Martin Lewis

Hello and welcome to our Question Time podcast where you get to ask me anything and everything, open brackets, within reason, closed brackets.

And joining me in charge of today's questions is, of course, podcast producer Simon.

Can she keep that up?

Well, she's an excellent cook.

What do they cook in Curacao?

Yeah, well, I know you're very, very sporty, so the World Cup... I mean, you do commentating, don't you?

Simon and I tell you in the background, we're offering messaging, especially about the cricket, right?

Because I don't have that many friends who are into the cricket.

So I'm often messaging Simon and saying, did you see that?

We had it because we were in pod last week against New Zealand when it was England-New Zealand.

So anyway, enough of all of that type of stuff.

I hope you've got a PPS for me at the end of the show.

This is probably your last one for a while, isn't it?

Because Matt's back next week.

What an interesting question.

What I need to state, and this is really important at the start, I am going to answer this question for Tom's very specific circumstance.

So he's on a Plan 1 loan.

Most of you listening will not be on a Plan 1 loan, which has a different interest rate to Plan 2 and has different repayment thresholds to Plan 5.

And most importantly, Tom, we know, is going to clear his loan, which changes the entire logic.

And not only is Tom going to clear his loan, but by the way he's written it, I'm assuming he's going to clear it within the next year or two so there isn't much left.