So, like, I'm living in Japan now and have no plans on going back to England ... EVER (seriously). Don't ask why, cuz it's a long ass story and real personal issues. Anyway, my mum recently forwarded on a letter from the British student loans company saying I still owe them a lot of money and they are asking for my details in Japan. I don't want to pay the loan by monthly repayments from Japan, because the transaction fees alone will increase the amount I would be sending ... coupled with the interest added on the loan ... I would be repaying much more than I borrowed in the first place. Seriously, f**k that! The British system of student loans works like this, when you graduate university, if you don't earn over 15,000 GBP a year, you don't pay anything back. But, as soon as you start earning over 15,000 GBP, you start paying back a small % of your income. When I was living in England, I was either unemployed or earning measley 18,000 GBP a year ... so basically, I haven't been able to even make a dent in this loan. I have since emigrated to Japan and don't want to go back nor pay the loan back. I read on the website, the loan gets written off completely when I turn 65. However, I do feel responsible for this loan and would like to negotiate like a one off payment to have the loan written off at a discount. Has anyone ever tried this??? I did it with a credit card debt one time, but don't know if I can do it with a student loan. If not, I might just say f**k 'em and wait till I'm 65 years old. Basically, I got two questions. 1. Are the British student loans company open to negotiating deals with one-off payments at a discount?? 2. What happens if I just don't tell them where I am and don't pay them back, they are not going to go hunting my family??? Are they?? I ask cuz I know the American system are ruthless and don't stop till they get every last cent that you owe them. But, the British system is a little bit more flexible and understanding. Thanks in advance.