Although I later found out I was even safer, I thought when my latest Student Loans letter arrived, I’d just escaped having to start paying it back by virtue of earning too much. I got them under pre-Tony Blair circumstances (along with grants, which students starting from 1998 onwards didn’t get at all), and the deal is that I can defer for a year, every year, if my monthly gross earnings are below X amount and I can prove it.
Because I’m a human being from the planet Earth, I’d be very happy to put off repaying them indefinitely — so I was taking a big risk by accepting a further pay rise at work (a reappraisal of the pay scales, just after I was put on a different scale), as this would be over £28k, and I calculated I’d, at best, be very close to the monthly limit, which I knew would be on the order of £2,400 per calendar month.
(But, as you know, I like to live dangerously…)
Imagine my astonishment when my mother e-mailed me a scan of the latest Student Loans deferment application letter, on the very same day that my April payslip became available… the letter said my limit was £2,402, and my payslip said that, including the monthly payment I get towards my gym membership (which admittedly may not actually count), my salary for April was… £2,400.75. Yes, it seemed I was earning a whole £1.25 below the monthly limit, and could thus defer for another year, instead of my pay rise being wiped out by payments I don’t actually want to make if I can avoid them!
It wasn’t so simple, however. The bad news is, she’d accidentally sent me last year’s letter (and with one page missing — the one I’d need to sign!), so I had to print out and complete the form all over again anyway; but the good news is, this year’s real letter put the monthly limit even higher, at £2,427 — so maybe I’ll still be below next April, when I go up a spinal column point…?
Sadly, I think my good luck ran out as April ended and May began, as travelling to a climbing centre in Mile End at the weekend to meet my newest Japanese friend was a debacle (thanks to getting lost, having misunderstood where we were actually meeting), and today, thanks to a ticket machine at Finchley Central delaying me, I missed my usual train down from Mill Hill East and had to STAND the entire way to work, and therefore not be able to watch a Gundam episode… before beginning a very difficult day at work, with what felt like too much to do after returning from the Bank Holiday weekend. Of course, I’ve had far, far worse days in the past, but it feels like I’ve used up all my good fortune, and this is just the start…
Consider this: I’ve been trying to arrange tickets to Michigan for late June / early July, so I can support my old roommate’s brother taking part in a bodybuilding show, and also be over for Independence Day (for the first time in my life), but that sure coulda’ went better: if I’d bought them a month ago, I’d have saved a couple of hundred quid — but instead I went and waited until now, and when I finally got tickets (thanks to Delta, no thanks to Virgin), I’ve had to settle for trips that will leave me waiting 4 or 5 hours in Atlanta each way!
(Though I’m more worried that 4 hours won’t be enough time, if they decide to question me at length upon my arrival — or does that only happen to people from “Muslamic” countries, not of course including Saudi Arabia?)
And now I’m worried that I’ll have an unpleasant run-in with my former-drummer housemate in the near future, as my luck in avoiding him completely (or only encountering him briefly, or when someone else is around) can’t last indefinitely. Despite his recent behaviour, I find myself wishing I could bury the hatchet (in a non-cranial location) at some point, and just put the bickering behind us: not so much because I want to be friends again as to make sure he doesn’t evict me while I’m in Michigan. However, it’s really up to him to be more amiable and less jeering when he encounters me, and I suspect it’s largely down to his alcohol intake (and other substances?) when he’s at home, after driving trucks across the country.
I expect the next time he has a go, I’ll finally be inspired to write the lengthy post about school/work bullies and difficult housemates I’ve faced down over the years, that I’ve been planning in earnest since he first had a go at me in 2017… but let’s not dwell on that, let’s focus on the good things — when he moves out in August or September, I fully intend to upgrade my PC of Theseus with a (fairly) modern Skylake CPU, motherboard and DDR4 memory (and probably a new casing) for my (ahem)th birthday in October, thus doing away with the last vestiges of my 2011 computer purchases.
That is, if there’s still a world by October… it won’t do me much good to get such a good salary, with no Student Loan repayments coming out of it, if the Brexiting economy crashes around me… or the US government (perhaps just to shut Trump up) starts World War III, and we’re at ground zero!