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[Marks DTM Calib]

my problem is that we deal in debt probs etc, so our view is gap year to earn n save, save, save, thus reducing the need to loan, also gives her a break from 13 year of schooling/college.

If only it was that easy.

My recommendation would be to take a gap year ONLY if it results in a placement which is relevant to the course, otherwise get the coruse finished!

And the Uni will charge a reduced fee for the year out.

Thing is that studying at Uni is so totaly different to schooling, its all about self motivation and discipline!

The other thing with student loans is to pay them off as soon as you can.......it seems very easy to sit paying the minimal amount once you start earning over 15K per annum.