Helen Lambert borrowed £57,000 to go to university and began repaying her student loan in 2021 after starting work as an NHS nurse.
Since then she has repaid more than £5,000, typically having about £145 a month taken from her pay packet. But everything she hands over is dwarfed by the £400-plus of interest that is added to her debt every month, thanks to rates that have been as high as 8%.
