Advice Manager Jane from Citizens Advice Havant got the chance to have a quick chat with Moneysavingexpert Martin Lewis at the Citizens Advice conference at Warwick University on September 20th. As it's time for a new batch of students to start uni, Martin was keen to encourage them to think of student loans as a Graduate Contribution rather than a debt. Student loans seem like a huge millstone round young people's necks, whereas more than likely they'll never end up repaying them. Far better to look at them as a kind of tax that only gets paid when they earn enough. Then they can concentrate on saving for important things like a house, rather than worrying about the amount of student loan outstanding. Some parents even consider repaying the debt when they'd be better off using spare cash for helping wth a house deposit instead.