Hello I took out 4 student loans between 1997 and 2000. They have since been sold to Erudio to manage.  I have never paid anything back, deferred every year due to working part time, earning under the threshold.  My current deferment is due to end in a few days.   I have, since Feb 2020 been doing additional hours to cover maternity leave. I have a letter from my employer stating that these additional hours cease at the end of Nov 2020.   So between June 2020 and Nov I w