Why Your Student Loan Goes UP Even When You're Paying - Ollie Gardner Rethink Repayment
Thu Feb 05 2026
In this episode of the Money Gains Podcast we welcome Ollie Gardner to the show.
Ollie's campaign Rethink Repayment, is fighting for student loan reform in the UK. We discussed why your student loan goes up even when you're paying, the truth behind the £270 billion debt crisis, and whether an entire generation was mis-sold the biggest financial decision of their lives.
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✅ Why your student loan balance grows every year even if you're making payments
✅ How the government expects 73% of graduates to never pay off their loans anyway
✅ Why you need to earn £66,000 just to stop your debt from growing
✅ The contract the government made in 2012 and then quietly broke
✅ Why calling it a "loan" is the biggest lie in British education
✅ How 112,000 graduates have left the UK to escape student debt
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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.
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In this episode of the Money Gains Podcast we welcome Ollie Gardner to the show. Ollie's campaign Rethink Repayment, is fighting for student loan reform in the UK. We discussed why your student loan goes up even when you're paying, the truth behind the £270 billion debt crisis, and whether an entire generation was mis-sold the biggest financial decision of their lives. --------- 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) --------- Gains App launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- ✅ Why your student loan balance grows every year even if you're making payments ✅ How the government expects 73% of graduates to never pay off their loans anyway ✅ Why you need to earn £66,000 just to stop your debt from growing ✅ The contract the government made in 2012 and then quietly broke ✅ Why calling it a "loan" is the biggest lie in British education ✅ How 112,000 graduates have left the UK to escape student debt --------- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist