I'm in a job earning over £15k a year and therefore should be paying back my loan. However, nothing has been said about it since I left uni. Is anyone else paying theirs back? Do you have to say 'I'm earning over the threshold, can i pay it back please?' I don't really want them to ask for a lump sum in a few years time if possible. Also, is the £15k a year thing before or after tax?