When my deferment period ended and my student loan payments started, I was stressed out about how I was going to be able to manage all of my household finances. Since I am a single mother who was newly divorced in 2014, continuing my education felt like my only equitable option to provide a better future for my daughter and myself. But with the help of the SALT team, they helped me to understand the differences between the repayment options and a huge burden was lifted off my shoulders. Although I still have student loans to repay, but while my income is still low I have time to gain work experience and as my income grows then my repayments are based on that fact. This is such a blessing to me. Thank you SALT team for your patience to answer my repayment questions and giving helpful advice in order to understand my future options.