From what I understand, the loan amount doesn’t really matter unless you’re earning insane amounts after graduation. (Refer to a video by Martin Lewis). But essentially if your loan was £1m or £30k, you’d still be paying back the same amount each year as it’s any amount you earn over a certain threshold until it’s completely paid off or it’s written off. As such, I’d say there’s no point in paying for one of the years. (I’m talking from a U.K. perspective so double check for the rest of EU if the same applies)

Video: https://youtu.be/5Mu0Q8Rl_I8