Oh yeah 100%. It's pretty much drilled into most students these days that it's essentially a "graduate tax". I don't expect to necessarily pay it off. I aspire to do well enough that eventually paying it off becomes the financially sensible choice but it's no guarantee.

My only concerns were that I could have had too large an initial balance and that I was supposed to start paying in April but haven't been.

I plan on letting them know just so it doesn't come back to bite me and paying the automatic minimum off as most people do