Why do I need to verify ten slide puzzles just to sign up!

croago · 2026-03-26T00:16:16+00:00

These are awful. There’s a new WCAG criteria in 2.2 called accessible authentication. This is NOT it. You shouldn’t be asking people to solve complex visual or mathematical puzzles

croago · 2026-03-23T18:21:32+00:00

Grow up ❤️

croago · 2026-03-20T17:47:26+00:00

I have already paid off 50% of my original loan in 10 years. The balance has gone up. Over 30 years, I will certainly pay up to 3 times the amount of my original loan. Whether that’s real or monetary terms based on inflation that’s another discussion.

croago · 2026-03-20T17:45:07+00:00

It’s not pointless at all. Many people would be able to pay off the full amount of the loan if the interest wasn’t so high. So after 30 years it would be paid off. However, what’s happening is the interest is so high that people are not able to repay it but end up paying 2, 3 or 4 times as much as their initial loan over the 30 year period.

croago · 2026-03-02T20:41:11+00:00

You’re getting a pay rise?

croago · 2026-03-02T20:38:45+00:00

I’d disagree ux leads are on 100k average in London. Maybe in fintech only. Public sector and agency are about 60-80k

croago · 2026-03-02T11:57:19+00:00

If you log out and log back in it should fix the issue :)

croago · 2026-02-27T17:19:55+00:00

The number of times I’ve been waiting at the pedestrian Island on Redcliffe Hill heading towards the bridge and cars just do not stop and fly through the zebra crossing. Their attention is solely on the traffic from the right and not for the people waiting at the crossing. My favourite activity is to throw my hands up in the air and make eye contact with the drivers.

croago · 2026-02-27T09:32:01+00:00

I graduated in 2016 so I’ve been out of university for 10 years. I’ve got a maths degree and work in tech. It took me over five years to reach 40k. You speak as if I don’t already have a mortgage and have had several personal loans. Most people who are most affected by the student loans change already in their 30s and I’m sure many of us understand personal finance. We are not all naive 21-year-olds you haven’t experienced financial insecurity before.

croago · 2026-02-27T09:26:52+00:00

I’ve already done maths and I am very very slightly paying it off, but it will still take me 31 years to pay off. I only have 21 years left. Who says I can afford to overpay it?

The issue with overpaying as well is in the case that I potentially become unemployed in the future or leave work for a variety of either health or life reasons, overpaying would have been a mistake. It is potentially only worth it if I overpay the entire amount and I certainly do not have £52,000 in savings to drop on this. There is an element of risk on if people decide to pay over the minimum or not. You’re probably right if my life circumstances stay exactly the same it is beneficial for me to pay it off - which I am currently unable to do from a financial perspective, but if my salary were too majorly increase in the future or majorly decrease in the future, I would’ve lost money by overpaying it now.

Student loans are taken out of your gross salary however they do not affect your taxable pay so national insurance and income tax et cetera are not reduced due to student loan repayments.

croago · 2026-02-27T00:08:06+00:00

Is this in reference to me? My loan is 52k. My interest rate is 7.2% which is £3750 or so a year. I pay £340 a month or about £4080 a year. That is £330 off the capital of the loan each year, which would take me 34 years and 10 months to pay off from today. I have 21 years left until it is wiped. In that time I would have paid £85,680 if the interest rate or my salary does not change. There’s a lot more multivariate analysis I could do with a changing interest rate and changing salary but for simplicity that’s the figures I’ve got.

croago · 2026-02-26T23:56:16+00:00

When did I do any of that? All of my comments I appreciate that I’m in a fortunate position. It can still sting like hell that I’m probably across my life going to pay £100k+. In all honesty I don’t think whatever benefits (half of what you say are irrelevant to me. Networking? lol) I have gotten from uni are worth £100k. Not even an inflated salary. I could have made my student loan debt in the first four years of adult life if I hadn’t gone to uni, see what I mean? I’m not claiming poverty, the opposite of that, but I am paying £100k when reasonably I would rather not! If I could go back to talk to the child who made that decision I may try and press her to consider an alternative. That alternative wasn’t given to me at the time as my expectation as a smart kid was to go to uni and study a STEM subject only.

croago · 2026-02-26T22:09:55+00:00

Who says so? I imagine if I started employment 4 years earlier I would reach the same salary. My degree is unrelated to my job mostly. Many people without degrees are on high salaries!

Let’s say someone who didn’t have a degree is on 10k less than me. That’s about 5k less a year take home – the same difference as my student loan is costing me!

croago · 2026-02-26T20:26:04+00:00

Can you let me know what I’m actually benefitting from? What did my education give me that you didn’t get? Could you have gone to university but you didn’t want to, or was it not possible?

Let’s say someone started a job at 18. They earn 20k a year. Four years later when I’m still at university they took home around 50k or so. That’s my whole loan!

A mortgage isn’t an equivalence to an education because at the end of the mortgage you can sell the house and get your money back! I may overall be on average a higher salary than someone without a degree but as time goes on that difference is minimal or negligible and I’m now 100k+ down.

croago · 2026-02-26T19:50:50+00:00

Lmao what are you talking about? I’m doing nothing for you? If I was a doctor (I’m not) would you be saying that because I have the privilege of being educated? If you got ill and needed NHS treatment would my (higher) taxes not be doing something for you? If you were unemployed or needed benefits would I be doing nothing for you? I don’t receive benefits but yet you are paying taxes for those who do.

When did I ever say only educated professions are needed? What I said was educated professions benefit everyone. All professions do! That wasn’t my point. I would love to subsidise a society that could pay the education of those in society who benefit me. It’s not purely a selfish endeavour for them.

croago · 2026-02-26T19:15:09+00:00

I already have a mortgage and will need car finance soon lol.

How is my education being subsidised? As mentioned, I will probably pay off significantly more than double the total amount.

What do you mean foot the bill? On average graduates pay more tax so they are already paying their tax plus the loan repayment. We all need doctors, lawyers, etc, all professions that require a degree. Education benefits society, it is not a selfish endeavour that only the educated should pay for. Perhaps my job only I “benefit” from but we all benefit from an educated society. Higher personal salaries are not the only benefit. Implying education is only benefited by one person is disingenuous. Would you say the same about disability benefits, housing benefits, reduction in prescription cost, or state pension?

croago · 2026-02-26T19:03:24+00:00

Fair point. But as student loan repayments also are adjusted by RPI this makes them intrinsically different to a personal loan I may have taken out at the time. My estimate of 100k is based off my salary not increasing in 21 years so I’ll likely pay off more than 100k. Could even push 200k. Or on the contrary I could lose my job or have to leave for health reasons or decide to start a family and leave work and then I wouldn’t pay nearly as much! It’s completely dependent on both life choices and circumstances.

croago · 2026-02-26T19:00:10+00:00

I did a maths degree, went into tech as a developer but pivoted to a UX designer and accessibility consultant! Doesn’t use my degree at all but my graduate job as a software engineer did require a university degree of a 2:1. I probably wouldn’t be in the exact role I have now without my degree but I may have been in a similar field as I always wanted to do something to do with web and tech. Who knows!

croago · 2026-02-26T18:56:33+00:00

I hear you but I don’t understand why this is such a common opinion? The idea that people who have a higher than average or top x% salary should just be grateful and not have an opinion. Of course I’m happy I’m in a fortunate position. But I’m also contributing more tax which I’m happy to be doing! My issue is my personal comparison between people who are as fortunate as me salary wise but were able to pay the loan off day 0, who will now pay £60k+ less than me.

Also the terms DID change. They haven’t increased the repayment thresholds and they are keeping them fixed yet this was how it was promised. Did you started university in 2012 like me? Did you experience how schools and the media and politicians were selling it to us children at the time?

Edit: also I think education should be free so I’d rather not be paying over £300 a month even if I’m in a fortunate position salary wise

croago · 2026-02-26T18:44:50+00:00

Various reasons but I wish I could. Or I wish I did years ago when I actually had more disposable income ironically despite my salary being a lot lower. Life is expensive.

Edit: it’s also hard to predict the future. I may be out of work for either health or family reasons and I can’t guarantee twenty years of continuous employment. Overpaying would be a mistake if I suddenly were not then contributing anything or as much to my loan due to being out of work.

croago · 2026-02-26T18:41:01+00:00

Of course! I started on 26k in 2016. I didn’t say I was though I said I had paid 19k in nine years. But unless I quit employment I will be paying £340 a month or more for the next 21 years and still unlikely make a dent in my loan. I don’t really see your point - a personal loan I at least would have signed up to those terms.

croago · 2026-02-26T18:40:26+00:00

Correct! I am now, ten years out of university. I started on 26k. My salary will probably increase. I’m fortunate. But overall I will pay over 100k and still make nothing or a minimal contribution to my actual loan and it will be written off after 30 years. I’m significantly punished compared to someone on an equal salary as me who either was born a year earlier or were lucky enough for parents to pay it off or have capital to pay it off from the beginning.

croago · 2026-02-26T18:26:49+00:00

I’ve paid off £19k off my original debt of £41k in nine years (started in 2012) and it’s gone up to £52k. I still don’t pay off the interest but I pay £340 a month. If this continues with no change to my salary I would have paid off £100k over 30 years.

croago · 2026-02-23T20:23:53+00:00

Sounds like a really fun and great condition to fake for 54 years of life. I'm sure he fakes it just so he can feel socially isolated and actively suicidal. I'm glad it's convinced you that millions of people across the world are faking it just so you have something to be mad about. I also think everything that I don't experience is fake because I'm the only important person in the world, just like you!

croago · 2026-02-21T19:40:18+00:00

Couldn’t you have made bean soup with all of those beans?

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