[sokoloff]

I don’t view paying my own individual debt as a tax. I have a percentage of my pay deducted and diverted to my retirement account. That’s not a tax either, even though it’s percentage-based on my pre-tax amount and directly deducted.

[benzoate]

You can opt out of your pension contributions. You can’t opt-out of paying student loans, which is an available option with other debts.

Student loan deductions reduce a balance that doesn’t impact your credit score, can’t chase you for repayment (unless you do something stupid like move country and fail to inform them) and doesn’t impact lender decisions. Most people have no hope of repaying their ‘loan’ in their lifetimes and instead expect the loan to be written off after 25 years. U.K. student loans being debt is a technicality, it’s a tax with a countdown timer that might be shorter if you’re baller.