I'm one of those luck individulas who gets my pay through an umbrella company. I've been so so lucky to get a 5 and a half week sick cover and have just got my pay slip through. Out of the £375 I earnt at £75 a day for one week, £16.88 went to cover the umbrella costs (yet I still get wet when on duty in the rain??!!) £26.94 went to pay for my employers NI contribution (can they not afford it themselves? not to mention it is more than my own!!) £23.06 went out for my own NI conrtibution (this is fine!) £3 went to pay for my student loan!! So I get the grand sum of £305.12 Now, I was under the impression that my student loan is only repayable when I earn over £15,000 a year. It may seem that way from a glance, but my job is only for a few weeks ( Overall I'm very disappointed and feel cheated out of money that I worked damn hard for and I need every penny of it. I know that I'm so lucky compared to some others here, but I still need every p enny of the money i've worked hard for.