I've nearly repaid my student loan, at last the end is in sight, I've decided to stop the deferment, mostly so I don't have to fill out the blasted form again, since there's only a little left to repay.

Sometimes getting benefits is mixed blessing, I didn't realise at the time but many benefits fluctuate over time. My initial Housing Benefit, covered almost all my rent, but it seems that my attempts to update the rent office about the variations got misplaced and so I had been underpaying rent for a while. Thankfully I was able to pay off the difference clear the mess up quickly, although I've requested that the Housing Benefit will get paid into my account, rather than the rent office, and just pay full rent.