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Unlike PAYE, which was available for loans taken out after 2007, Re PAYE is open to all Direct Loan Borrowers, regardless of when the loan was taken out.

The repayment plan still caps your payment at 10% of your discretionary income, and the loan will be forgiven after 20 years.

Later on in the evening, Kate asked Tom if he had ever rung the service.

Kate met Tom again, at bowling, the following week and thanked him so much for his advice.

She loved the fact that she could talk to as many guys as she wanted to, without making commitments to any of them.

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