That makes sense, although I'm always hesitant at people's complete omission of any possibility the government won't suddenly change the rules again to force everyone with a loan to pay more, given that's what the whole system seemed set up to do from the start. I mean, I hope they don't, and it seems likely the same logic of that article would apply in either case, but I expected them to say, "even if the government removed that cap, if there's a 9% repayment rate for life, it's better to pay for life that try to pay the loan off now" not "well, here's the current situation". I've read other articles talking about "oh my why on EARTH might people not want to take loans out when the repayment terms are so clearly specified and generous (but can be changed at any time)" and ground my teeth.