11(1)  A borrower may repay all or any part of his student loan to the Secretary of State at any time.

11(2)  A borrower shall not be required to repay any of his student loan before 6th April 2000.

11(3)  A borrower shall not be required to repay such part of his student loan as relates to a particular notification of eligibility under the Education (Student Support) Regulations 2000 until the year of assessment beginning after the date on which that eligibility terminates under regulation 8 or 35 of those Regulations.

11(4)  A borrower–

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