You know when you bump into your crush in public and you haven't showered or changed out of sweatpants in days? We know that feeling. Repaying your debt can be just like that.

Luckily, knowing the facts can help alleviate some of the awkwardness. The average repayment period for private ISAs is about ten years. During that time, you'll be expected to fork over about 3% of your income (source). Or, you can opt to bite the bullet and shell out 6% over a five-year period (source).

That's a significant chunk of your income, no doubt. But the average person takes twenty years to repay student loans, so you should at least consider all of your options (source). After all, who wants to be repaying loans until they're a hundred years old? Not us.