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@skinny I tried to do this and this MSE tool helps https://www.moneysavingexpert.com/students/student-finance-calculator
but there is so much uncertainty (not helped by current events) over the next 5-10 years and beyond on inflation and salary expectations that it really isn't possible to do accurately
bobble
Can you use excel? You can model the numbers there and determine the best approach based on expected earnings and inflation.
Anyway. You'll be paying 3% back annually. 9 less 6 inflation, on the initially 30. So that's 33 years and itll be cleared.
I'd pay it down quick. The interest isn't the best and wont be much lower.