My girlfriend has just paid a visit to her work financial advisor to ask about their pension scheme and was "Strongly advised" that while she had a 'large debt' (about 12k, student loan only) that she shouldn't pay into the pension scheme. She was also told that it may affect her credit rating...! Now that just doesn't seem to make any real sense and contridicts a lot of what I knew about student loans, i.e. pay them off as a last priority and as a debt to the taxpayer and not a commercial debt they do not affect credit ratings! He then said something about being young (23) that it's not urgent to start paying into it... I was advised by my Dad and his financial advisor to start my stakeholder pension at 18 even if it was just making Â£20 contributions / month. I then had the importance of paying in as soon as possible reinforced to the point that my Dad took over the payments whilst I was at Uni as I couldn't afford them on top of my normal living costs!! Any finance gurus able to shed any further light on his 'advice' as it just doesn't sit right!