Terms of repayment of an integration loan1 must specify:
(1) when repayments will commence2;
(2) the intervals at which repayments must be made3;
(3) the level of repayment4; and
(4) the methods by which repayment may be made5,
unless the recipient of the loan is in receipt of a specified benefit6 or universal credit7, in which case the terms of repayment must specify when recovery will commence8 and that recovery will be made by way of deductions9 from benefit or universal credit10.
The Secretary of State may revise the terms of repayment if the circumstances of the recipient change11. In determining
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