I have to apologise to SFE.
i got it wrong.
I thought you started to pay back the SFE loan, 4 years after graduation.... i was wrong.
You start to pay back 4 years after you first take the loan.
So my starting to pay SFE back had nothing to do with claiming my diploma, that was just coincidence that a diploma arrives after 4 years, which is also 4 years after taking the first loan payment.
So my repayments starting had nothing to do with claiming the diploma, they would have started regardless.
So there you are, live and learn. Part time students will always start repaying their loans, before they finish their degree's.