No, clearly the repayment system is not working. You see, it keeps trying to collect after a zero balance. That'd mess with anyone's head, risk making them unwell, because it is literally an act of sociopathic gaslighting perpetuated by government authority. I don't care how distasteful of a minority this malicious weapon is pointed at because it is a manifestly noxious and wicked way to treat any citizen and it is a spiritual affront in any civilized liberal democracy.