Been abroad for around 10 years and found out that ive racked up £12k in Arrears from SLC. Need help and advice please.

L'auteur a accumulé 12 000 £ d'arriérés de prêt étudiant en 10 ans et cherche de l'aide pour gérer cette situation. Il est inquiet de ne pas pouvoir payer les mensualités élevées.

Been abroad for 10 years. Graduated in 2013. Lived in the UK for a couple years earning below the threshold so didnt need to pay anything back. Moved abroad in 2015 and didnt get any information from the SLC, with so many personal things taking over my life, health related things and covid, i kinda just forgot about the student loans until a letter arrived at my parents address saying ive amassed an arrears of £12k and have been put on a payment threshold that way too high than i can affort. What can i do ? im shitting bricks and defo cant afford to pay off the arrears and the monthly payments would destroy me.