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I am a solicitor and reviewing your question now for you.
When you apply for your visa extension there is a question on any civil judgments or civil proceedings either in the UK or elsewhere so if it is just loans but no court judgments then you will be fine, their report would not have an impact on your prospect of securing the visa. If they know about this question they may sue you in court and get the judgment but they would have to time their notification to the UKVI with when you will be applying because the home office will not store that information. What you would have to worry about is the ukvi contacting your home country to check for any civil judgments and although a possibility it does not happen much, criminal convictions are more readily available between nations and not civil judgments.
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Good evening, You had asked me what you could say to student finance and my last message is the suggestion.