Priorities - savings or paying student loan

[jagman21]

wolves_wanderer said:

Most banks offer an ISA you can dip into whenever you like

It's not as simple as that, you can only pay in regardless of you dip out of it.

For example if you put in the 3000 and withdraw 1000 later, leaving 2000 balance, You can not top it up to 5100 with 3100 but only by 2100, because the limit is defined by the net inflows in one tax year, regardless of outflows.