I was a student in the UK in 2017 and while there had a credit card and a loan that I did not repay. I left the UK when my Visa expired and came back to my home country. I now want to return to the UK again as a student, but am worried my Visa will not be accepted due to leaving the unpaid accounts.
Leaving unpaid accounts in the UK in itself is not a reason why a Visa may be denied here in the UK. If you overstayed your previous Visa, that could be an issue.
Have you had any communication with the companies you owe, and if so, what was the outcome of that?
Can you afford to repay the accounts? How much do you owe?
Get back to me and we can look closer at this.