refusal to take out student loan due to religious objections

I’m sure this must have come up before but can’t find any case law which mentions it (so far, only very brief search done).

If a client is not intending to take out a loan for religious reasons, & is treated as taking out the maximum, thus losing most if not all MTBs, would they have any arguments against that provision under EqA 2010 or HRA 98?

Or is there an exception or a probable justification?

This rule has been around for so long that I can’t believe this hasn’t been considered somewhere….