Student debt. Two words guaranteed to strike terror into the heart of any young person. But are the headline-grabbing sums more project fear than practical warnings? This week in the It’s Your Money podcast, Laura and Sam ask student finance expert and breakfast show sofa legend Martin Lewis for his advice. We find out if a £50,000 student loan really will hamper you for life, how to avoid getting suckered by 'special' student bank accounts, and the one day of the month on which you can splurge and not regret it.   To get in touch, email moneypodcast@telegraph.co.uk or phone our voicemail number at 07523 039447.   And visit www.telegraph.co.uk/moneypodcast for more.