Welcome!
On the subject of health care, once you have a visa, you will be able to use the NHS, which is pretty good for most health problems. Medication is £7.50 per item, I am on medication for my severe asthma and respiratory problems (thanks to London's air quality) and can always see a doctor, though obviously the quality of care varies from clinic to clinic. If you have an emergency and have to go to A and E, your medication is free.
With regards to student loans, deferring is always an option. It's not the best option, but it's what I do and others have done when jobs haven't been plentiful. Finding a job is difficult, and depending on what sector you go into, you will be at a disadvantage due to not having any previous work experience in the UK. Many of us have been there, and it is something you have to fight through. Don't panic, think of it as a new path that you're going down. Moving here has changed my life and despite the hardship and obstacles I've personally faced (this too, varies from person to person), I wouldn't have had it any other way.