I have so far worked in Singapore, Norway, and now in the UK. My knowledge about pension scheme in general is very limited. What I only know is that part of my gross salary goes to tax and part of it goes to pension, and so what goes into my bank account every month is less than my gross salary. So far I have understood that I can only have access to my pension once I retire; until then, there is almost nothing I can do about it, except that, e.g. in Singapore, it is possible to use the pension to pay for housing, and maybe a few other things, although I know very little about them. I know almost nothing about the pension scheme in Norway and the UK.
But it occurred to me recently that perhaps it would be good if there is a possibility for me to use my pension to pay existing loans. Maybe it is more relevant to ask about the UK system, since I am working in the UK now. Is it possible to use part of my pension to pay loans, or to opt out of the pension scheme altogether for a few years until my loans are paid? If this is possible, is this a common and wise approach to take?