Student Loan Repayment Calculator
Student Loan Repayment Calculator
UK student loans are not like other debts - you only repay a share of your income above a threshold, and anything left is written off after 25 to 40 years. See what you will actually repay and whether your loan is ever likely to be cleared.
Your details
Assumptions
2025/26 thresholds: Plan 1 £26,065 - Plan 2 £28,470 - Plan 4 £32,745 - Plan 5 £25,000 - Postgraduate £21,000. Plan 2 and Plan 5 interest is RPI plus up to 3% depending on income.
Tip: Repayments are collected automatically through PAYE and adjust with your income. If your income drops below the threshold, repayments simply pause until you are earning above it again.