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2025/26 Tax Year

Student Loan Repayments

Understanding student loan repayment thresholds and rates in the UK. Find out when you start repaying and how much you'll pay.

Student Loan Plans 2025/26

Plan 1

Started before September 2012 (England/Wales) or any time in Northern Ireland

9%
of income above threshold
Repayment Threshold£26,065/year
Monthly Threshold£2,172.08/month

Plan 2

Started after September 2012 (England/Wales)

9%
of income above threshold
Repayment Threshold£28,470/year
Monthly Threshold£2,372.50/month

Plan 4

Scottish students who started after September 1998

9%
of income above threshold
Repayment Threshold£32,745/year
Monthly Threshold£2,728.75/month

Plan 5

Started after August 2023 (England)

9%
of income above threshold
Repayment Threshold£25,000/year
Monthly Threshold£2,083.33/month

Postgraduate Loan

Postgraduate Master's or Doctoral loan (Plan 3)

6%
of income above threshold
Repayment Threshold£21,000/year
Monthly Threshold£1,750.00/month

Example Repayments (Plan 2)

SalaryAnnual RepaymentMonthly Repayment
£25,000£0.00£0.00
£30,000£137.70£11.48
£35,000£587.70£48.97
£40,000£1,037.70£86.48
£50,000£1,937.70£161.48
£60,000£2,837.70£236.48

Plan 2 threshold for 2025/26 is £28,470. You pay 9% of income above this threshold.

How Student Loan Repayments Work

When Do I Start Repaying?

You start repaying your student loan when your income goes above the threshold for your plan. Repayments are automatically deducted from your salary by your employer through PAYE.

How Much Will I Pay?

You pay a percentage of your income above the threshold - typically 9% for undergraduate loans and 6% for postgraduate loans. For example, on Plan 2 with a £35,000 salary, you pay 9% of (£35,000 - £28,470) = £587.70 per year.

Multiple Loans

If you have both an undergraduate and postgraduate loan, you'll repay both once your income is above both thresholds. The total maximum repayment is 15% (9% + 6%) of income above the respective thresholds.

Loan Write-Off

Outstanding student loans are written off after a certain period: Plan 1 at age 65, Plan 2 after 30 years, Plan 4 at age 65 (or 30 years for those starting after 2007), and Plan 5 after 40 years.

Calculate With Student Loan