UK Student Loan Repayment Calculator
Calculate your annual student loan repayments for 2025/26 or 2024/25. Supports all UK plans: Plan 1, 2, 4, 5, and Postgraduate Loan. Select all plans that apply to you — each is calculated independently.
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Frequently Asked Questions
What are the different student loan plans in the UK?
There are five main student loan plans in the UK. Plan 1 is for students who started before September 2012 in England/Wales or any time in Northern Ireland. Plan 2 is for English/Welsh students who started between 2012 and 2023. Plan 4 is for Scottish students. Plan 5 is for English/Welsh students starting from 2023. Postgraduate Loan covers master's and doctoral loans. You may have multiple plans if you studied at different levels.
How are student loan repayments calculated?
Repayments are calculated as a percentage of your income above a threshold, not on the total loan balance. Plans 1, 2, 4, and 5 charge 9% on income above the relevant threshold. The Postgraduate Loan charges 6% above its threshold. If your income is below the threshold, you make no repayments regardless of the loan balance.
What are the repayment thresholds for 2025/26?
For 2025/26: Plan 1 threshold is £26,065; Plan 2 threshold is £28,470; Plan 4 (Scotland) threshold is £32,745; Plan 5 threshold is £25,000; Postgraduate Loan threshold is £21,000. Only income above these figures is subject to repayment. If you have multiple plans, each has its own threshold and is calculated independently.