Student Loans · 2025/26
Student Loan Repayment Calculator
Calculate your monthly student loan repayments based on your salary and loan plan for 2025/26.
Your Details
£
£
Monthly Repayment
£0
deducted from your pay
Annual repayment£0
Repayment threshold£0
Income above threshold£0
Repayment rate9%
Estimated years to repay0
Written off after30 years
Student Loan Repayment Thresholds 2025/26
| Plan | Threshold | Rate | Written Off |
|---|---|---|---|
| Plan 1 | £24,990 | 9% | 25 years after April following graduation |
| Plan 2 | £27,295 | 9% | 30 years after April following graduation |
| Plan 4 | £31,395 | 9% | 30 years (Scotland) |
| Plan 5 | £25,000 | 9% | 40 years |
| Postgraduate | £21,000 | 6% | 30 years |
How Student Loan Repayments Work
You only repay when you earn above the threshold. Repayments are 9% of income above the threshold (6% for postgraduate loans). If you earn under the threshold, you pay nothing. Repayments are deducted from your pay like tax.
For example, on Plan 2 with a £35,000 salary: you earn £7,705 above the £27,295 threshold, so you repay 9% × £7,705 = £693 per year (£58/month).
Will My Student Loan Be Written Off?
Yes. Outstanding balances are written off after the write-off period. Most Plan 2 graduates will never fully repay — it works more like a graduate tax than a traditional loan. Use our salary calculator to see your full take home pay including student loan deductions.