Student loan repayment
Expert tips, guides, and news about UK student loans
Five plans, five thresholds, and a set of interest rates that do not agree with each other. Every 2026/27 figure in one place, what each plan costs a month at five salaries, and the Plan 2 threshold freeze arriving in April 2027.
Read moreThe SLC holds money belonging to people who do not know it is there, and almost none of it comes back automatically. Five situations where a refund is due, the bonus month that looks like an overpayment but is not, and how to claim for free.
Read moreThe loan follows you and the threshold changes with the country. What you must report, how overseas thresholds are set, and the fixed monthly charge of several hundred pounds that applies if you never send income evidence.
Read moreA separate loan on a separate plan: £21,000 threshold, 6% rate, 6% interest and a 30-year clock. What you can borrow, how it stacks with an undergraduate loan, and the 57p marginal rate it can create.
Read moreStarted uni from August 2023? You're on Plan 5. Lower threshold, lower interest, but a 40-year repayment period. Here's what that actually means for your money, and how it compares to Plan 2.
Read moreShould you overpay your student loan? For most graduates, the answer is probably not, but the maths depends on your specific situation. Here's how to work out whether early repayment saves you money or wastes it.
Read moreYour student loan doesn't touch your credit score, but it can knock £10,000-£35,000 off your mortgage borrowing. Here's what lenders actually look at and how to give yourself the best shot.
Read more