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Student Loan Repayment Calculator 2025-26
See how much you repay each month based on your income and loan plan.
📖 How do student loan repayments work?
Student loan repayments are deducted automatically from your salary — but only when your income exceeds the repayment threshold for your plan. You pay a fixed percentage on earnings above the threshold, not a fixed monthly amount. The loan is written off after 25–40 years depending on your plan.
Plan 1: 9% above £24,990 · Plan 2: 9% above £27,295 · Plan 4 (Scotland): 9% above £31,395 · Postgrad: 6% above £21,000 · Does not affect your credit score
£
Annual Repayment
£588
Monthly
£49
Weekly
£11
2025-26 Repayment Thresholds (gov.uk)
| Plan | Threshold | Rate |
|---|---|---|
| Plan 1 | £26,065 | 9% |
| Plan 2 | £28,470 | 9% |
| Plan 4 (Scotland) | £32,745 | 9% |
| Postgraduate | £21,000 | 6% |
Thresholds from gov.uk for 2025-26. Repayments are 9% (or 6% postgrad) of income above the threshold.