How much student loan do I repay each month?

Repayments are 9% of income above the repayment threshold. For Plan 2 the threshold is £27,295/year — so a £35,000 salary means 9% of £7,705 = £693/year (£58/month).

What are the student loan repayment thresholds for 2025-26?

Plan 1: £24,990; Plan 2: £27,295; Plan 4 (Scotland): £31,395; Plan 5: £25,000; Postgraduate: £21,000.

When is student loan written off?

Plan 1: 25 years after first repayment; Plan 2: 30 years; Plan 4: 30 years; Plan 5: 40 years. The outstanding balance is cancelled at the end of the term.

Student Loan Repayment After Tax 2025-26

See how student loan repayments reduce your take-home pay. Select your plan and salary for a full breakdown.

2025-26 Student Loan Plans

Plan	Who has it	Repayment threshold	Rate above threshold
Plan 1	Started before September 2012	£24,990/year	9%
Plan 2	Started September 2012 – July 2023	£27,295/year	9%
Plan 4 (Scotland)	Scottish students	£31,395/year	9%
Plan 5	Started from August 2023	£25,000/year	9%
Postgraduate	Postgraduate Loan	£21,000/year	6%

Quick Reference: Take-Home Pay by Plan

Monthly take-home pay at common salaries (including student loan deduction):

Salary	Plan 1	Plan 2	Plan 4 (Scotland)	Plan 5	Postgraduate
£25,000	£1,793	£1,793	£1,793	£1,793	£1,773
£27,000	£1,898	£1,913	£1,913	£1,898	£1,883
£30,000	£2,056	£2,073	£2,093	£2,056	£2,048
£35,000	£2,318	£2,336	£2,366	£2,318	£2,323
£40,000	£2,581	£2,598	£2,629	£2,581	£2,598
£45,000	£2,843	£2,861	£2,891	£2,843	£2,873
£50,000	£3,106	£3,123	£3,154	£3,106	£3,148
£60,000	£3,517	£3,535	£3,565	£3,517	£3,585
£75,000	£4,130	£4,147	£4,178	£4,130	£4,235

Plan 1 — Started before September 2012

Repayment threshold: £24,990/year · Rate: 9% above threshold

£18,000 £1,373/mo £19,000 £1,433/mo £20,000 £1,493/mo £21,000 £1,553/mo £22,000 £1,613/mo £23,000 £1,673/mo £24,000 £1,733/mo £25,000 £1,793/mo £26,000 £1,846/mo £27,000 £1,898/mo £28,000 £1,951/mo £29,000 £2,003/mo £30,000 £2,056/mo £32,000 £2,161/mo £35,000 £2,318/mo £37,000 £2,423/mo £38,000 £2,476/mo £40,000 £2,581/mo £42,000 £2,686/mo £45,000 £2,843/mo

Scotland Plan 1 → · Wales → · Northern Ireland →

Plan 2 — Started September 2012 – July 2023

Repayment threshold: £27,295/year · Rate: 9% above threshold

£18,000 £1,373/mo £19,000 £1,433/mo £20,000 £1,493/mo £21,000 £1,553/mo £22,000 £1,613/mo £23,000 £1,673/mo £24,000 £1,733/mo £25,000 £1,793/mo £26,000 £1,853/mo £27,000 £1,913/mo £28,000 £1,968/mo £29,000 £2,021/mo £30,000 £2,073/mo £32,000 £2,178/mo £35,000 £2,336/mo £37,000 £2,441/mo £38,000 £2,493/mo £40,000 £2,598/mo £42,000 £2,703/mo £45,000 £2,861/mo

Scotland Plan 2 → · Wales → · Northern Ireland →

Plan 4 (Scotland) — Scottish students

Repayment threshold: £31,395/year · Rate: 9% above threshold

£18,000 £1,373/mo £19,000 £1,433/mo £20,000 £1,493/mo £21,000 £1,553/mo £22,000 £1,613/mo £23,000 £1,673/mo £24,000 £1,733/mo £25,000 £1,793/mo £26,000 £1,853/mo £27,000 £1,913/mo £28,000 £1,973/mo £29,000 £2,033/mo £30,000 £2,093/mo £32,000 £2,209/mo £35,000 £2,366/mo £37,000 £2,471/mo £38,000 £2,524/mo £40,000 £2,629/mo £42,000 £2,734/mo £45,000 £2,891/mo

Scotland Plan 4 (Scotland) → · Wales → · Northern Ireland →

Plan 5 — Started from August 2023

Repayment threshold: £25,000/year · Rate: 9% above threshold

Scotland Plan 5 → · Wales → · Northern Ireland →

Postgraduate — Postgraduate Loan

Repayment threshold: £21,000/year · Rate: 6% above threshold

£18,000 £1,373/mo £19,000 £1,433/mo £20,000 £1,493/mo £21,000 £1,553/mo £22,000 £1,608/mo £23,000 £1,663/mo £24,000 £1,718/mo £25,000 £1,773/mo £26,000 £1,828/mo £27,000 £1,883/mo £28,000 £1,938/mo £29,000 £1,993/mo £30,000 £2,048/mo £32,000 £2,158/mo £35,000 £2,323/mo £37,000 £2,433/mo £38,000 £2,488/mo £40,000 £2,598/mo £42,000 £2,708/mo £45,000 £2,873/mo

Scotland Postgraduate → · Wales → · Northern Ireland →

How student loan repayments work

Student loan repayments are deducted through PAYE alongside Income Tax and NI. You repay 9% of earnings above your plan's threshold (or 6% for Postgraduate Loan). Repayments do NOT reduce your taxable income — you pay full Income Tax and NI on your gross salary, then repay the loan on top.

If you have a Plan 2 loan and earn £35,000, you repay 9% × (£35,000 – £27,295) = £693/year (£57.75/month). This comes out of your net pay. Your loan is written off after 30 years (Plan 2), 25 years (Plan 1/4), 40 years (Plan 5), or 30 years (Postgraduate). Use the student loan repayment simulator to model your full repayment journey.