Question 1

Which student loan plan am I on?

Accepted Answer

Plan 1: started a course in England or Wales before September 2012, or in Northern Ireland. Plan 2: England or Wales from September 2012 to July 2023. Plan 4: Scotland. Plan 5: England from August 2023. Postgraduate loan: a master's or doctoral loan in England or Wales. Your plan is on your payslip or in your Student Loans Company account.

Question 2

How much do I repay in 2026/27?

Accepted Answer

9% of what you earn above your plan's threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. Postgraduate loans are 6% above £21,000, on top of any other plan.

Question 3

Does the amount I owe change my repayments?

Accepted Answer

No. Repayments depend only on your earnings. The balance only affects how long you repay for. Any balance left is written off after 25, 30 or 40 years depending on the plan.

Question 4

Are repayments taken before or after tax?

Accepted Answer

They are worked out on your gross pay (after any salary sacrifice) and taken from your pay after tax. They do not reduce the income tax you pay. Rates last checked against gov.uk on 11 October 2026.

Salary	Plan 1	Plan 2	Plan 4	Plan 5
£25,000	£0.00	£0.00	£0.00	£0.00
£30,000	£23.25	£4.61	£0.00	£37.50
£35,000	£60.75	£42.11	£9.04	£75.00
£40,000	£98.25	£79.61	£46.54	£112.50
£50,000	£173.25	£154.61	£121.54	£187.50
£60,000	£248.25	£229.61	£196.54	£262.50

Student loan repayment calculator

Monthly repayments by plan in 2026/27

Your result