Student Loan Repayment Calculator
See your monthly repayments and how long it will take to pay off your student loan. Covers Plan 1, 2, 4, 5 and Postgraduate loans.
£
£
Repayment thresholds 2025/26
Plan 1£24,990
Plan 2£27,295
Plan 4£31,395
Plan 5£25,000
Postgraduate£21,000
You repay 9% of income above the threshold (6% for postgrad).
Monthly repayment
£58
Yearly repayment
£693
Time to repay
30+ yrs
Repayment summary
Salary£35,000
Repayment threshold£27,295
Income above threshold£7,705
Repayment rate9%
Annual repayment£693
Total repaid over time£20,790
⚠ At this salary, you likely won't repay the full balance before the loan is written off (30 years for most plans).