Tools · 2026/27 rules

What will you actually repay on your student loan?

Enter your plan, balance and salary. We run it year by year to the end: whether it clears or gets written off, the total you'd repay, and what an overpayment would change — including when the answer is nothing, or more.

Your plan

Not sure? It's on your payslip or your Student Loans Company account.

Balance now

First April due to repay

Usually the April after you left your course.

I have a Postgraduate Loan (Master's or Doctoral) too

Salary now (before tax)

Pay rise each year

One-off overpayment

Or extra each month

On today's rules

You'd repay in total

£0

Show the year-by-year working

Information, not advice. This shows what happens on today's rules: 2026/27 thresholds (£26,900 Plan 1, £29,385 Plan 2, £33,795 Plan 4, £25,000 Plan 5, £21,000 postgraduate) and the interest rates set from 1 September 2026. After that we assume RPI of 3% a year, the Plan 2 threshold frozen to 2029/30 as announced, and other thresholds rising with that RPI. It doesn't model career breaks, part-time work, time abroad or future rule changes, and the totals are cash pounds, not adjusted for inflation. Extra repayments can't be refunded. Check your balance and write-off date in your Student Loans Company account. Read the full student loans guide.