UK Student Loan Repayment Calculator 2025/26
Calculate the monthly repayment of your UK student loan for all plans: Plan 1, 2, 4, 5 and Postgraduate. Updated 2025/26 thresholds.
Repayment Data
Started higher education on or after 1 September 2012 and before 1 August 2023 in England/Wales.
Estimated Repayment
Come utilizzare UK Student Loan Repayment Calculator 2025/26
Seleziona il tuo piano student loan
Plan 1 (pre-2012), Plan 2 (2012-2023 England/Wales), Plan 4 (Scotland), Plan 5 (post-2023), Postgrad (Master/PhD).
Inserisci il salario annuale
Il rimborso parte solo se il salario supera la soglia del tuo piano. Sotto soglia non paghi nulla.
Inserisci il saldo debitorio
Opzionale: inserisci il saldo residuo per calcolare gli anni stimati al rimborso completo.
Analizza i rimborsi
Visualizza rimborso annuale, mensile, settimanale e anni stimati al rimborso totale o cancellazione.
Suggerimenti
- Per la maggior parte dei laureati con Plan 2, e statisticamente conveniente non rimborsare volontariamente: il debito viene cancellato dopo 30 anni indipendentemente.
- Il Postgrad Loan (6%) si cumula con il Plan 2/5 (9%): si possono pagare entrambi contemporaneamente per un totale del 15%.
- Se lavori all'estero, devi comunque comunicare il tuo reddito allo SLC e fare rimborsi basati sulla soglia del paese di residenza.
Domande frequenti
How does student loan repayment work in the UK?
Repayments are automatically deducted from your payslip like taxes (PAYE). You only pay a percentage of income above the threshold: there is no fixed instalment. If you earn below the threshold, you pay nothing.
What is the difference between Plan 2 and Plan 5?
Plan 2 (2012-2023): threshold £27,295, written off after 30 years. Plan 5 (from 2023): lower threshold £25,000, but written off after 40 years. Plan 5 leads to higher repayments over time.
What happens if I don't repay the debt within the write-off period?
The outstanding balance is automatically written off after the deadline (25-40 years depending on the plan). The write-off may however be subject to taxation as income in your country of residence.
Does a student loan affect my mortgage?
A student loan does not affect your credit score, but it reduces your disposable income (like a tax). Banks take it into account when calculating how much you can borrow for a mortgage.
Can I repay my student loan early?
Yes, you can make additional voluntary payments directly to the Student Loans Company. It's only worth doing if you're almost certain you'll repay it in full before the write-off date.