What actually leaves your payslip, at every salary, on every UK student loan plan. No sign-up, no email capture, and the arithmetic is shown rather than hidden.
| Plan | Threshold | Rate | Interest | Written off |
|---|---|---|---|---|
| Plan 1 | £26,900 | 9% | 4.1% | 25 yrs |
| Plan 2 | £29,385 | 9% | 6.0% | 30 yrs |
| Plan 4 | £33,795 | 9% | 4.1% | 30 yrs |
| Plan 5 | £25,000 | 9% | 4.1% | 40 yrs |
| Postgraduate Loan | £21,000 | 6% | 6.0% | 30 yrs |
Student loan deduction only. Income tax and National Insurance are separate.
Thresholds and repayment rates are the figures published by GOV.UK, cross-checked against Save the Student — both agree. Interest rates are from the Department for Education's rates announcement for the academic year starting 1 September 2026, when the Plan 2 and Postgraduate cap of 6% takes effect. Checked 18 August 2026.
If any figure here is wrong, it is a mistake rather than a marketing choice, and it gets corrected on this page with the date it changed.
Figures checked 18 August 2026 against GOV.UK and Save the Student. This is information, not financial advice, and your own payslip is the authority on what you actually pay.