Student Loan Truthwhat actually leaves your payslip

Plan 4 repayments, salary by salary

Plan 4 takes 9% of everything you earn above £33,795 a year. Pick a salary for the full breakdown.

You studied in Scotland and your loan is with the Student Awards Agency Scotland.

Try a different salary

Student loan deduction only. Income tax and National Insurance are separate.

Every salary

SalaryMonthlyYearly
£15,000
£16,000
£17,000
£18,000
£19,000
£20,000
£21,000
£22,000
£23,000
£24,000
£25,000
£26,000
£27,000
£28,000
£29,000
£30,000
£31,000
£32,000
£33,000
£34,000£2£18
£35,000£9£108
£36,000£17£198
£37,000£24£288
£38,000£32£378
£39,000£39£468
£40,000£47£558
£41,000£54£648
£42,000£62£738
£43,000£69£828
£44,000£77£918
£45,000£84£1,008
£46,000£92£1,098
£47,000£99£1,188
£48,000£107£1,278
£49,000£114£1,368
£50,000£122£1,458
£51,000£129£1,548
£52,000£137£1,638
£53,000£144£1,728
£54,000£152£1,818
£55,000£159£1,908
£56,000£167£1,998
£57,000£174£2,088
£58,000£182£2,178
£59,000£189£2,268
£60,000£197£2,358
£65,000£234£2,808
£70,000£272£3,258
£75,000£309£3,708
£80,000£347£4,158
£85,000£384£4,608
£90,000£422£5,058
£95,000£459£5,508
£100,000£497£5,958
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Other plans

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.