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Plan 1 – if you started uni before 1st

16/03/2022

You will start repaying your student loan from the April after you finish your course – once you start a job that earns over the threshold

If you earn more than ?19,884 that’s ?382 a week or ?1,657 a month 9% of what you earn above this will go towards paying off your student loan (around ?34 per week or ?149 per month)

This threshold changes in April of each year, usually going up (meaning you can earn more before you pay, and the charge applies to less of your earnings)

The debt is cleared at 65 if you took the loan before 2006, or 25 years after you started paying if you took the loan after that.

Plan 2 – if you started uni after 1st

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You start paying the loan back the April four years after the start of your course, payday loans East Ridge or the April after you finish or leave your course

You will begin to pay your loan when you earn?27,288 a year – that’s ?2,274 a month or ?524 a week. Your repayments will be automatically deducted from your pay if you work for an employer

If you earn more than ?27,288, then 9% of what you earn above this will go towards paying off your student loan

What interest will you pay?

Remember that most people don’t pay any interest at all. Interest is added before the government clears the debt, but that makes no difference if you won’t ever pay back the full amount you borrowed.

The student loan interest rate for plan 1 is 1.1%, so any other interest-earning debts you have are likely to cost more than your student loan.

For those on plan 2, interest is 4.1% while you’re studying. This is made up of the Retail Price Index plus up to 3%, so it can change from year to year. After you have finished your course, your interest is based on your income:

What if you have other debts?

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If you have outstanding debts in addition to your student loan, it is almost certainly worth prioritising these instead of overpaying on your student loan. These debts could include:

As student loan repayments come out of your salary and you only have to make them if you earn above the earning thresholds, there is no chance of falling behind on them and getting into financial trouble like you could with other debts.

If your student loan is your highest interest debt and you think you’ll clear it before it’s wiped, then you might consider paying it back before other sums you owe.

What if you have no other debts?

If your student loan is your only outstanding debt and you have some cash to spare, you could consider repaying it, but again only if you will clear the full amount before it is wiped out.

For most people, putting the extra cash into a high interest interest savings account , a pension, or a stocks and shares ISA is a more sensible use of your disposable income. If you’re not paying interest on your student loan because you won’t clear it, using the money to make extra returns is a far more sensible course of action.

How do you make overpayments?

Pay an additional amount online to the Student Loans Company with a credit or debit card. A minimum of ?5 applies.

Send a cheque or postal order to the Student Loans Company , making sure to write your Student Support Number on the back.

No refunds of your overpayments can be made if you change your mind, so make sure you are able to manage without the funds you send.

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