Understand how additional part-time income affects your student loan repayments
Student loan repayments are based on your total income from all sources. Part-time work adds to your repayment obligations.
Your main employment income
≈ £417/month
Threshold: £27,295 | Rate: 9.0%
Combined Annual Income
£33,000
Total Monthly Repayment
£43
£513 per year
Additional Repayment from Part-Time Work
+£37/month
+£450 per year
Without Part-Time Work
£5/month
£63 per year
Effective Rate on Part-Time Earnings
9.0%
You keep 91.0% of part-time earnings (after loan repayments)
Income Breakdown
| Part-Time Earnings | Total Income | Monthly Repayment | Annual Repayment | Take-Home Rate |
|---|---|---|---|---|
| £0 | £28,000 | £5 | £63 | - |
| £2,500 | £30,500 | £24 | £288 | 91.0% |
| £5,000(Current) | £33,000 | £43 | £513 | 91.0% |
| £7,500 | £35,500 | £62 | £738 | 91.0% |
| £10,000 | £38,000 | £80 | £963 | 91.0% |
| £15,000 | £43,000 | £118 | £1,413 | 91.0% |
Take-Home Rate: The percentage of part-time earnings you keep after student loan repayments (not including tax or National Insurance).
HMRC considers all your income from all sources. Part-time work, freelancing, and side hustles all count toward repayments.
Remember: you'll also pay tax and National Insurance on part-time earnings. The actual take-home will be lower than shown here.
If you're employed, student loan repayments are automatically deducted through PAYE. Self-employed? You'll pay through Self Assessment.
Many graduates take on part-time work, freelance projects, or side hustles to supplement their income. It's important to understand that all your income is combined when calculating student loan repayments.
Sarah works full-time earning £26,000 and does weekend shifts at a shop earning £4,000/year.
James has a full-time job at £32,000 and takes freelance design projects earning £8,000/year.
Emma works full-time at £24,000 and does evening restaurant shifts earning £6,000/year.
Yes. If you're employed, your employer will report your earnings to HMRC. If you're self-employed, you must declare the income through Self Assessment. HMRC will automatically calculate your combined student loan repayments.
Each PAYE employer deducts based only on what they pay you. However, if neither job alone crosses the threshold but combined they do, you may need to pay extra through Self Assessment or an adjusted tax code.
You're still legally required to declare this income to HMRC, even if paid in cash. Failure to declare can result in penalties and back-payments with interest.
Yes. Even temporary or seasonal work counts toward your total annual income. Your student loan repayments are based on your total annual earnings from all sources.
Generally no. While you'll pay more in student loan repayments, you'll still keep 60-70% of your earnings after all deductions. Plus, you're reducing your loan balance and paying less interest long-term. The financial benefit usually outweighs the extra repayments.
Understand your complete financial picture with our other student loan calculators
Important: This calculator shows student loan repayments only. Your actual take-home pay will be lower after income tax and National Insurance. Always consult with HMRC or a financial advisor for personalized advice.