Compare student loan repayments across England, Scotland, Wales, and Northern Ireland to understand how your region affects what you pay.
Each UK nation has different repayment thresholds, interest rates, and loan plans. This calculator helps you compare.
Different loan plans apply to different regions
See how repayments differ across all four UK nations
Monthly Payment
£30
9% above £26,065
Annual Payment
£354
Total Repaid
£8,854
Total Interest
£50,359
Write-Off Date
Apr 2046
After 25 years
Monthly Payment
£11
9% above £28,470
Annual Payment
£138
Total Repaid
£4,131
Total Interest
£113,826
Write-Off Date
Apr 2051
After 30 years
Monthly Payment
£38
9% above £25,000
Annual Payment
£450
Total Repaid
£18,000
Total Interest
£692,885
Write-Off Date
Apr 2061
After 40 years
Monthly Payment
£45
6% above £21,000
Annual Payment
£540
Total Repaid
£16,200
Total Interest
£312,364
Write-Off Date
Apr 2051
After 30 years
| Plan | Regions | Threshold (2025/26) | Rate | Write-Off | Interest |
|---|---|---|---|---|---|
| Plan 1 | England, Wales, Northern Ireland | £26,065 | 9% | 25 years | 3.2% |
| Plan 2 | England, Wales | £28,470 | 9% | 30 years | 4.3% |
| Plan 4 | Scotland only | £32,745 | 9% | 30 years | 4.3% |
| Plan 5 | England only (2023+) | £25,000 | 9% | 40 years | 7.3% |
| Postgraduate | All UK nations | £21,000 | 6% | 30 years | 7.3% |
Student loan repayment terms vary significantly across the UK, depending on which nation you studied in and when you started your course. This calculator helps you understand these regional differences and compare how much you would pay under different systems.
Use our dedicated calculators to get detailed repayment projections for specific loan plans including overpayment scenarios.