Student Loan Write-Off Calculator
Calculate the exact date when your student loan will be cancelled, based on your loan plan and study details.
Find Your Loan Write-Off Date
Different loan plans have different write-off periods
The year you completed or expect to complete your course
Your Results
Complete the form and click "Calculate Write-Off Date" to see when your student loan will be cancelled.
Estimated Write-Off Date
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This is when any remaining loan balance will be cancelled
How Student Loan Write-Offs Work
UK student loans are eventually written off (cancelled) if you haven't fully repaid them within a set period. The exact write-off period depends on your loan plan:
- Plan 1 loans: Written off when you turn 65, or 25 years after the April following graduation (if you started your course after September 2006)
- Plan 2 loans: Written off 30 years after the April following graduation
- Plan 4 loans: Written off 30 years after the April following graduation
- Plan 5 loans: Written off 40 years after the April following graduation
- Postgraduate loans: Written off 30 years after the April following graduation
This means that many graduates will never fully repay their student loans, as they'll be cancelled before the total amount is repaid. This calculator helps you determine the exact date your loan will be written off, which can be useful for long-term financial planning.
Important Notes:
- The write-off date is calculated from the April following your course completion
- If you never earn above the repayment threshold, you won't make any repayments
- Even if you don't make repayments, your loan will still be written off on the calculated date
- Student loan write-offs are not currently taxed as income in the UK