Student Loan Guides
Understand the UK student loan system with our comprehensive guides and resources
Understanding Loan Mechanics
How UK Student Loans Work
A comprehensive guide to the UK student loan system, plans, and repayment mechanics.
Understanding Student Loan Interest
How interest rates work, how they're calculated, and their impact on your total repayments.
Repayment Thresholds Explained
A guide to income thresholds for all UK student loan plans and how they affect your monthly payments.
Salary & Scenario Guides
Student Loans on Low Incomes
What happens if you earn below the repayment threshold or have variable income.
Student Loans for High Earners
Strategic planning for graduates expecting high incomes and when early repayment makes sense.
Student Loans & Mortgages
How student loan repayments affect mortgage applications and housing affordability.
Repayment Strategy Guides
Should You Overpay Your Student Loan?
A detailed analysis of when making additional payments makes financial sense.
Investing vs. Loan Repayment
Comparing the potential returns of investing extra money versus paying off your student loan faster.
Student Loans & Tax Planning
Understanding how student loan repayments interact with income tax and pension contributions.
Tax & Employment Integration
Understanding Your Student Loan Tax Code
SL, PGL, and number codes explained - how tax codes affect take-home pay and loan deductions.
PAYE vs Self Assessment Repayments
Timing differences, overpayment risks, and reconciliation between PAYE and Self Assessment systems.
Student Loans for Contractors
IR35, umbrella companies, and CIS deductions - complex employment structures affecting loan repayments.
How P60 and P45 Forms Affect Repayments
End of year reconciliation, changing jobs, and overpayment recovery using P60 and P45 forms.
Tax Code & Payslip Verification Guide
How to read payslips, verify deductions, spot errors, and claim refunds for student loan overpayments.
Income Complexity
Managing Student Loans with Multiple Jobs
PAYE split codes and threshold allocation across employers when working multiple jobs.
Bonus Payments and Student Loans
Why you pay more in bonus months - Period 1 codes and monthly threshold calculations explained.
Side Hustles and Student Loans
Self-employment income impact - gig economy and freelancing alongside PAYE employment.
Investment Income, Dividends and Repayments
When investment income triggers student loan repayments through Self Assessment.
Strategic Financial Planning
Pension Contributions vs Student Loan Overpayments
Strategic comparison for high earners - what delivers better long-term value?
Salary Sacrifice Benefits and Repayments
Hidden savings through childcare vouchers, cycle to work, EV schemes and their impact on student loans.
Student Loans and Career Progression
When higher salary costs more - marginal effective tax rates and promotion timing strategies.
Crossing Student Loan Thresholds
Strategic salary negotiation guide covering £50k cliff edge (Plan 2) and £25k threshold crossing.
Life Stage Integration
Maternity Pay and Student Loans
Budgeting for reduced income - SMP/SPP calculations and student loan adjustments during parental leave.
Part-Time Work and Student Loans
Threshold calculations explained - pro-rata thresholds and term-time only contracts.
Student Loans When Moving Abroad
Leaving UK employment - overseas repayment obligations, currency conversions, and reporting requirements.
Plan-Specific Strategy
Plan 2 Student Loans: Strategies for 2012-2023 Starters
Deep dive into RPI+3% era, threshold changes, and 30-year write-off optimization.
Plan 5 Optimisation: New Rules for Post-2023 Students
Strategic guide covering lower interest vs 40-year write-off trade-offs for recent starters.
Combining Undergraduate and Postgraduate Loans
Repayment allocation strategy - 6% vs 9% thresholds and strategic overpayment allocation.
Calculate Your Personal Repayments
Use our suite of calculators to apply what you've learned to your specific situation.