Common Questions Answered

Clear answers to the most common questions about UK student loans, repayments, and financial impact.

Financial Strategy & Planning

Analysis of whether paying upfront versus taking loans makes financial sense for families.

Complete explanation of below-threshold earnings and the loan write-off safety net.

ROI analysis by subject and institution type to help you evaluate the financial value of a degree.

How student loans affect mortgage affordability calculations and borrowing capacity.

Understanding why student loans are excluded from bankruptcy discharge in the UK.

How statutory maternity pay affects repayments and what happens to your threshold.

The reality of overseas enforcement, repayment obligations, and consequences of evasion.

Understanding the death discharge provisions and lack of transferability to estate or family.

Use our calculators to see exactly how these rules apply to your specific salary and loan balance.