Student Loan Repayment Issues
Fix overpayments, claim refunds, and resolve employer payroll errors with your student loan.
Refunds & Overpayments
Overpaying your student loan is surprisingly common. Multiple jobs, late stop notices, and PAYE reporting lags all create situations where you pay more than you owe. These guides show you how to check whether you have overpaid and walk you through the refund claim process step by step.
How to Get a Student Loan Refund
When you qualify for a refund, how to claim from SLC or HMRC, what evidence you need, and how long it takes.
Overpaid Because of Multiple Jobs
Why holding two jobs causes double deductions, how to check if you overpaid, and how to claim it back.
Overpaid After Loan Was Paid Off
Why deductions continue after your loan hits zero, the PAYE reporting lag, and how to get your money back.
Check Your Student Loan Balance
Where to find your current student loan balance, why the SLC figure lags your payslip, and how to read your annual statement.
Employer & Payroll Errors
Your employer is responsible for deducting the correct student loan amount from your pay. When they get it wrong, you either overpay or underpay, and fixing the error involves HMRC, SLC, and your payroll department. These guides explain the most common employer mistakes, how to identify them on your payslip, and what to do about each one.
Employer Deducting the Wrong Plan
How wrong plan codes happen, the financial impact, how to get your employer and HMRC to fix it, and claiming the difference back.
Employer Not Stopping Deductions
Why deductions continue after your loan is repaid, how the SLC stop notice works, and what you can do to speed things up.
Payslip Deductions Explained
What every student loan line on your payslip means, plan codes decoded, how to verify the amount, and when to raise a query.
Self Assessment & Tax Return Issues
If you file a Self Assessment tax return, your student loan repayment is calculated on your total income, including self-employment profits and unearned income. These guides explain how balancing payments work, how unearned income is treated, and the common mistakes that lead to overpaying or underpaying through your tax return.
Self Assessment Balancing Payment Explained
How your student loan repayment is calculated in Self Assessment, when the balancing payment is due, and how PAYE deductions are offset.
Unearned Income Repayment Mistakes
How dividends, savings interest, and rental income affect your student loan, the £2,000 threshold trap, and mistakes that cost you money.
Check Your Repayments Are Correct
Use our calculators to verify your monthly deductions and see exactly what you should be paying