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Navigate through all our calculators, guides, and resources to help you understand and manage your UK student loans

Last Updated: December 24, 2025

Student Loan Plans

Plan 1 Plan 2 Plan 4 Plan 5 Postgraduate Loan

Compare Plans & Scenarios

Plan 1 vs Plan 2 Plan 2 vs Plan 5 Plan 4 vs Plan 5 Student Loans by Profession Student Loans Career Progression Student Loans on £25k Salary Student Loans on £50k Salary Undergraduate vs Postgraduate

Guides & Resources

Bonus Payments Student Loans UK Career Progression Student Loans Marginal Tax Contractors Student Loans IR35 Umbrella CIS Crossing Student Loan Thresholds UK How Student Loans Work UK Investing vs Loan Repayment Investment Income Dividends Student Loans UK Loan Interest Explained Maternity Pay Student Loans UK Moving Abroad UK Student Loans Multiple Jobs Student Loans UK P60 P45 Student Loan Repayments Part Time Work Student Loans UK PAYE vs Self Assessment Student Loans Pension vs Student Loan Overpayments UK Plan 2 Student Loans UK Strategy Plan 5 Student Loans UK Optimization Postgraduate Loans UK Strategy Repayment Thresholds Salary Sacrifice Student Loans UK Self Employment Student Loans UK Should I Overpay Loan Side Hustles Student Loans UK Student Loan Tax Code Payslip UK Student Loan Tax Codes Student Loans and Mortgages Student Loans and Taxes Student Loans High Earners Student Loans Low Income Loan Types Explained Student Loan Interest Rates

Financial Planning with Student Loans

Financial Planning Hub Pension vs Loan Calculator Salary Sacrifice Loan Reducer Childcare Vouchers Impact Cycle to Work Loan Reduction Professional Subscriptions Charitable Giving & Loans Marriage Allowance & Loans ISA vs Loan Overpayment LISA House Deposit & Loans Stocks & Shares Loan Strategy Premium Bonds vs Loans BTL Property with Loans Pension Carry-Forward & Loans SIPP Loan Strategy Auto-Enrollment Optimization

Property & Mortgages

Property Hub FTB Affordability Calculator Help to Buy & Student Loans Shared Ownership Feasibility Guarantor Mortgages & Loans First Home Scheme & Loans Remortgage with Student Debt Offset Mortgage & Loans Overpayment Priority Calculator BTL Portfolio & Student Loans

Couples & Student Loans

Couples Hub Both Partners Loans Calculator Divorce Student Loan Split Household Income Planning Marriage Loan Implications Parental Contribution Own Kids

Debt Management & Student Loans

Debt Management Hub Debt Consolidation Loans Credit Score & Loan Myths Credit Builder Apps for Students First Credit Card for Students Overdraft Management at University Hardship Payment Plans Bankruptcy & Student Loans IVA & Loan Interaction Mental Health & Debt Support

UK Regional Systems

Regional Student Loan Systems Channel Islands Isle of Man England Student Loan System England to Scotland Transfer NI Student GB University Northern Ireland Loans Scotland SAAS Loan Differences Scottish Postgrad England Wales Student Finance Welsh Student English Uni

Student Loan Lifecycle

Student Loan Lifecycle Career Progression Repayment Timeline Changing Course Loan Adjustments Choosing University Loan Impact Clearing Late Application Loans Death Loan Cancellation Dropping Out Loan Consequences First Job Repayment Shock Foundation Year Loan Costs Gap Year Loan Implications Maintenance Loan Estimator by City Placement Year Loan Impact Repeat Year Funding Retirement Outstanding Loans Study Abroad Year Loans Unemployment Loan Accumulation

Life Events & Student Loans

Life Events Hub Career Change Salary Drop Caring Responsibilities Loans Mental Health Financial Break Disability Loan Cancellation Long-Term Sick Leave Loans Early Retirement Planning Back to Education Second Loan Pregnancy Loan Planning Career Break & Sabbatical Redundancy Loan Management Adoption Leave Loans Childcare Costs vs Loans Single Parent Loan Strategy IVF Treatment Loan Balance

Employment & Student Loans

Main Employment Page

Employment Overview

Traditional Employment

Graduate Schemes Loan Impact Public Sector Loan Myths Shift Work Calculation Commission Bonus Structures

Self-Employment

Sole Trader Loan Optimization Limited Company Dividend Strategy Partnership Loan Calculations Freelance Feast Famine Planning Contractor Inside IR35 Impact

Gig Economy

Uber Deliveroo Loan Impact Airbnb Rental Income Loans Online Tutoring Student Loans Content Creator Loan Planning Crypto Trading Loan Implications

All Calculators

Basic Calculators

Plan 1 Student Loan Calculator Plan 2 Student Loan Calculator Plan 4 Student Loan Calculator Plan 5 Student Loan Calculator Postgraduate Loan Calculator Monthly Repayment Calculator Student Loan Interest Calculator

Advanced Calculators

Combined Repayment Calculator Combined Loan Calculator Early Payoff Date Calculator Total Loan Cost Calculator Student Loan Overpayment Calculator Loan Writeoff Checker Repayment Start Date Calculator

Impact & Scenario Calculators

Graduation Year Impact Calculator Salary Growth Impact Calculator Inflation Impact Calculator SLC Interest Rate Impact Calculator Income Threshold Alert Calculator Bonus & Variable Pay Impact Calculator

Employment & Income Calculators

Self-Employed Loan Calculator Part-Time Earnings Calculator Multiple Jobs & Side Income Calculator CIS Self-Employed Calculator Umbrella IR35 PAYE Calculator Multiple Jobs PAYE Split Calculator

PAYE & Tax Calculators

Bonus Month PAYE Calculator PAYE Period Threshold Calculator SL & PGL Tax Code Impact Calculator PAYE vs Self Assessment Calculator SLC vs SA Calculator

Self Assessment Calculators

SA Unearned Income Calculator Self Assessment Balancing Payment Calculator P60/P45 Student Loan Reconciliation Calculator

Special Circumstances Calculators

Maternity/Paternity Leave Adjustment Part Year Employment & Career Break Calculator Pension Salary Sacrifice Effect Calculator Regional/National Comparison Calculator

Combined Loan Calculators

Combined UG/PG Repayment Allocator

Reference Tools

Plan Cohort Finder Tax Year Threshold & Interest Browser

News & Updates

News Hub Research Studies & Loans Court Cases & Legal Precedents SLC System Changes Political Party Loan Policies

Advanced Student Loan Strategies

Advanced Strategies Hub Multiple Degrees Loan Stacking Company Director Dividend Strategy Overseas Income and UK Tax Part-Complete Courses Debt Trust Fund and Inheritance Strategy

Legal Information

Legal Information Hub SLC Complaints Procedure GDPR Data Rights with SLC Judicial Review Cases Loan Terms and Conditions Parliamentary Loan Changes

Student Loan Updates & Changes

Updates Hub 2025-26 Academic Year Changes 2025 Threshold Changes 2025 Interest Rate Updates Budget 2025 Student Loans

Policy & Legal

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