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

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Student Loan Plans

Plan 1Plan 2Plan 4Plan 5Postgraduate Loan

Student Finance Application

Student Finance HubHow to Apply for Student FinanceWhen to Apply: Student Finance DeadlinesApplication Status TrackerCommon Application MistakesHousehold Income — How It WorksParents' Income AssessmentEstrangement & Independent StatusParental Contribution Explained

Eligibility Guides

Eligibility Guides HubUK Nation & Residency RequirementsSecond Degree FundingMature StudentsPart-Time StudentsDisabled Students (DSA)How Many Years of Student Finance

Payment Dates

Payment Dates HubStudent Finance Payment Dates 2026/27Your First Student Finance PaymentTermly Payment Schedule ExplainedWhy Your Payment Is LateChanged Course Payment ImpactWithdrawn or Suspended Study PaymentsRepeat Year Payment ChangesRepayment Start Date Calculator

Compare Plans & Scenarios

Plan 1 vs Plan 2Plan 2 vs Plan 5Plan 4 vs Plan 5Student Loans by ProfessionStudent Loans Career ProgressionStudent Loans on £25k SalaryStudent Loans on £50k SalaryUndergraduate vs Postgraduate

Real-World Repayment Scenarios

Scenarios HubDoctor Salary ProgressionTeacher Loan Repayment RealityCity Banker Rapid Repayment£30k Salary TimelineMinimum Wage Worker Loans

Common Questions Answered

Questions HubCan I Escape Student Loans Abroad?Can I Go Bankrupt with Student Loans?Do I Repay During Maternity Leave?Is University Worth the Debt?Should Parents Pay Upfront?What Happens If I Never Earn Enough?What If I Die with Loan Debt?Will My Loan Stop Me Getting a Mortgage?

Guides & Resources

Bonus Payments Student Loans UKCareer Progression Student Loans Marginal TaxContractors Student Loans IR35 Umbrella CISCrossing Student Loan Thresholds UKHow Student Loans Work UKInvesting vs Loan RepaymentInvestment Income Dividends Student Loans UKLoan Interest ExplainedMaternity Pay Student Loans UKMoving Abroad UK Student LoansMultiple Jobs Student Loans UKP60 P45 Student Loan RepaymentsPart Time Work Student Loans UKPAYE vs Self Assessment Student LoansPension vs Student Loan Overpayments UKPlan 2 Student Loans UK StrategyPlan 5 Student Loans UK OptimizationPostgraduate Loans UK StrategyRepayment ThresholdsSalary Sacrifice Student Loans UKSelf Employment Student Loans UKShould I Overpay LoanSide Hustles Student Loans UKStudent Loan Tax Code Payslip UKStudent Loan Tax CodesStudent Loans and MortgagesStudent Loans and TaxesStudent Loans High EarnersStudent Loans Low IncomeLoan Types ExplainedStudent Loan Interest RatesBudgeting for StudentsMaintenance Loan GuideHow Much Maintenance Loan Will I Get?Minimum Maintenance LoanMaximum Maintenance LoanMaintenance Loan: Living at Home vs AwayMaintenance Loan London Rate ExplainedMaintenance Loan Household Income BandsMaintenance Loan for a Master'sMartin Lewis Student Loans

Financial Planning with Student Loans

Financial Planning HubPension vs Loan CalculatorSalary Sacrifice Loan ReducerChildcare Vouchers ImpactCycle to Work Loan ReductionProfessional SubscriptionsCharitable Giving & LoansMarriage Allowance & LoansISA vs Loan OverpaymentLISA House Deposit & LoansStocks & Shares Loan StrategyPremium Bonds vs LoansBTL Property with LoansPension Carry-Forward & LoansSIPP Loan StrategyAuto-Enrollment Optimization

Property & Mortgages

Property HubFTB Affordability CalculatorHelp to Buy & Student LoansShared Ownership FeasibilityGuarantor Mortgages & LoansFirst Home Scheme & LoansRemortgage with Student DebtOffset Mortgage & LoansOverpayment Priority CalculatorBTL Portfolio & Student Loans

Couples & Student Loans

Couples HubBoth Partners Loans CalculatorDivorce Student Loan SplitHousehold Income PlanningMarriage Loan ImplicationsParental Contribution Own Kids

Debt Management & Student Loans

Debt Management HubCredit Score & Loan MythsCredit Builder Apps for StudentsFirst Credit Card for StudentsOverdraft Management at UniversityHardship Payment PlansBankruptcy & Student LoansIVA & Loan InteractionMental Health & Debt Support

International & Expat Loans

International Student LoansAustralia Student Loan RepaymentCanada UK Loan ManagementCruise Ship Worker LoansCurrency Risk PlanningDigital Nomad Student LoansDiplomatic Service LoansDubai UAE Loan ObligationsEmigration Loan ChecklistFinal UK Tax Return LoansGermany EU Student LoansMilitary Overseas PostingNetherlands Loan RepaymentNew Zealand Repayment GuideNotifying SLC Moving AbroadOverseas Arrears ResolutionPermanent Return ChecklistReturning Expat Loan RestartSingapore Hong Kong LoansSpain Portugal Expat LoansSwitzerland High Earner LoansTax Treaty Loan ImpactUSA Student Loan Expats

UK Regional Systems

Regional Student Loan SystemsChannel Islands Isle of ManEngland Student Loan SystemEngland to Scotland TransferNI Student GB UniversityNorthern Ireland LoansScotland SAAS Loan DifferencesScottish Postgrad EnglandWales Student FinanceWelsh Student English Uni

Student Loan Lifecycle

Student Loan LifecycleCareer Progression Repayment TimelineChanging Course Loan AdjustmentsChoosing University Loan ImpactClearing Late Application LoansDeath Loan CancellationDropping Out Loan ConsequencesFirst Job Repayment ShockFoundation Year Loan CostsGap Year Loan ImplicationsMaintenance Loan Estimator by CityPlacement Year Loan ImpactRepeat Year FundingRetirement Outstanding LoansStudy Abroad Year LoansUnemployment Loan Accumulation

Life Events & Student Loans

Life Events HubCareer Change Salary DropCaring Responsibilities LoansMental Health Financial BreakDisability Loan CancellationLong-Term Sick Leave LoansEarly Retirement PlanningBack to Education Second LoanPregnancy Loan PlanningCareer Break & SabbaticalRedundancy Loan ManagementAdoption Leave LoansChildcare Costs vs LoansSingle Parent Loan StrategyIVF Treatment Loan Balance

Employment & Student Loans

Main Employment Page

Employment Overview

Traditional Employment

Graduate Schemes Loan ImpactPublic Sector Loan MythsShift Work CalculationCommission Bonus Structures

Self-Employment

Sole Trader Loan OptimizationLimited Company Dividend StrategyPartnership Loan CalculationsFreelance Feast Famine PlanningContractor Inside IR35 Impact

Gig Economy

Uber Deliveroo Loan ImpactAirbnb Rental Income LoansOnline Tutoring Student LoansContent Creator Loan PlanningCrypto Trading Loan Implications

All Calculators

Basic Calculators

Postgraduate Loan CalculatorMonthly Repayment CalculatorStudent Loan Interest CalculatorMaintenance Loan Amount Calculator

Advanced Calculators

Combined Repayment CalculatorEarly Payoff Date CalculatorTotal Loan Cost CalculatorStudent Loan Overpayment CalculatorLoan Writeoff CheckerRepayment Start Date Calculator

Impact & Scenario Calculators

Career Progression CalculatorInflation Impact CalculatorSLC Interest Rate Impact CalculatorBonus & Variable Pay Impact Calculator

Employment & Income Calculators

Self-Employed Loan CalculatorPart-Time Earnings CalculatorMultiple Jobs & Side Income CalculatorCIS Self-Employed CalculatorUmbrella IR35 PAYE CalculatorMultiple Jobs PAYE Split Calculator

PAYE & Tax Calculators

Bonus Month PAYE CalculatorSL & PGL Tax Code Impact CalculatorPAYE vs Self Assessment CalculatorSLC vs SA Calculator

Self Assessment Calculators

SA Unearned Income CalculatorSelf Assessment Balancing Payment CalculatorP60/P45 Student Loan Reconciliation Calculator

Special Circumstances Calculators

Maternity/Paternity Leave AdjustmentPart Year Employment & Career Break CalculatorPension Salary Sacrifice Effect CalculatorRegional/National Comparison Calculator

Reference Tools

Plan Cohort FinderTax Year Threshold & Interest Browser

News & Updates

News HubUK Student Loan Repayments Fall by More Than Half Since 20162026 Student Loan UpdatesResearch Studies & LoansCourt Cases & Legal PrecedentsSLC System ChangesPolitical Party Loan Policies

Advanced Student Loan Strategies

Advanced Strategies HubCombined Repayment CalculatorContractors, IR35, Umbrella and CISNotifying the SLC When Moving Abroad

Legal Information

Legal Information HubSLC Complaints ProcedureGDPR Data Rights with SLCJudicial Review CasesLoan Terms and ConditionsParliamentary Loan Changes

Student Loan Updates & Changes

Updates Hub2026-27 Academic Year Changes2025 Threshold Changes2025 Interest Rate UpdatesBudget 2025 Student Loans

Policy & Legal

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