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Plan 2£45,0004.7% interest30yr write-off

Student Loans Hurt Middle Earners Most

  • Low earners get their loans written off.
  • High earners pay them off quickly.
  • Middle earners pay the most in total—and the most interest.

Total repayment by salary

£40,000
£25,000£150,000
Salary Growth

Typical career progression

Simulate threshold rising

Frozen thresholds (current policy)

Note: Government has frozen thresholds through 2027.

Your Balance Over Time

See how your loan balance decreases over time based on your current salary. Watch it drop to zero—or reach the 30-year write-off point.

Enter loan details to see your balance over time

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