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.
Pick a scenario that matches you
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Total repayment
Your salary: £40,000
Your Balance Over Time
Based on 4% salary growth, frozen thresholds, and 3.2% RPI.
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Guides
Plan 2 vs Plan 5
Compare thresholds, interest rates, and total repayments between the two main loan plans.
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How Interest Works
Understand the sliding scale, RPI rates, and why your balance can grow even while repaying.
Read Guide
Student Loan & Mortgage
How student loan repayments affect your mortgage affordability and borrowing capacity.
Read Guide
RPI vs CPI
Why your loan interest outpaces inflation and what ‘adjusted for inflation’ really means.
Read Guide
Moving Abroad
What happens to your student loan repayments if you leave the UK.
Read Guide
Self-Employment
How repayments work through Self Assessment for freelancers and the self-employed.
Read Guide