Student loan guides
In-depth guides to the questions graduates actually ask: how repayment, interest, and write-off work, and how the loan fits into your wider finances.
Plan 2 Interest Rate CapPlan 2 interest has been capped at 6% since 1 September 2026. What it means for your loan.Threshold Freeze ExplainedHow frozen repayment thresholds cost you more each month, and what the 2026 parliamentary inquiry means.Plan 2 vs Plan 5Compare lifetime repayment costs for pre- and post-2023 loans side by side.Student Loans & MortgagesAffordability, income, your credit file, and whether to pay the loan off first.How Interest WorksRPI, sliding scales, and why your balance can grow despite repayments.RPI vs CPIWhy your loan interest outpaces inflation and what ‘adjusted for inflation’ really means.Pay Upfront or Take the Loan?When paying tuition upfront beats taking the loan, and when it doesn’t.Moving AbroadEstimate your repayment in any country, what to tell SLC before you leave, and what happens if you don’t.Self-EmploymentHow Self Assessment changes your repayments and common mistakes to avoid.