UK Student Loan Repayment Calculator 2025/26
Calculate UK student loan repayments for 2025/26 across Plan 1, 2, 4, 5 and Postgraduate, with thresholds and rates.
UK student loan repayments are 9% of income above your plan's threshold (6% for Postgraduate loans), collected through PAYE.
| Plan | Threshold 2025/26 | Rate |
|---|
| Plan 1 | £26,065 | 9% |
| Plan 2 | £28,470 | 9% |
| Plan 4 (Scotland) | £32,745 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate | £21,000 | 6% |
Example: on £35,000 with Plan 2 you repay 9% of the £6,530 above £28,470.
Frequently asked questions
What is the Plan 2 repayment threshold for 2025/26?
£28,470 — you repay 9% of income above this.
How much is the Postgraduate loan rate?
6% of income above £21,000, paid alongside any undergraduate plan.