Student Finance Hub
Manage your loans, budget smarter, and graduate debt-confident
2026/27 Threshold
£25,000
Plan 2 repayment threshold
Repayment Rate
9%
Of income over threshold
Interest Rate
RPI + 0%
While studying (Plan 2)
Write-off Period
30 Years
After graduation (Plan 2)
Quick Tools
Calculate your student loan repayments and plan your monthly budget
Debt Management Tips
Essential strategies for managing student debt and building good financial habits
Understand Your Plan
Know which student loan plan you're on (1, 2, 4, or 5) as repayment thresholds and interest rates differ significantly.
Budget Monthly
Track your maintenance loan spending across rent, food, bills, and leisure to avoid unnecessary overdrafts.
Emergency Fund
Set aside 10-15% of your maintenance loan for unexpected expenses to avoid high-interest student overdrafts.
Plan Ahead
Use the loan calculator to see future repayments - you only pay 9% of income over the threshold, so don't stress about early career salary.
Financial Guides
Learn how to manage your student finances like a pro
UK Student Loans Explained: Plans 1-5 and 2026 Repayment Thresholds
Confused about student loan plans? Here's everything you need to know about Plan 1, 2, 4, and 5 — including 2026/27 thresholds and when your loan gets written off.
Student Budgeting: How to Make Your Maintenance Loan Last All Year
From rent to groceries to nights out — here's how to budget your student finances so you're not living on instant noodles by March.
