Answer a few questions about who funded your course, what you studied and when it began. Wayli will apply the published plan rules and show why they point to a plan.
Your plan depends on where and when you studied, what type of course or loan you took, and the rules that apply to that borrowing.
Your payslip or Student Loans Company account will confirm your repayment plan.
These summary cards are orientation only. Check the official rules for your course and start date at GOV.UK's plan guide.
Repayments are usually deducted automatically through PAYE once your income rises above the repayment threshold.
Student loan deductions increase, reduce or stop as your earnings move above or below the repayment threshold.
Repayments are normally calculated and collected through your Self Assessment tax return.
Different plans have different repayment thresholds, write-off dates and rules, so two people on the same salary may repay very different amounts.
Each repayment plan has different thresholds and write-off rules, which can change your student loan outcome over your lifetime.
| Plan | Repayment threshold | Repayment rate | Write-off |
|---|---|---|---|
| Plan 1 | £26,900 | 9% | 25 years |
| Plan 2 | £29,385 | 9% | 30 years |
| Plan 4 | £33,795 | 9% | 30 years |
| Plan 5 | £25,000 | 9% | 40 years |
| Postgraduate | £21,000 | 6% | 30 years |
The figures shown are the current 2026–27 UK annual thresholds. Thresholds and write-off rules can change, and write-off timing can depend on when your first loan was paid. Check the latest official figures before making an important financial decision.
Sources: how much you repay and when loans are written off.
Your repayment plan determines when repayments begin, how much is deducted from your salary and how long repayments can continue.
It's one of the biggest factors in understanding whether you're likely to repay your balance in full.
Knowing your repayment plan makes every other student loan decision easier to understand.
Not if you are employed. Repayments are usually deducted automatically via your employer.
Student loan deductions start once your income is above the repayment threshold.
Keep your employment and contact info up to date with the student loan service.
Your new employer handles deductions once your details are updated.
Deductions reduce or stop if earnings drop below the threshold.
Yes, different plans have different thresholds and rules.
Use the calculator when the answer depends on your plan, earnings, balance and time until write-off.
Calculate my outcome