Decision walkthrough

Which student loan decision are you making?

For: UK student-loan borrowers deciding whether to overpay, wait or focus on another financial priority.
This page helps you: Understand which repayment facts and trade-offs matter before choosing a next step.

Start with your question

You can enter anywhere. There is no forced order.

Each page gives a useful answer on its own. The sequence only shows how one question can lead to the next.

Which student loan plan am I on?
Use your course and funding facts to identify the plan that most likely applies.
Identify my plan
What does my plan mean for repayments?
Understand thresholds, interest, balance direction and the possible write-off path.
Understand repayments
Am I likely to repay the loan in full?
Model your plan, earnings, balance and time until write-off using your own figures.
Try my numbers
Could overpaying save money?
See why extra payments can help some borrowers while others may value keeping the money flexible.
Explore overpaying

Useful side questions

Narrow the salary, plan and timing facts that matter before discussing the question further.

Separate current deductions from the balance and longer-term repayment total.

Use the calculator when the answer depends on your plan, earnings, balance and time until write-off.