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Student Loan Guides
Understand your plan type, when your loan is written off, and whether overpaying makes sense.
Student Loan Repayment Thresholds 2026/27
The 2026/27 thresholds for Plan 1, 2, 4, 5 and Postgraduate loans, with worked examples showing what you repay at each salary.
When Is Your Student Loan Written Off? Rules for Plan 1, 2, 3 and 5
Write-off dates by plan type: Plan 1 after 25 years, Plan 2 after 30, Plan 5 after 40. How cancellation works automatically.
Plan 2 vs Plan 5 Student Loan
How Plan 2 and the newer Plan 5 differ on repayment thresholds, interest rates, and write-off periods.
Will I Ever Pay Off My Student Loan?
How to project your balance forward and work out whether full repayment or write-off is the more likely outcome.