Guidance

Overseas earnings thresholds for Plan 1 student loans, 2025-26

Updated 6 April 2025

Applies to England, Northern Ireland and Wales

These thresholds apply to plan 1 student loans from April 2025 to March 2026.

The fixed monthly repayment amount is how much you’ll be charged if you don’t give us the information we need.

Country/Territory                         Currency                           Exchange rate Earnings threshold (GBP) Fixed monthly repayment (GBP)
Afghanistan Afghanis 0.010752 £5,215.00 £80.80  
Aland Islands Euro 0.848248 £26,065.00 £404.00  
Albania Leke 0.0084 £10,430.00 £161.60  
Algeria Algerian Dinar 0.005828 £10,430.00 £161.60  
American Samoa U.S. Dollar 0.782044 £31,280.00 £484.80  
Andorra Euro 0.848248 £20,855.00 £323.20  
Angola Kwanza 0.000893 £10,430.00 £161.60  
Anguilla East Caribbean Dollar 0.289452 £26,065.00 £404.00  
Antarctica U.S. Dollar 0.782044 £26,065.00 £404.00  
Antigua and Barbuda East Caribbean Dollar 0.289452 £20,855.00 £323.20  
Argentina Argentine Peso 0.000869 £15,640.00 £242.40  
Armenia Dram 0.001993 £10,430.00 £161.60  
Aruba Aruban Guilder 0.43691 £26,065.00 £404.00  
Australia Australian Dollar 0.518403 £31,280.00 £484.80  
Austria Euro 0.848248 £26,065.00 £404.00  
Azerbaijan Azerbaijanian Manat 0.459939 £10,430.00 £161.60  
Bahamas Bahamian Dollar 0.782044 £31,280.00 £484.80  
Bahrain Bahrain Dinar 2.079867 £15,640.00 £242.40  
Bangladesh Taka 0.006806 £10,430.00 £161.60  
Barbados Barbados Dollar 0.391037 £36,495.00 £565.60  
Belarus Belarusian Ruble 0.23888 £10,430.00 £161.60  
Belgium Euro 0.848248 £26,065.00 £404.00  
Belize Belizean Dollar 0.387342 £15,640.00 £242.40  
Benin CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Bermuda Bermudian Dollar 0.782044 £36,495.00 £565.60  
Bhutan Bhutanese Ngultrum 0.009361 £10,430.00 £161.60  
Bolivia Boliviano 0.113228 £10,430.00 £161.60  
Bonaire, Saint Eustatius and Saba U.S. Dollar 0.782044 £26,065.00 £404.00  
Bosnia and Herzegovina Convertible Marka 0.433727 £10,430.00 £161.60  
Botswana Pula 0.057813 £10,430.00 £161.60  
Bouvet Island Norwegian Krone 0.073267 £26,065.00 £404.00  
Brazil Brazilian Real 0.147826 £15,640.00 £242.40  
British Indian Ocean Territory U.S. Dollar 0.782044 £26,065.00 £404.00  
Brunei Brunei Dollar 0.58548 £10,430.00 £161.60  
Bulgaria Bulgarian Lev 0.433727 £10,430.00 £161.60  
Burkina Faso CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Burundi Burundi Franc 0.000272 £5,215.00 £80.80  
Cambodia Riel 0.000192 £10,430.00 £161.60  
Cameroon CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Canada Canadian Dollar 0.572705 £26,065.00 £404.00  
Cape Verde Cape Verde Escudo 0.007693 £15,640.00 £242.40  
Cayman Islands Cayman Islands Dollar 0.951656 £36,495.00 £565.60  
Central African Republic CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Chad CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Channel Islands British Pound 1 £26,065.00 £404.00  
Chile Chilean Peso 0.000836 £15,640.00 £242.40  
China Yuan Renminbi 0.10879 £15,640.00 £242.40  
Christmas Island Australian Dollar 0.518403 £31,280.00 £484.80  
Cocos (Keeling) Islands Australian Dollar 0.518403 £31,280.00 £484.80  
Colombia Colombian Peso 0.000194 £10,430.00 £161.60  
Comoros Comorian Franc 0.001724 £10,430.00 £161.60  
Congo Congolese Franc 0.000279 £10,430.00 £161.60  
Congo, Democratic Republic of Congolese Franc 0.000279 £10,430.00 £161.60  
Cook Islands New Zealand Dollar 0.476372 £26,065.00 £404.00  
Costa Rica Costa Rican Colon 0.001519 £20,855.00 £323.20  
Cote d’Ivoire CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Croatia Euro 0.848248 £15,640.00 £242.40  
Cuba Cuban Peso 0.032163 £15,640.00 £242.40  
Curacao Antillean Guilder 0.437573 £26,065.00 £404.00  
Cyprus Euro 0.848248 £20,855.00 £323.20  
Czech Republic Czech Koruna 0.033833 £15,640.00 £242.40  
Denmark Danish Krone 0.113724 £26,065.00 £404.00  
Djibouti Djiboutian Franc 0.004396 £15,640.00 £242.40  
Dominica East Caribbean Dollar 0.289452 £15,640.00 £242.40  
Dominican Republic Dominican Peso 0.013221 £15,640.00 £242.40  
Ecuador U.S. Dollar 0.782044 £10,430.00 £161.60  
Egypt Egyptian Pound 0.017795 £5,215.00 £80.80  
El Salvador U.S. Dollar 0.782044 £15,640.00 £242.40  
Equatorial Guinea CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Eritrea Nafka 0.052138 £10,430.00 £161.60  
Estonia Euro 0.848248 £20,855.00 £323.20  
Ethiopia Ethiopian Birr 0.010126 £15,640.00 £242.40  
Faeroe Islands Danish Krone 0.113724 £26,065.00 £404.00  
Falkland Islands Falkland Pound 1 £26,065.00 £404.00  
Federated States of Micronesia U.S. Dollar 0.782044 £31,280.00 £484.80  
Fiji Fiji Dollar 0.348663 £10,430.00 £161.60  
Finland Euro 0.848248 £26,065.00 £404.00  
France Euro 0.848248 £20,855.00 £323.20  
French Guiana Euro 0.848248 £20,855.00 £323.20  
French Polynesia CFP Franc 0.007109 £26,065.00 £404.00  
French Southern Territories Euro 0.848248 £20,855.00 £323.20  
Gabon CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Gambia Dalasi 0.011399 £10,430.00 £161.60  
Georgia Lari 0.288825 £10,430.00 £161.60  
Germany Euro 0.848248 £26,065.00 £404.00  
Ghana Ghanaian Cedi 0.054724 £10,430.00 £161.60  
Gibraltar British Pound 1 £26,065.00 £404.00  
Greece Euro 0.848248 £15,640.00 £242.40  
Greenland Danish Krone 0.113724 £26,065.00 £404.00  
Grenada East Caribbean Dollar 0.289452 £20,855.00 £323.20  
Guadeloupe Euro 0.848248 £20,855.00 £323.20  
Guam U.S. Dollar 0.782044 £31,280.00 £484.80  
Guatemala Quetzal 0.100714 £10,430.00 £161.60  
Guinea Guinean Franc 0.000091 £10,430.00 £161.60  
Guinea-Bissau CFA Franc (BCEAO) 0.001293 £10,430.00 £161.60  
Guyana Guyanese Dollar 0.003746 £10,430.00 £161.60  
Haiti Gourde 0.005918 £15,640.00 £242.40  
Heard and McDonald Islands Australian Dollar 0.518403 £31,280.00 £484.80  
Holy See (Vatican City State) Euro 0.848248 £20,855.00 £323.20  
Honduras Lempira 0.031562 £15,640.00 £242.40  
Hong Kong Hong  Kong Dollar 0.100195 £20,855.00 £323.20  
Hungary Forint 0.002158 £15,640.00 £242.40  
Iceland Icelandic Krona 0.00567 £31,280.00 £484.80  
India Indian Rupee 0.009361 £10,430.00 £161.60  
Indonesia Indonesian  Rupiah 0.000049 £10,430.00 £161.60  
Iran Iranian Rial 0.000025 £10,430.00 £161.60  
Iraq Iraqi Dinar 0.000598 £10,430.00 £161.60  
Ireland Euro 0.848248 £26,065.00 £404.00  
Isle of Man British Pound 1 £26,065.00 £404.00  
Israel New Israeli Shekel 0.210398 £31,280.00 £484.80  
Italy Euro 0.848248 £20,855.00 £323.20  
Jamaica Jamaican Dollar 0.005003 £20,855.00 £323.20  
Japan Yen 0.005171 £20,855.00 £323.20  
Jordan Jordanian Dinar 1.103022 £15,640.00 £242.40  
Kazakhstan Tenge 0.001683 £10,430.00 £161.60  
Kenya Kenya Schilling 0.005749 £10,430.00 £161.60  
Kiribati Australian Dollar 0.518403 £20,855.00 £323.20  
Korea, Democratic People’s Republic of Won Korea Dem. Rep 0.466523 £10,430.00 £161.60  
Korea, Republic of Won Korea Rep 0.000577 £20,855.00 £323.20  
Kosovo Euro 0.848248 £10,430.00 £161.60  
Kuwait Kuwaiti Dinar 2.54842 £20,855.00 £323.20  
Kyrgyztan Republic Kyrgyzstan Som 0.008955 £10,430.00 £161.60  
Lao PDR Kip 0.000036 £5,215.00 £80.80  
Latvia Euro 0.848248 £15,640.00 £242.40  
Lebanon Lebanese Pound 0.000011 £10,430.00 £161.60  
Lesotho Loti 0.042708 £10,430.00 £161.60  
Liberia Liberian Dollar (US Dollar in use) 0.004064 £15,640.00 £242.40  
Libya Libyan Dinar 0.162243 £10,430.00 £161.60  
Liechtenstein Swiss Franc 0.889996 £26,065.00 £404.00  
Lithuania Euro 0.848248 £15,640.00 £242.40  
Luxembourg Euro 0.848248 £26,065.00 £404.00  
Macau Patacas 0.097277 £20,855.00 £323.20  
Macedonia (Former Yugoslav Republic) Macedonian Denar 0.013782 £10,430.00 £161.60  
Madagascar Malagasy Ariary 0.000173 £10,430.00 £161.60  
Malawi Malawi Kwacha 0.000455 £10,430.00 £161.60  
Malaysia Ringgit 0.170077 £10,430.00 £161.60  
Maldives Rufiyaa 0.050762 £15,640.00 £242.40  
Mali CFA Franc (BCEAO) 0.001293 £10,430.00 £161.60  
Malta Euro 0.848248 £20,855.00 £323.20  
Marshall Islands U.S. Dollar 0.782044 £26,065.00 £404.00  
Martinique Euro 0.848248 £20,855.00 £323.20  
Mauritania Ouguiyas 0.019738 £10,430.00 £161.60  
Mauritius Mauritius Rupee 0.017043 £10,430.00 £161.60  
Mayotte Euro 0.848248 £20,855.00 £323.20  
Mexico Mexican Peso 0.043315 £15,640.00 £242.40  
Moldova Moldovan Leu 0.044117 £10,430.00 £161.60  
Monaco Euro 0.848248 £26,065.00 £404.00  
Mongolia Tugrik 0.00023 £10,430.00 £161.60  
Montenegro Euro 0.848248 £10,430.00 £161.60  
Montserrat East Caribbean Dollar 0.289452 £26,065.00 £404.00  
Morocco Moroccan Dirham 0.078658 £10,430.00 £161.60  
Mozambique Metical 0.012249 £10,430.00 £161.60  
Myanmar Kyat 0.000373 £5,215.00 £80.80  
Namibia Namibian Dollar 0.042708 £10,430.00 £161.60  
Nauru Australian Dollar 0.518403 £31,280.00 £484.80  
Nepal Nepalese Rupee 0.005848 £10,430.00 £161.60  
Netherlands Euro 0.848248 £26,065.00 £404.00  
New Caledonia CFP Franc 0.007109 £26,065.00 £404.00  
New Zealand New Zealand Dollar 0.476372 £26,065.00 £404.00  
Nicaragua Gold Cordoba 0.021269 £10,430.00 £161.60  
Niger CFA Franc (BCEAO) 0.001293 £10,430.00 £161.60  
Nigeria Nigerian Naira 0.00055 £10,430.00 £161.60  
Niue New Zealand Dollar 0.476372 £26,065.00 £404.00  
Norfolk Island Australian Dollar 0.518403 £31,280.00 £484.80  
Northern Mariana Islands U.S. Dollar 0.782044 £31,280.00 £484.80  
Norway Norwegian Krone 0.073267 £26,065.00 £404.00  
Oman Rial Omani 2.031694 £15,640.00 £242.40  
Pakistan Pakistan Rupee 0.002804 £5,215.00 £80.80  
Palau U.S. Dollar 0.782044 £26,065.00 £404.00  
Palestine (Occupied Territory) New Israeli Shekel 0.210398 £15,640.00 £242.40  
Panama Balboas 0.782044 £15,640.00 £242.40  
Papua New Guinea Kina 0.203434 £20,855.00 £323.20  
Paraguay Guarani 0.000104 £10,430.00 £161.60  
Peru New Sol 0.208368 £15,640.00 £242.40  
Philippines Philippine Peso 0.013692 £10,430.00 £161.60  
Pitcairn New Zealand Dollar 0.476372 £26,065.00 £404.00  
Poland Zloty 0.196321 £15,640.00 £242.40  
Portugal Euro 0.848248 £15,640.00 £242.40  
Puerto Rico U.S. Dollar 0.782044 £31,280.00 £484.80  
Qatar Qatar Riyal 0.214855 £20,855.00 £323.20  
Reunion Euro 0.848248 £20,855.00 £323.20  
Romania Romanian Leu 0.170523 £10,430.00 £161.60  
Russian Federation Russian Ruble 0.00853 £10,430.00 £161.60  
Rwanda Rwanda Franc 0.000598 £10,430.00 £161.60  
Saint Helena Saint Helena Pound 1 £26,065.00 £404.00  
Saint Kitts and Nevis East Caribbean Dollar 0.289452 £20,855.00 £323.20  
Saint Lucia East Caribbean Dollar 0.289452 £15,640.00 £242.40  
Saint Martin (French part) Euro 0.848248 £20,855.00 £323.20  
Saint Pierre and Miquelon Euro 0.848248 £20,855.00 £323.20  
Saint Vincent and Grenadines East Caribbean Dollar 0.289452 £15,640.00 £242.40  
Saint-Barthelemy Euro 0.848248 £20,855.00 £323.20  
Samoa Tala 0.285111 £20,855.00 £323.20  
San Marino Euro 0.848248 £26,065.00 £404.00  
Sao Tome and Principe Dobras 0.000035 £15,640.00 £242.40  
Saudi Arabia Saudi Riyal 0.208551 £15,640.00 £242.40  
Senegal CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Serbia Serbian Dinar 0.007243 £10,430.00 £161.60  
Seychelles Seychelles Rupee 0.057161 £15,640.00 £242.40  
Sierra Leone Leone 0.000063 £5,215.00 £80.80  
Singapore Singapore Dollar 0.58548 £20,855.00 £323.20  
Sint Maarten (Dutch part) Antilles Guilder 0.437573 £26,065.00 £404.00  
Slovakia Euro 0.848248 £15,640.00 £242.40  
Slovenia Euro 0.848248 £20,855.00 £323.20  
Solomon Islands Solomon  Islands Dollar 0.09383 £20,855.00 £323.20  
Somalia Somali Shilling 0.001371 £10,430.00 £161.60  
South Africa Rand 0.042708 £10,430.00 £161.60  
South Georgia and the South Sandwich Islands British Pound 1 £26,065.00 £404.00  
South Sudan Sudanese Pound 0.001306 £10,430.00 £161.60  
Spain Euro 0.848248 £20,855.00 £323.20  
Sri Lanka Sri Lankan Rupee 0.002563 £10,430.00 £161.60  
Sudan Sudanese Pound 0.001306 £20,855.00 £323.20  
Suriname Surinam Dollar 0.023439 £10,430.00 £161.60  
Svalbard and Jan Mayen Islands Norwegian Krone 0.073267 £26,065.00 £404.00  
Swaziland Lilangeni 0.042708 £10,430.00 £161.60  
Sweden Swedish Krona 0.074389 £26,065.00 £404.00  
Switzerland Swiss Franc 0.889996 £31,280.00 £484.80  
Syria Syrian Pound 0.00399 £5,215.00 £80.80  
Taiwan Taiwan Dollar 0.024403 £26,065.00 £404.00  
Tajikistan Somoni 0.12336 £5,215.00 £80.80  
Thailand Thai Baht 0.022122 £10,430.00 £161.60  
Timor-Leste U.S. Dollar 0.782044 £10,430.00 £161.60  
Togo CFA Franc (BEAC) 0.001293 £10,430.00 £161.60  
Tokelau New Zealand Dollar 0.476372 £26,065.00 £404.00  
Tonga Pa’anga 0.330666 £20,855.00 £323.20  
Trinidad and Tobago Trinidad & Tobago Dollar 0.115287 £15,640.00 £242.40  
Tunisia Tunisian Dinar 0.251724 £10,430.00 £161.60  
Turkey Turkish New Lira 0.024065 £10,430.00 £161.60  
Turkmenistan Turkmenistan New Manat 0.223599 £10,430.00 £161.60  
Turks and Caicos Islands U.S. Dollar 0.782044 £36,495.00 £565.60  
Tuvalu Australian Dollar 0.518403 £31,280.00 £484.80  
Uganda Ugandan New Shilling 0.000208 £10,430.00 £161.60  
Ukraine Hryvnia 0.019541 £10,430.00 £161.60  
United Arab Emirates U.A.E. Dirham 0.212952 £20,855.00 £323.20  
United Kingdom British Pound 1 £26,065.00 £404.00  
United republic of Tanzania Tanzanian Shilling 0.000298 £10,430.00 £161.60  
United States of America U.S. Dollar 0.782044 £31,280.00 £484.80  
Uruguay Uruguayan Peso 0.019606 £20,855.00 £323.20  
Uzbekistan Uzbekistan Sum 0.000062 £10,430.00 £161.60  
Vanuatu Vatu 0.006529 £31,280.00 £484.80  
Venezuela Bolivar Fuerte 0.01443 £15,640.00 £242.40  
Vietnam Dong 0.000031 £10,430.00 £161.60  
Virgin Islands (British) U.S. Dollar 0.782044 £26,065.00 £404.00  
Virgin Islands (US) U.S. Dollar 0.782044 £31,280.00 £484.80  
Wallis and Futuna Islands CFP Franc 0.007109 £10,430.00 £161.60  
Western Sahara Moroccan Dirham 0.078658 £10,430.00 £161.60  
Yemen Yemeni Rial 0.003124 £10,430.00 £161.60  
Zambia Zambian Kwacha 0.03029 £10,430.00 £161.60  
Zimbabwe Zimbabwean Gold 0.030848 £10,430.00 £161.60