Guidance

Overseas earnings thresholds for Plan 4 student loans, 2025-26

Updated 6 April 2025

Applies to Scotland

These thresholds apply to Plan 4 student loans from April 2025 until 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 £6,560.00 £40.20  
Aland Islands Euro 0.848248 £32,745.00 £201.00  
Albania Leke 0.0084 £13,105.00 £80.40  
Algeria Algerian Dinar 0.005828 £13,105.00 £80.40  
American Samoa U.S. Dollar 0.782044 £39,305.00 £241.00  
Andorra Euro 0.848248 £26,205.00 £160.80  
Angola Kwanza 0.000893 £13,105.00 £80.40  
Anguilla East Caribbean Dollar 0.289452 £32,745.00 £201.00  
Antarctica U.S. Dollar 0.782044 £32,745.00 £201.00  
Antigua and Barbuda East Caribbean Dollar 0.289452 £26,205.00 £160.80  
Argentina Argentine Peso 0.000869 £19,660.00 £120.60  
Armenia Dram 0.001993 £13,105.00 £80.40  
Aruba Aruban Guilder 0.43691 £32,745.00 £201.00  
Australia Australian Dollar 0.518403 £39,305.00 £241.00  
Austria Euro 0.848248 £32,745.00 £201.00  
Azerbaijan Azerbaijanian Manat 0.459939 £13,105.00 £80.40  
Bahamas Bahamian Dollar 0.782044 £39,305.00 £241.00  
Bahrain Bahrain Dinar 2.079867 £19,660.00 £120.60  
Bangladesh Taka 0.006806 £13,105.00 £80.40  
Barbados Barbados Dollar 0.391037 £45,850.00 £281.40  
Belarus Belarusian Ruble 0.23888 £13,105.00 £80.40  
Belgium Euro 0.848248 £32,745.00 £201.00  
Belize Belizean Dollar 0.387342 £19,660.00 £120.60  
Benin CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Bermuda Bermudian Dollar 0.782044 £45,850.00 £281.40  
Bhutan Bhutanese Ngultrum 0.009361 £13,105.00 £80.40  
Bolivia Boliviano 0.113228 £13,105.00 £80.40  
Bonaire, Saint Eustatius and Saba U.S. Dollar 0.782044 £32,745.00 £201.00  
Bosnia and Herzegovina Convertible Marka 0.433727 £13,105.00 £80.40  
Botswana Pula 0.057813 £13,105.00 £80.40  
Bouvet Island Norwegian Krone 0.073267 £32,745.00 £201.00  
Brazil Brazilian Real 0.147826 £19,660.00 £120.60  
British Indian Ocean Territory U.S. Dollar 0.782044 £32,745.00 £201.00  
Brunei Brunei Dollar 0.58548 £13,105.00 £80.40  
Bulgaria Bulgarian Lev 0.433727 £13,105.00 £80.40  
Burkina Faso CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Burundi Burundi Franc 0.000272 £6,560.00 £40.20  
Cambodia Riel 0.000192 £13,105.00 £80.40  
Cameroon CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Canada Canadian Dollar 0.572705 £32,745.00 £201.00  
Cape Verde Cape Verde Escudo 0.007693 £19,660.00 £120.60  
Cayman Islands Cayman Islands Dollar 0.951656 £45,850.00 £281.40  
Central African Republic CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Chad CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Channel Islands British Pound 1 £32,745.00 £201.00  
Chile Chilean Peso 0.000836 £19,660.00 £120.60  
China Yuan Renminbi 0.10879 £19,660.00 £120.60  
Christmas Island Australian Dollar 0.518403 £39,305.00 £241.00  
Cocos (Keeling) Islands Australian Dollar 0.518403 £39,305.00 £241.00  
Colombia Colombian Peso 0.000194 £13,105.00 £80.40  
Comoros Comorian Franc 0.001724 £13,105.00 £80.40  
Congo Congolese Franc 0.000279 £13,105.00 £80.40  
Congo, Democratic Republic of Congolese Franc 0.000279 £13,105.00 £80.40  
Cook Islands New Zealand Dollar 0.476372 £32,745.00 £201.00  
Costa Rica Costa Rican Colon 0.001519 £26,205.00 £160.80  
Cote d’Ivoire CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Croatia Euro 0.848248 £19,660.00 £120.60  
Cuba Cuban Peso 0.032163 £19,660.00 £120.60  
Curacao Antillean Guilder 0.437573 £32,745.00 £201.00  
Cyprus Euro 0.848248 £26,205.00 £160.80  
Czech Republic Czech Koruna 0.033833 £19,660.00 £120.60  
Denmark Danish Krone 0.113724 £32,745.00 £201.00  
Djibouti Djiboutian Franc 0.004396 £19,660.00 £120.60  
Dominica East Caribbean Dollar 0.289452 £19,660.00 £120.60  
Dominican Republic Dominican Peso 0.013221 £19,660.00 £120.60  
Ecuador U.S. Dollar 0.782044 £13,105.00 £80.40  
Egypt Egyptian Pound 0.017795 £6,560.00 £40.20  
El Salvador U.S. Dollar 0.782044 £19,660.00 £120.60  
Equatorial Guinea CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Eritrea Nafka 0.052138 £13,105.00 £80.40  
Estonia Euro 0.848248 £26,205.00 £160.80  
Ethiopia Ethiopian Birr 0.010126 £19,660.00 £120.60  
Faeroe Islands Danish Krone 0.113724 £32,745.00 £201.00  
Falkland Islands Falkland Pound 1 £32,745.00 £201.00  
Federated States of Micronesia U.S. Dollar 0.782044 £39,305.00 £241.00  
Fiji Fiji Dollar 0.348663 £13,105.00 £80.40  
Finland Euro 0.848248 £32,745.00 £201.00  
France Euro 0.848248 £26,205.00 £160.80  
French Guiana Euro 0.848248 £26,205.00 £160.80  
French Polynesia CFP Franc 0.007109 £32,745.00 £201.00  
French Southern Territories Euro 0.848248 £26,205.00 £160.80  
Gabon CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Gambia Dalasi 0.011399 £13,105.00 £80.40  
Georgia Lari 0.288825 £13,105.00 £80.40  
Germany Euro 0.848248 £32,745.00 £201.00  
Ghana Ghanaian Cedi 0.054724 £13,105.00 £80.40  
Gibraltar British Pound 1 £32,745.00 £201.00  
Greece Euro 0.848248 £19,660.00 £120.60  
Greenland Danish Krone 0.113724 £32,745.00 £201.00  
Grenada East Caribbean Dollar 0.289452 £26,205.00 £160.80  
Guadeloupe Euro 0.848248 £26,205.00 £160.80  
Guam U.S. Dollar 0.782044 £39,305.00 £241.00  
Guatemala Quetzal 0.100714 £13,105.00 £80.40  
Guinea Guinean Franc 0.000091 £13,105.00 £80.40  
Guinea-Bissau CFA Franc (BCEAO) 0.001293 £13,105.00 £80.40  
Guyana Guyanese Dollar 0.003746 £13,105.00 £80.40  
Haiti Gourde 0.005918 £19,660.00 £120.60  
Heard and McDonald Islands Australian Dollar 0.518403 £39,305.00 £241.00  
Holy See (Vatican City State) Euro 0.848248 £26,205.00 £160.80  
Honduras Lempira 0.031562 £19,660.00 £120.60  
Hong Kong Hong  Kong Dollar 0.100195 £26,205.00 £160.80  
Hungary Forint 0.002158 £19,660.00 £120.60  
Iceland Icelandic Krona 0.00567 £39,305.00 £241.00  
India Indian Rupee 0.009361 £13,105.00 £80.40  
Indonesia Indonesian  Rupiah 0.000049 £13,105.00 £80.40  
Iran Iranian Rial 0.000025 £13,105.00 £80.40  
Iraq Iraqi Dinar 0.000598 £13,105.00 £80.40  
Ireland Euro 0.848248 £32,745.00 £201.00  
Isle of Man British Pound 1 £32,745.00 £201.00  
Israel New Israeli Shekel 0.210398 £39,305.00 £241.00  
Italy Euro 0.848248 £26,205.00 £160.80  
Jamaica Jamaican Dollar 0.005003 £26,205.00 £160.80  
Japan Yen 0.005171 £26,205.00 £160.80  
Jordan Jordanian Dinar 1.103022 £19,660.00 £120.60  
Kazakhstan Tenge 0.001683 £13,105.00 £80.40  
Kenya Kenya Schilling 0.005749 £13,105.00 £80.40  
Kiribati Australian Dollar 0.518403 £26,205.00 £160.80  
Korea, Democratic People’s Republic of Won Korea Dem. Rep 0.466523 £13,105.00 £80.40  
Korea, Republic of Won Korea Rep 0.000577 £26,205.00 £160.80  
Kosovo Euro 0.848248 £13,105.00 £80.40  
Kuwait Kuwaiti Dinar 2.54842 £26,205.00 £160.80  
Kyrgyztan Republic Kyrgyzstan Som 0.008955 £13,105.00 £80.40  
Lao PDR Kip 0.000036 £6,560.00 £40.20  
Latvia Euro 0.848248 £19,660.00 £120.60  
Lebanon Lebanese Pound 0.000011 £13,105.00 £80.40  
Lesotho Loti 0.042708 £13,105.00 £80.40  
Liberia Liberian Dollar (US Dollar in use) 0.004064 £19,660.00 £120.60  
Libya Libyan Dinar 0.162243 £13,105.00 £80.40  
Liechtenstein Swiss Franc 0.889996 £32,745.00 £201.00  
Lithuania Euro 0.848248 £19,660.00 £120.60  
Luxembourg Euro 0.848248 £32,745.00 £201.00  
Macau Patacas 0.097277 £26,205.00 £160.80  
Macedonia (Former Yugoslav Republic) Macedonian Denar 0.013782 £13,105.00 £80.40  
Madagascar Malagasy Ariary 0.000173 £13,105.00 £80.40  
Malawi Malawi Kwacha 0.000455 £13,105.00 £80.40  
Malaysia Ringgit 0.170077 £13,105.00 £80.40  
Maldives Rufiyaa 0.050762 £19,660.00 £120.60  
Mali CFA Franc (BCEAO) 0.001293 £13,105.00 £80.40  
Malta Euro 0.848248 £26,205.00 £160.80  
Marshall Islands U.S. Dollar 0.782044 £32,745.00 £201.00  
Martinique Euro 0.848248 £26,205.00 £160.80  
Mauritania Ouguiyas 0.019738 £13,105.00 £80.40  
Mauritius Mauritius Rupee 0.017043 £13,105.00 £80.40  
Mayotte Euro 0.848248 £26,205.00 £160.80  
Mexico Mexican Peso 0.043315 £19,660.00 £120.60  
Moldova Moldovan Leu 0.044117 £13,105.00 £80.40  
Monaco Euro 0.848248 £32,745.00 £201.00  
Mongolia Tugrik 0.00023 £13,105.00 £80.40  
Montenegro Euro 0.848248 £13,105.00 £80.40  
Montserrat East Caribbean Dollar 0.289452 £32,745.00 £201.00  
Morocco Moroccan Dirham 0.078658 £13,105.00 £80.40  
Mozambique Metical 0.012249 £13,105.00 £80.40  
Myanmar Kyat 0.000373 £6,560.00 £40.20  
Namibia Namibian Dollar 0.042708 £13,105.00 £80.40  
Nauru Australian Dollar 0.518403 £39,305.00 £241.00  
Nepal Nepalese Rupee 0.005848 £13,105.00 £80.40  
Netherlands Euro 0.848248 £32,745.00 £201.00  
New Caledonia CFP Franc 0.007109 £32,745.00 £201.00  
New Zealand New Zealand Dollar 0.476372 £32,745.00 £201.00  
Nicaragua Gold Cordoba 0.021269 £13,105.00 £80.40  
Niger CFA Franc (BCEAO) 0.001293 £13,105.00 £80.40  
Nigeria Nigerian Naira 0.00055 £13,105.00 £80.40  
Niue New Zealand Dollar 0.476372 £32,745.00 £201.00  
Norfolk Island Australian Dollar 0.518403 £39,305.00 £241.00  
Northern Mariana Islands U.S. Dollar 0.782044 £39,305.00 £241.00  
Norway Norwegian Krone 0.073267 £32,745.00 £201.00  
Oman Rial Omani 2.031694 £19,660.00 £120.60  
Pakistan Pakistan Rupee 0.002804 £6,560.00 £40.20  
Palau U.S. Dollar 0.782044 £32,745.00 £201.00  
Palestine (Occupied Territory) New Israeli Shekel 0.210398 £19,660.00 £120.60  
Panama Balboas 0.782044 £19,660.00 £120.60  
Papua New Guinea Kina 0.203434 £26,205.00 £160.80  
Paraguay Guarani 0.000104 £13,105.00 £80.40  
Peru New Sol 0.208368 £19,660.00 £120.60  
Philippines Philippine Peso 0.013692 £13,105.00 £80.40  
Pitcairn New Zealand Dollar 0.476372 £32,745.00 £201.00  
Poland Zloty 0.196321 £19,660.00 £120.60  
Portugal Euro 0.848248 £19,660.00 £120.60  
Puerto Rico U.S. Dollar 0.782044 £39,305.00 £241.00  
Qatar Qatar Riyal 0.214855 £26,205.00 £160.80  
Reunion Euro 0.848248 £26,205.00 £160.80  
Romania Romanian Leu 0.170523 £13,105.00 £80.40  
Russian Federation Russian Ruble 0.00853 £13,105.00 £80.40  
Rwanda Rwanda Franc 0.000598 £13,105.00 £80.40  
Saint Helena Saint Helena Pound 1 £32,745.00 £201.00  
Saint Kitts and Nevis East Caribbean Dollar 0.289452 £26,205.00 £160.80  
Saint Lucia East Caribbean Dollar 0.289452 £19,660.00 £120.60  
Saint Martin (French part) Euro 0.848248 £26,205.00 £160.80  
Saint Pierre and Miquelon Euro 0.848248 £26,205.00 £160.80  
Saint Vincent and Grenadines East Caribbean Dollar 0.289452 £19,660.00 £120.60  
Saint-Barthelemy Euro 0.848248 £26,205.00 £160.80  
Samoa Tala 0.285111 £26,205.00 £160.80  
San Marino Euro 0.848248 £32,745.00 £201.00  
Sao Tome and Principe Dobras 0.000035 £19,660.00 £120.60  
Saudi Arabia Saudi Riyal 0.208551 £19,660.00 £120.60  
Senegal CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Serbia Serbian Dinar 0.007243 £13,105.00 £80.40  
Seychelles Seychelles Rupee 0.057161 £19,660.00 £120.60  
Sierra Leone Leone 0.000063 £6,560.00 £40.20  
Singapore Singapore Dollar 0.58548 £26,205.00 £160.80  
Sint Maarten (Dutch part) Antilles Guilder 0.437573 £32,745.00 £201.00  
Slovakia Euro 0.848248 £19,660.00 £120.60  
Slovenia Euro 0.848248 £26,205.00 £160.80  
Solomon Islands Solomon  Islands Dollar 0.09383 £26,205.00 £160.80  
Somalia Somali Shilling 0.001371 £13,105.00 £80.40  
South Africa Rand 0.042708 £13,105.00 £80.40  
South Georgia and the South Sandwich Islands British Pound 1 £32,745.00 £201.00  
South Sudan Sudanese Pound 0.001306 £13,105.00 £80.40  
Spain Euro 0.848248 £26,205.00 £160.80  
Sri Lanka Sri Lankan Rupee 0.002563 £13,105.00 £80.40  
Sudan Sudanese Pound 0.001306 £26,205.00 £160.80  
Suriname Surinam Dollar 0.023439 £13,105.00 £80.40  
Svalbard and Jan Mayen Islands Norwegian Krone 0.073267 £32,745.00 £201.00  
Swaziland Lilangeni 0.042708 £13,105.00 £80.40  
Sweden Swedish Krona 0.074389 £32,745.00 £201.00  
Switzerland Swiss Franc 0.889996 £39,305.00 £241.00  
Syria Syrian Pound 0.00399 £6,560.00 £40.20  
Taiwan Taiwan Dollar 0.024403 £32,745.00 £201.00  
Tajikistan Somoni 0.12336 £6,560.00 £40.20  
Thailand Thai Baht 0.022122 £13,105.00 £80.40  
Timor-Leste U.S. Dollar 0.782044 £13,105.00 £80.40  
Togo CFA Franc (BEAC) 0.001293 £13,105.00 £80.40  
Tokelau New Zealand Dollar 0.476372 £32,745.00 £201.00  
Tonga Pa’anga 0.330666 £26,205.00 £160.80  
Trinidad and Tobago Trinidad & Tobago Dollar 0.115287 £19,660.00 £120.60  
Tunisia Tunisian Dinar 0.251724 £13,105.00 £80.40  
Turkey Turkish New Lira 0.024065 £13,105.00 £80.40  
Turkmenistan Turkmenistan New Manat 0.223599 £13,105.00 £80.40  
Turks and Caicos Islands U.S. Dollar 0.782044 £45,850.00 £281.40  
Tuvalu Australian Dollar 0.518403 £39,305.00 £241.00  
Uganda Ugandan New Shilling 0.000208 £13,105.00 £80.40  
Ukraine Hryvnia 0.019541 £13,105.00 £80.40  
United Arab Emirates U.A.E. Dirham 0.212952 £26,205.00 £160.80  
United Kingdom British Pound 1 £32,745.00 £201.00  
United republic of Tanzania Tanzanian Shilling 0.000298 £13,105.00 £80.40  
United States of America U.S. Dollar 0.782044 £39,305.00 £241.00  
Uruguay Uruguayan Peso 0.019606 £26,205.00 £160.80  
Uzbekistan Uzbekistan Sum 0.000062 £13,105.00 £80.40  
Vanuatu Vatu 0.006529 £39,305.00 £241.00  
Venezuela Bolivar Fuerte 0.01443 £19,660.00 £120.60  
Vietnam Dong 0.000031 £13,105.00 £80.40  
Virgin Islands (British) U.S. Dollar 0.782044 £32,745.00 £201.00  
Virgin Islands (US) U.S. Dollar 0.782044 £39,305.00 £241.00  
Wallis and Futuna Islands CFP Franc 0.007109 £13,105.00 £80.40  
Western Sahara Moroccan Dirham 0.078658 £13,105.00 £80.40  
Yemen Yemeni Rial 0.003124 £13,105.00 £80.40  
Zambia Zambian Kwacha 0.03029 £13,105.00 £80.40  
Zimbabwe Zimbabwean Gold 0.030848 £13,105.00 £80.40