Guidance
Overseas earnings thresholds for Plan 5 student loans, 2026 to 2027
Updated 6 April 2026
Applies to England
© Crown copyright 2026
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These thresholds apply to Plan 5 student loans from April 2026 until March 2027.
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 | £5,000.00 | £88.40 | |
| Aland Islands | Euro | 0.853461 | £25,000.00 | £442.00 | |
| Albania | Leke | 0.008712 | £10,000.00 | £176.80 | |
| Algeria | Algerian Dinar | 0.005765 | £10,000.00 | £176.80 | |
| American Samoa | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Andorra | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Angola | Kwanza | 0.000828 | £10,000.00 | £176.80 | |
| Anguilla | East Caribbean Dollar | 0.280812 | £25,000.00 | £442.00 | |
| Antarctica | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Antigua and Barbuda | East Caribbean Dollar | 0.280812 | £20,000.00 | £353.60 | |
| Argentina | Argentine Peso | 0.000623 | £15,000.00 | £265.20 | |
| Armenia | Dram | 0.001963 | £10,000.00 | £176.80 | |
| Aruba | Aruban Guilder | 0.424628 | £25,000.00 | £442.00 | |
| Australia | Australian Dollar | 0.489572 | £25,000.00 | £442.00 | |
| Austria | Euro | 0.853461 | £25,000.00 | £442.00 | |
| Azerbaijan | Azerbaijanian Manat | 0.447107 | £10,000.00 | £176.80 | |
| Bahamas | Bahamian Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Bahrain | Bahrain Dinar | 2.021427 | £15,000.00 | £265.20 | |
| Bangladesh | Taka | 0.006252 | £10,000.00 | £176.80 | |
| Barbados | Barbados Dollar | 0.38004 | £30,000.00 | £530.40 | |
| Belarus | Belarusian Ruble | 0.229484 | £5,000.00 | £88.40 | |
| Belgium | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Belize | Belizean Dollar | 0.3779 | £15,000.00 | £265.20 | |
| Benin | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Bermuda | Bermudian Dollar | 0.760109 | £35,000.00 | £618.80 | |
| Bhutan | Bhutanese Ngultrum | 0.00877 | £5,000.00 | £88.40 | |
| Bolivia | Boliviano | 0.110016 | £10,000.00 | £176.80 | |
| Bonaire, Saint Eustatius and Saba | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Bosnia and Herzegovina | Convertible Marka | 0.436357 | £10,000.00 | £176.80 | |
| Botswana | Pula | 0.055907 | £10,000.00 | £176.80 | |
| Bouvet Island | Norwegian Krone | 0.072895 | £25,000.00 | £442.00 | |
| Brazil | Brazilian Real | 0.134876 | £15,000.00 | £265.20 | |
| British Indian Ocean Territory | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Brunei | Brunei Dollar | 0.580889 | £10,000.00 | £176.80 | |
| Bulgaria | Bulgarian Lev | 0.853461 | £10,000.00 | £176.80 | |
| Burkina Faso | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Burundi | Burundi Franc | 0.000256 | £5,000.00 | £88.40 | |
| Cambodia | Riel | 0.000189 | £10,000.00 | £176.80 | |
| Cameroon | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Canada | Canadian Dollar | 0.543508 | £25,000.00 | £442.00 | |
| Cape Verde | Cape Verde Escudo | 0.00774 | £15,000.00 | £265.20 | |
| Cayman Islands | Cayman Islands Dollar | 0.916254 | £35,000.00 | £618.80 | |
| Central African Republic | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Chad | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Channel Islands | British Pound | 1 | £25,000.00 | £442.00 | |
| Chile | Chilean Peso | 0.000797 | £15,000.00 | £265.20 | |
| China | Yuan Renminbi | 0.105538 | £15,000.00 | £265.20 | |
| Christmas Island | Australian Dollar | 0.489572 | £25,000.00 | £442.00 | |
| Cocos (Keeling) Islands | Australian Dollar | 0.489572 | £25,000.00 | £442.00 | |
| Colombia | Colombian Peso | 0.000186 | £10,000.00 | £176.80 | |
| Comoros | Comorian Franc | 0.001735 | £10,000.00 | £176.80 | |
| Congo | Congolese Franc | 0.000274 | £10,000.00 | £176.80 | |
| Congo, Democratic Republic of | Congolese Franc | 0.000274 | £10,000.00 | £176.80 | |
| Cook Islands | New Zealand Dollar | 0.44342 | £25,000.00 | £442.00 | |
| Costa Rica | Costa Rican Colon | 0.001509 | £20,000.00 | £353.60 | |
| Cote d’Ivoire | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Croatia | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Cuba | Cuban Peso | 0.0317 | £15,000.00 | £265.20 | |
| Curacao | Antillean Guilder | 0.437573 | £25,000.00 | £442.00 | |
| Cyprus | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Czech Republic | Czech Koruna | 0.034473 | £15,000.00 | £265.20 | |
| Denmark | Danish Krone | 0.114356 | £25,000.00 | £442.00 | |
| Djibouti | Djiboutian Franc | 0.00427 | £15,000.00 | £265.20 | |
| Dominica | East Caribbean Dollar | 0.280812 | £15,000.00 | £265.20 | |
| Dominican Republic | Dominican Peso | 0.012352 | £10,000.00 | £176.80 | |
| Ecuador | U.S. Dollar | 0.760109 | £10,000.00 | £176.80 | |
| Egypt | Egyptian Pound | 0.015344 | £5,000.00 | £88.40 | |
| El Salvador | U.S. Dollar | 0.760109 | £10,000.00 | £176.80 | |
| Equatorial Guinea | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Eritrea | Nafka | 0.050673 | £10,000.00 | £176.80 | |
| Estonia | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Ethiopia | Ethiopian Birr | 0.005566 | £10,000.00 | £176.80 | |
| Faeroe Islands | Danish Krone | 0.114356 | £25,000.00 | £442.00 | |
| Falkland Islands | Falkland Pound | 1 | £25,000.00 | £442.00 | |
| Federated States of Micronesia | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Fiji | Fiji Dollar | 0.333912 | £10,000.00 | £176.80 | |
| Finland | Euro | 0.853461 | £25,000.00 | £442.00 | |
| France | Euro | 0.853461 | £20,000.00 | £353.60 | |
| French Guiana | Euro | 0.853461 | £20,000.00 | £353.60 | |
| French Polynesia | CFP Franc | 0.007152 | £25,000.00 | £442.00 | |
| French Southern Territories | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Gabon | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Gambia | Dalasi | 0.010492 | £5,000.00 | £88.40 | |
| Georgia | Lari | 0.276564 | £10,000.00 | £176.80 | |
| Germany | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Ghana | Ghanaian Cedi | 0.05949 | £10,000.00 | £176.80 | |
| Gibraltar | British Pound | 1 | £25,000.00 | £442.00 | |
| Greece | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Greenland | Danish Krone | 0.114356 | £25,000.00 | £442.00 | |
| Grenada | East Caribbean Dollar | 0.280812 | £15,000.00 | £265.20 | |
| Guadeloupe | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Guam | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Guatemala | Quetzal | 0.098923 | £10,000.00 | £176.80 | |
| Guinea | Guinean Franc | 0.000088 | £10,000.00 | £176.80 | |
| Guinea-Bissau | CFA Franc (BCEAO) | 0.001301 | £10,000.00 | £176.80 | |
| Guyana | Guyanese Dollar | 0.003635 | £10,000.00 | £176.80 | |
| Haiti | Gourde | 0.005808 | £20,000.00 | £353.60 | |
| Heard and McDonald Islands | Australian Dollar | 0.489572 | £25,000.00 | £442.00 | |
| Holy See (Vatican City State) | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Honduras | Lempira | 0.029297 | £15,000.00 | £265.20 | |
| Hong Kong | Hong Kong Dollar | 0.097498 | £20,000.00 | £353.60 | |
| Hungary | Forint | 0.002137 | £15,000.00 | £265.20 | |
| Iceland | Icelandic Krona | 0.005906 | £30,000.00 | £530.40 | |
| India | Indian Rupee | 0.00877 | £5,000.00 | £88.40 | |
| Indonesia | Indonesian Rupiah | 0.000046 | £10,000.00 | £176.80 | |
| Iran | Iranian Rial | 0.000025 | £10,000.00 | £176.80 | |
| Iraq | Iraqi Dinar | 0.000581 | £10,000.00 | £176.80 | |
| Ireland | Euro | 0.853461 | £25,000.00 | £442.00 | |
| Isle of Man | British Pound | 1 | £25,000.00 | £442.00 | |
| Israel | New Israeli Shekel | 0.218756 | £30,000.00 | £530.40 | |
| Italy | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Jamaica | Jamaican Dollar | 0.004784 | £15,000.00 | £265.20 | |
| Japan | Yen | 0.005097 | £20,000.00 | £353.60 | |
| Jordan | Jordanian Dinar | 1.072041 | £10,000.00 | £176.80 | |
| Kazakhstan | Tenge | 0.001452 | £10,000.00 | £176.80 | |
| Kenya | Kenya Schilling | 0.005877 | £10,000.00 | £176.80 | |
| Kiribati | Australian Dollar | 0.489572 | £20,000.00 | £353.60 | |
| Korea, Democratic People’s Republic of | Won Korea Dem. Rep | 0.466523 | £10,000.00 | £76.80 | |
| Korea, Republic of | Won Korea Rep | 0.000537 | £20,000.00 | £353.60 | |
| Kosovo | Euro | 0.853461 | £10,000.00 | £176.80 | |
| Kuwait | Kuwaiti Dinar | 2.477701 | £20,000.00 | £353.60 | |
| Kyrgyztan Republic | Kyrgyzstan Som | 0.008693 | £10,000.00 | £176.80 | |
| Lao PDR | Kip | 0.000035 | £5,000.00 | £88.40 | |
| Latvia | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Lebanon | Lebanese Pound | 0.000008 | £10,000.00 | £176.80 | |
| Lesotho | Loti | 0.042393 | £10,000.00 | £176.80 | |
| Liberia | Liberian Dollar (US Dollar in use) | 0.003937 | £15,000.00 | £265.20 | |
| Libya | Libyan Dinar | 0.144215 | £15,000.00 | £265.20 | |
| Liechtenstein | Swiss Franc | 0.911079 | £25,000.00 | £442.00 | |
| Lithuania | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Luxembourg | Euro | 0.853461 | £25,000.00 | £442.00 | |
| Macau | Patacas | 0.094658 | £15,000.00 | £265.20 | |
| Macedonia (Former Yugoslav Republic) | Macedonian Denar | 0.013871 | £10,000.00 | 176.80 | |
| Madagascar | Malagasy Ariary | 0.000167 | £10,000.00 | £176.80 | |
| Malawi | Malawi Kwacha | 0.000439 | £10,000.00 | £176.80 | |
| Malaysia | Ringgit | 0.176395 | £10,000.00 | £176.80 | |
| Maldives | Rufiyaa | 0.049235 | £15,000.00 | £265.20 | |
| Mali | CFA Franc (BCEAO) | 0.001301 | £10,000.00 | £176.80 | |
| Malta | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Marshall Islands | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Martinique | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Mauritania | Ouguiyas | 0.019128 | £10,000.00 | £176.80 | |
| Mauritius | Mauritius Rupee | 0.016633 | £10,000.00 | £176.80 | |
| Mayotte | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Mexico | Mexican Peso | 0.039402 | £15,000.00 | £265.20 | |
| Moldova | Moldovan Leu | 0.04342 | £10,000.00 | £176.80 | |
| Monaco | Euro | 0.853461 | £25,000.00 | £442.00 | |
| Mongolia | Tugrik | 0.000215 | £10,000.00 | £176.80 | |
| Montenegro | Euro | 0.853461 | £10,000.00 | £176.80 | |
| Montserrat | East Caribbean Dollar | 0.280812 | £25,000.00 | £442.00 | |
| Morocco | Moroccan Dirham | 0.080992 | £10,000.00 | £176.80 | |
| Mozambique | Metical | 0.011894 | £10,000.00 | £176.80 | |
| Myanmar | Kyat | 0.000362 | £5,000.00 | £88.40 | |
| Namibia | Namibian Dollar | 0.042393 | £10,000.00 | £176.80 | |
| Nauru | Australian Dollar | 0.489572 | £30,000.00 | £530.40 | |
| Nepal | Nepalese Rupee | 0.005479 | £5,000.00 | £88.40 | |
| Netherlands | Euro | 0.853461 | £25,000.00 | £442.00 | |
| New Caledonia | CFP Franc | 0.007152 | £25,000.00 | £442.00 | |
| New Zealand | New Zealand Dollar | 0.44342 | £25,000.00 | £442.00 | |
| Nicaragua | Gold Cordoba | 0.020664 | £10,000.00 | £176.80 | |
| Niger | CFA Franc (BCEAO) | 0.001301 | £10,000.00 | £176.80 | |
| Nigeria | Nigerian Naira | 0.000497 | £5,000.00 | £88.40 | |
| Niue | New Zealand Dollar | 0.44342 | £25,000.00 | £442.00 | |
| Norfolk Island | Australian Dollar | 0.489572 | £25,000.00 | £442.00 | |
| Northern Mariana Islands | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Norway | Norwegian Krone | 0.072895 | £25,000.00 | £442.00 | |
| Oman | Rial Omani | 1.974724 | £15,000.00 | £265.20 | |
| Pakistan | Pakistan Rupee | 0.002699 | £5,000.00 | £88.40 | |
| Palau | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Palestine (Occupied Territory) | New Israeli Shekel | 0.218756 | £15,000.00 | £265.20 | |
| Panama | Balboas | 0.760109 | £15,000.00 | £265.20 | |
| Papua New Guinea | Kina | 0.183871 | £20,000.00 | £353.60 | |
| Paraguay | Guarani | 0.0001 | £10,000.00 | £176.80 | |
| Peru | New Sol | 0.211443 | £15,000.00 | £265.20 | |
| Philippines | Philippine Peso | 0.013217 | £10,000.00 | £176.80 | |
| Pitcairn | New Zealand Dollar | 0.44342 | £25,000.00 | £442.00 | |
| Poland | Zloty | 0.201268 | £15,000.00 | £265.20 | |
| Portugal | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Puerto Rico | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Qatar | Qatar Riyal | 0.208816 | £20,000.00 | £353.60 | |
| Reunion | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Romania | Romanian Leu | 0.16971 | £10,000.00 | £176.80 | |
| Russian Federation | Russian Ruble | 0.00896 | £10,000.00 | £176.80 | |
| Rwanda | Rwanda Franc | 0.000533 | £10,000.00 | £176.80 | |
| Saint Helena | Saint Helena Pound | 1 | £25,000.00 | £442.00 | |
| Saint Kitts and Nevis | East Caribbean Dollar | 0.280812 | £20,000.00 | £353.60 | |
| Saint Lucia | East Caribbean Dollar | 0.280812 | £15,000.00 | £265.20 | |
| Saint Martin (French part) | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Saint Pierre and Miquelon | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Saint Vincent and Grenadines | East Caribbean Dollar | 0.280812 | £15,000.00 | £265.20 | |
| Saint-Barthelemy | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Samoa | Tala | 0.27552 | £20,000.00 | £353.60 | |
| San Marino | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Sao Tome and Principe | Dobras | 0.000035 | £15,000.00 | £265.20 | |
| Saudi Arabia | Saudi Riyal | 0.202692 | £15,000.00 | £265.20 | |
| Senegal | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Serbia | Serbian Dinar | 0.007283 | £10,000.00 | £176.80 | |
| Seychelles | Seychelles Rupee | 0.052698 | £15,000.00 | £265.20 | |
| Sierra Leone | Leone | 0.000063 | £5,000.00 | £88.40 | |
| Singapore | Singapore Dollar | 0.580889 | £15,000.00 | £265.20 | |
| Sint Maarten (Dutch part) | Antilles Guilder | 0.437573 | £25,000.00 | £442.00 | |
| Slovakia | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Slovenia | Euro | 0.853461 | £15,000.00 | £265.20 | |
| Solomon Islands | Solomon Islands Dollar | 0.089709 | £20,000.00 | £353.60 | |
| Somalia | Somali Shilling | 0.001332 | £10,000.00 | £176.80 | |
| South Africa | Rand | 0.042393 | £10,000.00 | £176.80 | |
| South Georgia and the South Sandwich Islands | British Pound | 1 | £25,000.00 | £442.00 | |
| South Sudan | Sudanese Pound | 0.001265 | £10,000.00 | £176.80 | |
| Spain | Euro | 0.853461 | £20,000.00 | £353.60 | |
| Sri Lanka | Sri Lankan Rupee | 0.002536 | £10,000.00 | £176.80 | |
| Sudan | Sudanese Pound | 0.001265 | £15,000.00 | £265.20 | |
| Suriname | Surinam Dollar | 0.020442 | £10,000.00 | £176.80 | |
| Svalbard and Jan Mayen Islands | Norwegian Krone | 0.072895 | £25,000.00 | £442.00 | |
| Swaziland | Lilangeni | 0.042393 | £10,000.00 | £176.80 | |
| Sweden | Swedish Krona | 0.076765 | £25,000.00 | £442.00 | |
| Switzerland | Swiss Franc | 0.911079 | £30,000.00 | £530.40 | |
| Syria | Syrian Pound | 0.00399 | £5,000.00 | £88.40 | |
| Taiwan | Taiwan Dollar | 0.02437 | £25,000.00 | £442.00 | |
| Tajikistan | Somoni | 0.12336 | £5,000.00 | £88.40 | |
| Thailand | Thai Baht | 0.02306 | £10,000.00 | £176.80 | |
| Timor-Leste | U.S. Dollar | 0.760109 | £10,000.00 | £176.80 | |
| Togo | CFA Franc (BEAC) | 0.001301 | £10,000.00 | £176.80 | |
| Tokelau | New Zealand Dollar | 0.44342 | £25,000.00 | £442.00 | |
| Tonga | Pa’anga | 0.315746 | £20,000.00 | £353.60 | |
| Trinidad and Tobago | Trinidad & Tobago Dollar | 0.112032 | £15,000.00 | £265.20 | |
| Tunisia | Tunisian Dinar | 0.253197 | £10,000.00 | £176.80 | |
| Turkey | Turkish New Lira | 0.019438 | £10,000.00 | £176.80 | |
| Turkmenistan | Turkmenistan New Manat | 0.217089 | £10,000.00 | £176.80 | |
| Turks and Caicos Islands | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Tuvalu | Australian Dollar | 0.489572 | £30,000.00 | £530.40 | |
| Uganda | Ugandan New Shilling | 0.00021 | £10,000.00 | £176.80 | |
| Ukraine | Hryvnia | 0.018251 | £10,000.00 | £176.80 | |
| United Arab Emirates | U.A.E. Dirham | 0.206966 | £20,000.00 | £353.60 | |
| United Kingdom | British Pound | 1 | £25,000.00 | £442.00 | |
| United republic of Tanzania | Tanzanian Shilling | 0.000297 | £10,000.00 | £176.80 | |
| United States of America | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Uruguay | Uruguayan Peso | 0.018293 | £20,000.00 | £353.60 | |
| Uzbekistan | Uzbekistan Sum | 0.00006 | £10,000.00 | £176.80 | |
| Vanuatu | Vatu | 0.006265 | £25,000.00 | £442.00 | |
| Venezuela | Bolivar Fuerte | 0.002352 | £15,000.00 | £265.20 | |
| Vietnam | Dong | 0.000029 | £10,000.00 | £176.80 | |
| Virgin Islands (British) | U.S. Dollar | 0.760109 | £25,000.00 | £442.00 | |
| Virgin Islands (US) | U.S. Dollar | 0.760109 | £30,000.00 | £530.40 | |
| Wallis and Futuna Islands | CFP Franc | 0.007152 | £10,000.00 | £176.80 | |
| Western Sahara | Moroccan Dirham | 0.080992 | £10,000.00 | £176.80 | |
| Yemen | Yemeni Rial | 0.003121 | £10,000.00 | £176.80 | |
| Zambia | Zambian Kwacha | 0.029697 | £10,000.00 | £176.80 | |
| Zimbabwe | Zimbabwean Gold | 0.028502 | £10,000.00 | £176.80 |