1. Overview

You need to pay back Tuition Fee Loans and Maintenance Loans, but not other student finance, for example grants and bursaries. You still have to repay your student loan if you leave your course early.

A different repayment plan applies to Postgraduate Loans.

When you start repaying your loan and how much you pay depend on which repayment plan you’re on.

Plan 1

You’re on Plan 1 if you’re:

  • an English or Welsh student who started your undergraduate course before 1 September 2012
  • a Scottish or Northern Irish student

You start repaying when your income is more than £17,775. This amount changes on 6 April every year.

Plan 2

You’re on Plan 2 if you’re an English or Welsh student who started your undergraduate course on or after 1 September 2012.

You start repaying when your income is more than £21,000.

How to repay

How you repay your loan depends on whether you’re employed or self-employed.

Keep your payslips and P60 for your records - you’ll need them if you want to get a refund.