Getting a refund

You can ask for a refund if:

  • you’ve paid more than your outstanding student loan balance
  • your annual income was below the threshold
  • you’ve made repayments before you needed to

You cannot get a refund for voluntary repayments.

If you’ve paid more than your outstanding balance

Ask for a refund if you think you’ve repaid your student loan in full but your employer is still making deductions from your salary.

The Student Loans Company (SLC) will ask HM Revenue and Customs to tell your employer. It can take around 4 weeks for salary deductions to stop.

If your annual income was below the threshold

You can ask for a refund if you made repayments but your income over the whole tax year (6 April to 5 April the following year) was less than:

  • £18,935 a year for Plan 1
  • £25,725 a year for Plan 2
  • £21,000 a year for Postgraduate Loan

If your annual salary is less than this, your employer may still deduct repayments - for example if you get paid a bonus or overtime.

If you’re repaying both a Plan 1 and a Plan 2 loan, you can only get a refund if your income was less than £18,935.

If you started repaying before you needed to

If a deduction is taken from your salary before you’re due to start repaying, you can ask for a refund.

How to ask for a refund

Call SLC with your customer reference number.

The Student Loans Company

Telephone: 0300 100 0611 (England, Northern Ireland or Scotland)
Telephone: +44 (0)141 243 3660 (outside the UK)
Monday to Friday, 8am to 8pm
Saturday, 9am to 4pm

Telephone: 0300 100 0370 (Wales)
Monday to Friday, 8am to 6pm

Find out about call charges

You can also ask in writing.

The Student Loans Company
100 Bothwell Street
Glasgow
G2 7JD