When your student loan gets written off or cancelled

When your student loan gets written off depends on which repayment plan you’re on.

If you’re a full time student from Wales, you may be able to get £1,500 of your Maintenance Loan written off.

When Plan 1 loans get written off

When your Plan 1 loan gets written off depends on:

  • where you’re from
  • when you took out the loan

When Plan 1 loans get written off for students from England, Northern Ireland and Wales

Academic year you took out the loan When the loan’s written off
2005 to 2006, or earlier When you’re 65
2006 to 2007, or later 25 years after the April you were first due to repay

If you’re a full time student from Wales, you may be able to get £1,500 of your Maintenance Loan written off.

When Plan 1 loans get written off for students from Scotland

Academic year you took out the loan When the loan’s written off
2006 to 2007, or earlier When you’re 65, or 30 years after the April you were first due to repay - whichever comes first
2007 to 2008, or later 30 years after the April you were first due to repay

When Plan 1 loans get written off for postgraduate students from Scotland and Northern Ireland

Master’s Loans and Doctoral Loans are written off 30 years after the April you were first due to repay.

When Plan 2 loans get written off

Plan 2 loans are written off 30 years after the April you were first due to repay.

When Postgraduate Loans get written off

Master’s Loans and Doctoral Loans are written off 30 years after the April you were first due to repay.

If someone with a student loan dies

The Student Loans Company (SLC) will cancel the person’s student loan.

You need to let SLC know that the person has died and provide evidence (for example an original death certificate), as well as the person’s Customer Reference Number.

If you can no longer work because of illness or disability

SLC may be able to cancel your loan if you claim certain disability benefits. You’ll need to provide evidence (for example a letter from the benefits agency) and your Customer Reference Number.