Which repayment plan you're on

When you start repaying your loan and how much you repay depends on your repayment plan.

There are 4 plans:

  • Plan 1
  • Plan 2
  • Plan 4
  • Postgraduate Loan

You cannot choose the repayment plan you’re on. If you have more than one loan, they could be on different plans.

Plan 1

You’re on Plan 1 if you’re:

  • an English or Welsh student who started an undergraduate course anywhere in the UK before 1 September 2012
  • a Northern Irish student who started an undergraduate or postgraduate course anywhere in the UK on or after 1 September 1998
  • an EU student who started an undergraduate course in England or Wales on or after 1 September 1998, but before 1 September 2012
  • an EU student who started an undergraduate or postgraduate course in Northern Ireland on or after 1 September 1998

Plan 2

You’re on Plan 2 if you’re:

  • an English or Welsh student who started an undergraduate course anywhere in the UK on or after 1 September 2012
  • an EU student who started an undergraduate course in England or Wales on or after 1 September 2012
  • someone who took out an Advanced Learner Loan on or after 1 August 2013

Plan 4

You’re on Plan 4 if you’re:

  • a Scottish student who started an undergraduate or postgraduate course anywhere in the UK on or after 1 September 1998
  • an EU student who started an undergraduate or postgraduate course in Scotland on or after 1 September 1998

Postgraduate Loan

You’re on a Postgraduate Loan repayment plan if you’re:

  • an English or Welsh student who took out a Postgraduate Master’s Loan on or after 1 August 2016
  • an English or Welsh student who took out a Postgraduate Doctoral Loan on or after 1 August 2018
  • an EU student who started a postgraduate course on or after 1 August 2016