UK student-loan repayment streams
Estimate an undergraduate-plan stream and, where applicable, a separate postgraduate stream using your confirmed thresholds.
Your inputs
Start with the example values, then replace them with your own. For tables, keep the vertical bar separators and use a dot for decimals.
Illustrative inputs are not certified current rates or an entitlement decision. Confirm the country, year, eligibility and contract. This limited model is not a tax return, payroll service or financial/legal advice. Do not act on it without verifying the applicable rules.
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Result and workspace
Use the start button to open your result or activity.
How it works
For each entered stream, repayment = rate × max(0, income − threshold). Add only streams that are actually collected independently. Do not enter multiple undergraduate plans as independent simultaneous deductions; payroll coordination, monthly rounding, balances and overseas thresholds are not modeled.
Worked example
These sample results use the original example inputs in the form. They do not change when you edit your inputs; your own result appears in the workspace.
- Total modeled annual repayment: 2040
| Loan stream | Annual repayment |
|---|---|
| Undergraduate plan | 900 |
| Postgraduate loan | 1140 |
Read the result carefully
Results depend on the values and assumptions shown above. Change one input at a time to see its effect. A blank or unavailable result means the data does not support a calculation; it is not zero.