Understand how student loan repayments work in the UK with our comprehensive guides. Learn about repayment thresholds, interest rates, and the differences between Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans. Calculate your monthly repayments and understand how they're automatically deducted from your salary through PAYE. Essential information for graduates managing their finances and planning their career. We explain when repayments start, how much you'll pay based on your income, and what happens if you're self-employed. Discover how student loan repayments interact with other deductions like tax and National Insurance, and learn strategies for managing your loan effectively. Whether you're a recent graduate or have been repaying for years, our guides help you understand your obligations and rights regarding student loan debt in the UK.
Our student loans articles are written by tax experts and updated regularly to reflect the latest HMRC guidance and UK tax law changes. Whether you're looking for basic information or detailed guides on specific topics, you'll find comprehensive, easy-to-understand content that helps you navigate the UK tax system with confidence.
All information is based on official HMRC rates for the current tax year 2025/2026. We explain complex tax concepts in plain English, providing practical examples and actionable advice you can use immediately. Our goal is to help UK taxpayers understand their tax obligations, maximize their allowances, and make informed financial decisions.
Use our free PAYE tax calculator to determine your take-home pay and plan your finances better. Includes all 2025/2026 tax rates, National Insurance contributions, and student loan repayments.
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Complete guide to UK student loan changes 2025-2026. New repayment thresholds, interest rates, and how Plan 1, 2, 4, and 5 loans are calculated with salary examples.