UK Student Loans</titl <meta name="keywords" content="UK, Student Loan, Plan 2, Plan 5, Interest, Threshold, Graduate tax, T&C, Pay back loan"> <meta name="description" content="All you need to know about UK Student Loans"> <meta name="author" content="Tony O'Brien"> <meta name="copyright" content="© Tony O'Brien"> <meta name="date" content="2026-05-18T23:17:51+01:00"> <script type="text/javascript"> var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-24205541-1']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 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background-color:#f5f968; border: 12px solid #9393c6;overflow:hidden;padding:0px -11px 0px 12px;"> <p class="Body-P"><span class="Body-C-C0"> </span></p> <p class="Body-P"><span class="Body-C-C0"> </span><span class="Body-C-C2">Watch a comprehensive series of video essays for all the detail :-<wbr></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://youtu.be/3ezly2XuCC8" target="_blank" style="text-decoration:underline;">Student Loan Farce (part 1) </a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C1"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://youtu.be/GZXt-4ZRGMs7" target="_blank" style="text-decoration:underline;">Student Loan Farce (part 2) </a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C2"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://youtu.be/mbITVo7BmXk" target="_blank" style="text-decoration:underline;">Student Loan Farce (part 3)</a><a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;"> </a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C2"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C3">Or watch the 30 minute trailer video</span></p> <p class="Wp-Normal-P"><span class="Normal-C-C4"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://youtu.be/aS4DFVC7NNk" target="_blank" style="text-decoration:underline;">Student Loan Trailer </a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> </div> <div id="txt_82" style="position:absolute;left:33px;top:308px;width:630px;height:169px;overflow:hidden;"> <p class="Body-P"><span class="Body-C-C1"><br></span></p> </div> <div id="txt_206" style="position:absolute;left:9px;top:245px;width:1133px;height:384px; background-color:#f0fc7e; border: 12px solid #9393c6;overflow:hidden;"> <p class="Body-P"><span class="Body-C-C0"> </span></p> <p class="Body-P"><span class="Body-C-C0"> </span><span class="Body-C-C2"> Here you will discover some surprising facts and answers to questions you may have about UK Student loans.</span></p> <p class="Wp-Normal-P"><span class="Normal-C-C3"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C3"> </span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="toxic_loans.html" style="text-decoration:underline;">Can the terms of my student loan change during its lifetime?</a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="thresholds.html" style="text-decoration:underline;">How does freezing thresholds affect the amount I pay back?</a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="interest.html" style="text-decoration:underline;">What does the interest accruing on my debt mean for me?</a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C6"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;">Are there better systems than student loans?</a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;"><br></a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;">Should I pay off my debt?</a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C1"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C2"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C7"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> </div> <img src="_wp_generated/wpc1ed725c_05_06.jpg" width="225" height="225" border="0" id="pic_5" alt="" style="position:absolute;left:909px;top:334px;"> <div id="txt_207" style="position:absolute;left:251px;top:690px;width:1079px;height:366px; background-color:#f5f968; border: 12px solid #9393c6;overflow:hidden;padding:0px -11px 0px 12px;"> <p class="Body-P"><span class="Body-C-C0"> </span></p> <p class="Body-P"><span class="Body-C-C0"> </span><span class="Body-C-C2">Want to know how your future repayments would change with different policies or schemes?</span></p> <ul class="Normal-P-P1"> <li class="Normal-P-P2"><span class="Normal-C-C3"> Plan 2 (2012-<wbr>23)</span></li><li class="Normal-P-P2"><span class="Normal-C-C3"> Plan 5 (2023+)</span></li><li class="Normal-P-P2"><span class="Normal-C-C3"> Reform party plans</span></li><li class="Normal-P-P2"><span class="Normal-C-C3"> Graduate tax on 2012+ cohorts</span></li><li class="Normal-P-P2"><span class="Normal-C-C3"> All age graduate tax</span></li></ul> <p class="Wp-Normal-P"><span class="Normal-C-C0"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C8">First watch the</span><span class="Normal-C-C0"> <a href="https://youtu.be/8C2nie8x-n0" target="_blank" style="text-decoration:underline;">“How to use” video</a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C3">Then use the Google sheet:-<wbr></span><span class="Normal-C-C0"> <a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;">Compare how different schemes and policies affect YOUR future income </a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C1"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C2"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C7"><br></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> </div> <div id="txt_227" style="position:absolute;left:216px;top:1595px;width:1133px;height:42px; background-color:#f5f968; border: 12px solid #9393c6;overflow:hidden;padding:0px -11px 0px 12px;"> <p class="Body-P"><span class="Body-C-C2">Visit the <a href="resources.html" style="text-decoration:underline;">Resources page</a> to access a growing set of resources helping you better understand UK student loans</span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="alternatives.html" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C4"><a href="https://youtu.be/aS4DFVC7NNk" target="_blank" style="text-decoration:underline;"><br></a></span></p> <p class="Normal-P-P0"><span class="Normal-C-C0"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C0"><a href="https://docs.google.com/spreadsheets/d/1TL7olYM57m0OWDJCFTTQlDqqY77qC6SfpQCOWVUsX4Y/" target="_blank" style="text-decoration:underline;"><br></a></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> <p class="Wp-Normal-P"><span class="Normal-C-C5"><br></span></p> </div> <table id="nav_1_1M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_2M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_3M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_4M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_5M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_6M" style="visibility:hidden;"><tbody> </tbody></table> <table id="nav_1_7M" style="visibility:hidden;"><tbody> </tbody></table><script type="text/javascript" src="_wp_scripts/jsMenu.js"></script> <script type="text/javascript"> wpmenustack.setRollovers([['nav_1_1','nav_1_1M',{"m_vertical":true}],['nav_1_2','nav_1_2M',{"m_vertical":true}],['nav_1_3','nav_1_3M',{"m_vertical":true}],['nav_1_4','nav_1_4M',{"m_vertical":true}],['nav_1_5','nav_1_5M',{"m_vertical":true}],['nav_1_6','nav_1_6M',{"m_vertical":true}],['nav_1_7','nav_1_7M',{"m_vertical":true}]]); 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