Enter when you started your course, your maintenance loan, and your salary at however many points in your career you like — optionally add a postgraduate Master's loan too — and this works out your repayment plan(s), how much you'll pay each month, and roughly when — or whether — you'll clear your loan before it's written off.
We assume your salary moves in a straight line between the points you add, and stays flat before the first one and after the last one.
Save your current inputs as a scenario, change them, and save again — saved scenarios sit side by side below and are overlaid on one chart. Click a scenario to load it back into the form above and edit it.
Loan balance or cumulative repaid (whichever's selected above) for each saved scenario, overlaid on one chart. Hover for details.
This models the standard England undergraduate rules (Plan 1 / Plan 2 / Plan 5, picked automatically from your course start date), plus a Postgraduate Master's Loan if you add one (6% of income above £21,000/yr, written off after 30 years, repaid alongside your undergraduate loan). Your income is assumed to move in a straight line between the salary data points you enter, staying flat before the first one and after the last one. The tuition fee loan defaults to the actual historical England fee cap for your start year × course length — see Assumptions below to override it or the interest rate. If you include a Master's, we assume you start it straight after your undergraduate course, with both loans becoming repayable together the April after you finish studying. Scotland, Wales, and Northern Ireland use different plans and thresholds. This is an estimate for general guidance only — not financial advice.
| Year | Salary | Interest accrued | Repaid | Balance |
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