Enter your salary, when you started your course, and your maintenance loan — 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.
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). 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 growth/interest rates. 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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