Student loans · 2026/27 thresholds
Student loan repayments on £26,000
On Plan 2, that is £0 a month. Every plan compared below.
| Plan | Monthly | Annual | Threshold |
|---|---|---|---|
| Plan 1 | £0 | £0 | £26,900 |
| Plan 2 | £0 | £0 | £29,385 |
| Plan 4 (Scotland) | £0 | £0 | £33,795 |
| Plan 5 | £8 | £90 | £25,000 |
| Postgraduate Loan | £25 | £300 | £21,000 |
Repayments are 9% of income above the threshold (6% postgraduate). A postgraduate loan stacks on top of a main plan.
Add a postgraduate loan on top, see write-off dates, or check the marginal cost of a pay rise:
Open the student loan calculatorCommon questions
- How much student loan do I repay on £26,000?
- It depends on your plan. On £26,000: Plan 1 nothing (threshold £26,900), Plan 2 nothing (threshold £29,385), Plan 4 (Scotland) nothing (threshold £33,795), Plan 5 £8 a month, Postgraduate Loan £25 a month. Repayments come out of your payslip automatically.
- Which plan am I on?
- Broadly: Plan 1 if you started before 2012 (England/Wales), Plan 2 for 2012 to 2022 starters in England and Wales, Plan 4 if you studied in Scotland, Plan 5 for English students starting from August 2023, and the Postgraduate Loan for master's or doctoral loans. Check your online student loan account if unsure.
- Why does my payslip show a different amount?
- Payroll applies the threshold per pay period, so months with bonuses or overtime repay more. The figures here assume £26,000 spread evenly across the year with no other income.
- Do repayments clear the loan?
- Only if the balance runs out before write-off: 30 years after the April you were first due to repay for Plan 2. Many people never clear it, which is why it behaves more like a payroll tax than a debt.
Nearby salaries
Wondering what the salary itself pays after tax? See £26,000 after tax.