UK Student Loan Repayment Calculator

You'd repay about £61,182 in total, and around £140,323 would be written off. Because repayments depend on income, not the balance, many graduates never repay the full amount — for them, overpaying doesn't save money.

Repayments are 9% of income above the threshold (2026/27). Write-off periods shown are the standard terms for each plan (Plan 1 applies to loans taken from 2006; older loans differ). Projection holds thresholds and your interest rate fixed, which they won't be in reality.