Student Loan Plan 4: £33,795 Threshold & Rules (Scotland)

This page explains Student Loan Plan 4 for Scottish (SAAS-funded) borrowers, covering the 2026-27 repayment threshold of £33,795, the 9% repayment rate above it, the interest basis (lower of RPI or base rate plus 1%) and the 30-year write-off. It also explains who is on Plan 4 and points to related pages on SAAS repayment and checking which plan you are on, so people land on it to confirm their repayment rules.

UK borrowers, mainly Scottish-funded graduates and some rUK or EU students who studied in Scotland, looking to understand how much they repay and when the loan is written off.

A mention would suit UK personal finance brands such as budgeting apps, salary or payslip tools, mortgage brokers or savings and money-management services aimed at graduates. It would read most naturally near the threshold and repayment explanation or alongside the worked examples, where readers are thinking about take-home pay and their wider finances; the content shown is partial, so fit beyond that is uncertain and brands unrelated to personal finance would fit poorly.

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