Plan 5 Student Loans: £25,000 Threshold & Repayment Rules

This page explains Plan 5 student loans for English undergraduates who started courses on or after 1 August 2023, covering the £25,000 repayment threshold, 9% repayment rate above it, RPI-only interest of 4.1%, and write-off after 40 years. People land on it to check what they will repay, which plan they are on, and how Plan 5 differs from Plan 2 and other UK plans.

Recent and current English university students and graduates in the UK, plus parents, looking up repayment rules and payslip deductions.

A mention would suit UK personal finance brands aimed at young graduates, such as budgeting apps, savings or current accounts, salary or payslip tools, or money-guidance services. It would read most naturally near the threshold and monthly repayment figures or in the section on borrowers just starting to see deductions, and would suit less well for products unrelated to graduate money management.

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