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What student loan plan am I on?

Amy Roberts | Edited by Ben Slater

Updated 17 September 2024

Knowing which student loan plan you're on is crucial as it affects how much interest you're charged, how much you repay and when your loan's wiped. And which system you're on depends on when you started uni, as well as where you're from originally. The table below helps you find your system and links to our dedicated guides for each.

What student loan plan are you on?

TABLE_CELL_STYLE	You're from England	You're from Northern Ireland	You're from Scotland	You're from Wales
You started uni pre-1998	You've an old 'mortgage-style' loan. See Student loan repayment.
You started uni between 1998 - 2011	You've a 'Plan 1' loan. See Plan 1 repayment.	You've a 'Plan 1' loan. See Student loans Northern Ireland.	You've a 'Plan 4' loan. See See Student loans Scotland.	You've a 'Plan 1' loan. See Plan 1 repayment.
You started uni between 2012 - 2022	You've a 'Plan 2' loan. See Plan 2 mythbuster.	You've a 'Plan 1' loan. See Student loans Northern Ireland.	You've a 'Plan 4' loan. See Student loans Scotland.	You've a 'Plan 2' loan. See Plan 2 mythbuster.
You're starting uni from 2023	You'll have a new 'Plan 5' loan. See Plan 5 student loans.	You'll have 'Plan 1' loan. See Student loans Northern Ireland.	You'll have a 'Plan 4' loan. See Student loans Scotland.	You'll have a 'Plan 2' loan. See Plan 2 mythbuster.
You're a master's / postgraduate student	You've a 'Postgraduate loan'. See Postgrad student loans.	You've a 'Plan 1' loan. See Student loans Northern Ireland.	You've a 'Plan 4' loan. See Student loans Scotland.	You've a 'Postgraduate loan'. See Postgrad student loans.