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What student loan plan am I on?

Amy Roberts
Amy Roberts | Edited by Ben Slater
Updated 12 September 2023

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. Which system you're on depends on when you started uni, as well as where you're originally from. 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 Student loan repayment.

You've a 'Plan 1' loan. See Student loan repayment.

You've a 'Plan 4' loan. See Student loan repayment.

You've a 'Plan 1' loan. See Student loan repayment.
You started uni between 2012 - 2022 You've a 'Plan 2' loan. See Should I panic or pay it off? You've a 'Plan 1' loan. See Student loan repayment. You've a 'Plan 4' loan. See Student loan repayment. You've a 'Plan 2' loan. See Should I panic or pay it off?
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 Plan 1 mythbuster.

 You'll have a 'Plan 4' loan. See Plan 4 mythbuster. 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 loan repayment. You've a 'Plan 4' loan. See Student loan repayment. You've a 'Postgraduate loan'. See postgrad student loans.

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