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What student loan plan am I on?

Amy Roberts
Amy Roberts
Senior Money Writer
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.

If you started university pre-1998, it's simple wherever you are from. You've an old 'mortgage-style' loan. See Student loan repayment for more.

For those who started university from 1998, it differs depending on if you are from England, Northern Ireland, Scotland, or Wales. The table below helps you find your system and links to our dedicated guides for each.

What student loan plan are you on?

You're from England

You're from Northern Ireland

You're from Scotland

You're from Wales

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.