What student loan plan am I on?
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.
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. |
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