1. Thresholds and monthly/weekly equivalents are rounded to the nearest whole number.

2. If you’re employed in the UK, repayments are automatically deducted from your salary, similar to tax and NI.

3. You only repay on the amount you earn above the threshold.

4. If you have more than one plan (e.g., Plan 2 and a Postgraduate Loan), you calculate repayments for each separately using their thresholds and rates.

5. Most of the time, only one 9% repayment applies if plans share thresholds — but postgraduate loan repayments may add an extra 6% if above that threshold.

6. If deductions were made in-year but your total annual income ends up below the threshold, you can request a refund after the tax year ends.

7. Repayments reduce your loan balance, but interest continues to accrue depending on your plan.

8. Interest rates vary by plan and income — for example, Plan 1 & 4 often use RPI or bank base rate; Plan 2 has a sliding scale.

9. Thresholds are typically updated each April based on inflation. There are proposals for freezes on some thresholds in later years (e.g., Plan 2 freeze from 2027).

10. Plan 5 is a newer plan for students who started after a recent cut-off year and has a lower threshold (£25,000) than Plan 2 — meaning some borrowers start repayments earlier.