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    Student loan repayment thresholds

    Repayments only start above an income threshold that depends on your loan plan.

    By the Happy Wallets team·Updated June 2026·3 min read

    How thresholds work

    Each student loan plan has its own income threshold and repayment rate. You repay a percentage of what you earn above the threshold, collected through payroll or Self Assessment.

    Frequently asked questions

    Where can I check my plan and threshold?+
    The current figures change each year — check the latest thresholds on GOV.UK for your specific plan.
    Accounts are coming soon — the site is in build