| Plan | Threshold | Monthly | Annual |
|---|---|---|---|
| Plan 1 | £26,900 | £23.25 | £279 |
| Plan 2 | £29,385 | £4.61 | £55 |
| Plan 4 | £33,795 | £0 (below threshold) | — |
| Plan 5 | £25,000 | £37.50 | £450 |
| Postgraduate Loan | £21,000 | £45.00 | £540 |
What this means for you
On £30,000, your monthly repayment depends entirely on which plan you're on. Plan 4 (Scotland) and Plan 1 (oldest plan) have the highest thresholds, so you'll pay the least there. Plan 5 (newest plan) has the lowest undergraduate threshold at £25,000.
Remember: these monthly amounts are deducted automatically through PAYE alongside your tax and National Insurance. You don't need to do anything — your employer handles it once HMRC tells them which plan you're on.
At this salary, your repayments are quite modest. If you're on Plan 2, you're very unlikely to repay in full before the 30-year write-off, which means voluntary overpayments would generally be money handed back to the government.