| Plan | Threshold | Monthly | Annual |
|---|---|---|---|
| Plan 1 | £26,900 | £360.75 | £4,329 |
| Plan 2 | £29,385 | £342.11 | £4,105 |
| Plan 4 | £33,795 | £309.04 | £3,708 |
| Plan 5 | £25,000 | £375.00 | £4,500 |
| Postgraduate Loan | £21,000 | £270.00 | £3,240 |
What this means for you
On £75,000, 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 your salary level, you may actually clear your loan before write-off (especially if you have a lower balance and you're on Plan 1, 4, or 5). Use the calculator below with your actual balance to see whether you'll repay in full.