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Plan 5 Student Loan Repayments 2026/27 (£25,000 Threshold)
On Plan 5 you repay 9% above £25,000: £112 a month on a £40,000 salary. See any salary.
Your loan and pay
Student loan repayment
£74 a month
| Undergraduate plan (9%) | £888 a year |
| Total per year | £888 |
Thresholds 2026/27
| Plan 1 | £26,900 (9%) |
| Plan 2 | £29,385 (9%) |
| Plan 4 (Scotland) | £33,795 (9%) |
| Plan 5 | £25,000 (9%) |
| Postgraduate Loan | £21,000 (6%) |
Repayments come out of your pay through PAYE, worked out each pay period, so a one-off bonus month can mean a bigger deduction. Self-employed people repay through Self Assessment. Interest and write-off dates depend on your plan.
Monthly figures use the PAYE method (whole pounds). Thresholds last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: GOV.UK
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Repayments at different salaries
On this plan you repay 9% of everything you earn above £25,000 a year. On a £40,000 salary that is £112 a month, or £1,344 a year. If your pay drops below the threshold, repayments stop automatically.
| Yearly salary | Per month | Per year |
|---|---|---|
| £25,000 | £0 | £0 |
| £30,000 | £37 | £444 |
| £35,000 | £74 | £888 |
| £40,000 | £112 | £1,344 |
| £45,000 | £149 | £1,788 |
| £50,000 | £187 | £2,244 |
| £60,000 | £262 | £3,144 |
| £70,000 | £337 | £4,044 |
| £80,000 | £412 | £4,944 |
9% of pay above £25,000 a year (£2,083 a month), worked out each payday through PAYE.
Questions people ask
How much student loan do I repay?+
9% of your income above your plan's threshold (6% above £21,000 for a Postgraduate Loan). For 2026/27 the thresholds are £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) and £25,000 (Plan 5).
Which plan am I on?+
Plan 1: started in England or Wales before September 2012, or in Northern Ireland. Plan 2: England or Wales between September 2012 and July 2023. Plan 4: Scotland. Plan 5: England from August 2023.
Do I repay if I earn less than the threshold?+
No. Nothing is taken in months when your pay is under the monthly threshold.