Understanding the 2025/26 changes to UK student loan repayment thresholds.

Starting from April 2025, adjustments have been made to the income thresholds for student loan repayments in the UK. These changes affect borrowers under Plans 1, 2, and 4, with the aim of providing financial relief to many graduates.

New repayment thresholds for 2025/26

The UK government has announced the following annual income thresholds for student loan repayments:

• Plan 1: £26,065 (up from £24,990)

• Plan 2: £28,470 (up from £27,295)

• Plan 4: £32,745 (up from £31,395)

• Postgraduate: £21,000 (no change)

  
  

These thresholds represent the income levels above which borrowers are required to make repayments. The repayment rate remains at 9% for Plans 1, 2, and 4, and 6% for Postgraduate loans.

What should you do?

• Review your repayment plan - Ensure you're on the correct repayment plan to avoid overpayments.
  

• Check your income - determine if your income falls below the new thresholds to understand your repayment obligations.rting graduates and easing the financial pressures associated with student loan repayments.

*This blog is intended for informational purposes only and should not be taken as financial advice. While every effort has been made to ensure the accuracy of the information provided, student finance policies are subject to change. Please refer to official sources such as the UK Government or Student Loans Company for the most up-to-date and personalised advice regarding your student loan repayments.