Student Loan Repayment Explained
When do student loan repayments start in the UK? Understand the 2026 repayment thresholds for Plan 2 and Plan 5, monthly deductions, and what happens if you never earn enough.
Jamie studied Economics at the University of Leeds and spent two years working in student financial guidance before joining UniSorted.uk as Finance Editor. He writes about student loans, budgeting, banking, insurance, and graduate money management. Jamie went through the student overdraft cycle himself and now helps others avoid the same mistakes. When he is not comparing bank accounts, he is probably hunting for discount codes. Contact: jamie@unisorted.co.uk
When do student loan repayments start in the UK? Understand the 2026 repayment thresholds for Plan 2 and Plan 5, monthly deductions, and what happens if you never earn enough.
Use our Maintenance Loan Calculator to estimate your 2026/27 student finance. Understand how household income impacts your loan amount and key application dates.
Discover the essential criteria for Student Finance eligibility in 2026/27, covering residency, nationality, and course requirements. Learn how tuition and maintenance loans work, including repayment thresholds and funding limits.
Compare the best UK student bank accounts for 2026. We rank 0% overdraft limits, cash incentives, and sign-up bonuses from Santander, Nationwide, HSBC, NatWest and Barclays.



