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Would you pay off your student loan if you were in my position?
I am fortunate enough to have parents who have had a bit of a windfall recently and have offered to use some of it to help me out financially with something. They asked me what I would benefit from the most - I already have a house and am not planning to get married anytime soon, so the first thing that came to my mind was…
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Ambiguity in repayment rules for borrowers with both Plan 2 and Plan 5 student loans
I’m want to highlight what appears to be ambiguity in official guidance regarding student loan repayments for borrowers who hold both Plan 2 and Plan 5 loans. Government guidance states that borrowers with multiple plan types repay 9% of income above the lowest threshold, but it is unclear how repayments are allocated…
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Student Loans: Household income, SIPP contributions, and CYI = Madness...
Our daughter started university this year, and only received about half the maintenance loan, based on our household income from two years ago (23/24 tax year). If household income drops by at least 15%, then you can request that the loan level be re-evaluated based on the current year's income, using a 'CYI' (Current Year…
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How do you stay productive during long study sessions?
Hi! Sometimes I lose focus quickly when studying. Do you have any simple techniques that help you stay concentrated for longer? Pomodoro, apps, routines — anything is helpful.
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Where do you find the best deals for electronics in the UK?
Hello! I’m looking for a laptop and noticed big price differences online. Which websites usually offer the best deals for tech products?
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Your best budget travel hacks as a student?
Hello! I’m trying to plan a few low-budget trips and would love to learn from others. What are your top money-saving travel hacks as a student? Anything from accommodation to transport to food is helpful!
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Repayment Threshold 2026/27
With RPI for March in at 3.2%, from 6 April 2026 the repayment threshold for • plan 1 loans will rise to £26,900 (26,065 x 1.032 rounded up) • plan 2 loans will rise to £29,385 (28,470 x 1.032 rounded up) • plan 4 loans will rise to £33,795 (32,745 x 1.032 rounded up). The postgraduate (plan 3) threshold remains frozen at…
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Employer won't make deduction
Hello. I started a new job, and I told my employer that I have a plan 1 student loan, they said they need SLC to instruct them. On my online account I found a letter that said roughly....I am now due to make repayments for Plan 1 student loan please pass this onto my employer. They still refused this and said it needs to…
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Plan 1 student loan - should I overpay?
Hi, I would appreciate help with my plan 1 student loan please, taken out in 2003. Current balance = £16760 Annual repayment from salary = £1194 But taking away the interest accrued each year I'm actually only paying off £346/year. Based on salary and payments saying the same, it would take me 48 years to pay off my loan,…
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Plan 2 AND Plan 5 loans (Current PGCE students) - repayment rules costing £10,000s?
Hi all. Bit of a niche one this, but bear with me! Will affect most PGCE students who have done an undergrad degree followed by a PGCE that commenced: last year (Sep 23) this year (Sep 24) next year (Sep 25) These students will have had a 'Plan 2' student loan for the Undergrad course, and 'Plan 5' student loan for the…
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Tuition Fee Debt Collection
A few years ago I was forced to repeat a university year due to personal reasons. I had previously completed a foundation degree at a different university (in the same course) but was forced to start year 1 elsewhere as the first university cancelled the course. Unbeknownst to me, due to my “previous study” I did not have…
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15 year old Student Loan in Scotland...has it disappeared...?
Hello there everyone, have come across these forums before and they seem to be very knowledgeable. Does anyone have advice, or could signpost the way to get some in relation to this? 2005-2009 I was at a Scottish university, as someone from Scotland/UK national, and through SAAS was given the Student Loan Company loans (I…
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Student loan for studying abroad
Hi. My daughter is hoping to do her 3rd year of undergrad in Canada. It looks like she will have to take out a loan to prove she has sufficient funds. She currently studies in Glasgow. Do UK banks offer this ? Can she access student loans?
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Student loan repayment
I applied for a student loan they said I get 131 for the last tax year, but I think I’m owed more due to my wages changes within the year and how much I paid to my under grad and post grad loan. But I’m also not sure if I can apply for a repayment for previous years and how to go about this?
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NHS LSF
Hi, My daughter is English (Scottish mother, English father) she is studying Nursing in Glasgow, she has been awarded just over £5000 Maintenance loan and we have filled out the relevant forms for it to be reconsidered. I found out that she might be able to apply for the NHS LSF, however because she is English and studying…
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Is spouse responsible for my student loan repayments
Hi, I took out a student loan in 1998 (plan 1) and had repayments taken out whilst I was in PAYE. After a couple of years I went self employed and never met the threshold for repayments and never heard anything from SLC. In 2015 I moved to Canada and then got married in 2017. Whilst I am technically self employed here in…
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SLC overpayment refund - THEY DONT GIVE IT BACK TO YOU, JUST ADD TO BALANCE
So I read Martins post and other people getting refunded for overpayment. GREAT I thought! However, I called them and even though theY confirmed that I have overpaid by £1700 they WONT refund me, just add it back to the remaining balance of the loan. All this does is increase what I need to pay back, and in my situation I…
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Student loan repayments Scotland
Does anyone understand student loan repayments, specifically for Plan 4- Scotland. I think I may be due a repayment for a few years ago and the year before that but student loan person says no. I am a bit of a unique position (surely i am not the only one) I had a PAYE job in 2021/22 and 2022/23 In both these years I…
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Student Finance Appeal for Second HND – Cybersecurity vs Songwriting
Hi everyone, I’m hoping to get advice or hear from others who’ve been through a similar situation.…
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Students studying NHS degree - England or Wales?
Hi, my daughter is going to start a nursing degree next year. Because it's NHS, she could study at an england uni and get £5k per year towards her maintenance expenses. OR go to study in Wales and get her tuition fees paid if she then works in a welsh hospital for a set period once she graduates. i believe the payback…
