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Guide discussion: Student Loans in Scotland
This is the place to discuss our guide on 'Student Loans: Scotland'. We'd love to hear your thoughts, personal experiences, and general feedback. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.'
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Student loan repayments almost doubled despite no change in income
My overseas student loan repayments have just been recalculated from £57 to £99, when I was actually expecting them to go down slightly since my annual income dropped by a few hundred pounds. I phoned SLC and they told me they had looked at the Spanish tax return I submitted and had approx. £34k down in their system as my…
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Student loan query
Hi, help needed! Today I received an email from student loans asking me to contact them about my loan. I was confused as I paid this off years ago. I duly phoned and was advised an ex employer had contacted HMRC in October 2024 to tell them they had submitted the wrong deductions from me in tax year 2012-2013 with a…
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Section 6 of the PFF2 student finance form 25/26
Hello all, I am new to this forum, and I have a question regarding the PFF2 student finance application form 25/26 that I was hoping to get some help with. My daughter is applying for student finance, and myself and my husband (her Step-Father) are supporting her. I am struggling with the question in section 6 of the form:…
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Parent supporting application Junior Sipp question
As a parent I have to do a supporting application for my child for the student loan. One of the questions is something like "Do you contribute to any pension that isn't your workplace pension". I contribute to my kids junior SIPP but it wasn't clear if that was relevant or not. I added the amount of my contributions. Now…
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student loan advice
Good morning, I'm hoping that someone may be able to advise please... My daughter is in her second year of uni and unable to apply for student loans as she is studying at home - the latter due to anxiety issues. I am a single mum, my job was recently made redundant, I am on benefits and struggling to make ends meet and my…
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Student Loans for UK citizens who have been out of the country for the last 5yrs
Hi - I wondered if anyone had any information regarding student loans qualifications. Our eldest has just started Uni in the UK (undergraduate) and we have been looking into whether he can apply for a maintenance loan. We have been living abroad for the last 5yrs and therefore doesn't qualify for a Loan for Uni fees but…
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How is pension income treated when repaying a student loan.
I'm considering a part time OU degree, and thinking of applying for a student loan to cover tuition fees. I shall be in receipt of pension income (not earnings) when repayment of the Student Loan starts. My understanding is: 1) The student loan repayment will start 4 years after I first enrol on the course; 2) Repayments…
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Student Loan SFE - Help
Hello Everyone, Need some advice on my current SFE scenario. • I was studying with OU on a Part-time tuition fee loan , started Feb 25 and Have withdrawn Mar 25 - OU advised me to do this for the reasons below. • I have been advised that the £909 That has been paid to the OU is still what im liable for which I Understand,…
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Student Loan Company Cancelled my Refund - help!
Wondered if anyone had any advice on how to solve this issue, I thought I would check to see if I was due a Student Loan refund as I could see others claiming. I filled in the form and received an email saying that I was successful and that I had to make sure that I understood what would happen with my loan following the…
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Student Loan - Plan 2 and Plan 5 Repayment
Hi all, Recent sport & exercise science graduate here...and have just begun my MSc (pre-reg) Physiotherapy, a further 2 year course. I took out a Plan 2 loan for my undergrad, and have now took out a further loan to cover my Masters tuition fees. I was under the impression that my masters 'debt' would merge into my…
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9% Overall Threshold
If I have paid over the 9% Threshold in a specific year. Can I then claim the difference back?
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Ede & Ravenscroft Graduation photos con - how to avoid!
As a warning to others I thought I'd post my appalling experience of Ede and Ravenscroft and point out the alternatives so others aren't misled. Their website is deliberately vague and others have posted about how misleading the product descriptions for graduation photos are. Unfortunately they have the monopoly on these…
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When The Student Loan is Wiped
When is the Student Loan Wiped. Have a few questions around this. So does the Student Loan get viewed as a whole course over two or three years or is it per payment year. For example I did a course for 2 years 2004 - 2006. So thresholds are split. So will year 2004/2005 be wiped at 65 years old. Then year 2005/2006 be…
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Sole trader wanting to pay off student loan - tax implications
I am struggling to find the answer to this online - there seems to be mixed messages. I have never earnt enough to pay off any of my student loan so I am unsure how this works. I was wondering whether if I paid off a lump sum would it reduce my taxable income? So say I earnt 40k before tax and paid 10k off on my student…
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Repayment of Old Student Loan 1997 Advice
Looking for some help with student loans taken out in 1995. Both myself and my partner have messed up and were in arrears with our loan account when we passed the thirty years/turned 50. As a result the loans have not been written off. Anything we can do? Neither of us earn over the threshold to have been repaying the…
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Student Loan calculations not annualised or eligble for refund?
Hi all, I am plan 2 and over the past few years I have been just above the 27k payment threshold. As far as I can tell, student loan repayments are calculated on a month to month basis. This has meant that in my early career, when I was under the limit for 11 out of 12 months, but then got made redundant and received extra…
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Plan 1 & 2 Student Loan repayments
Hi, In summary, I went to university and flunked out after two years. This was back in the day, and I'm paying for this through a Plan 1 repayment. (around £7k left) I later grew up and went back to university and finished, this time! So I'm now also paying for a Plan 2 repayment. (around £44k left) I'm not sure if I…
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Student Loan repayments as a Part Time student
Hi, I'm looking for some clarity as I can't find any info on the main site and some advice if anyone can offer it to me. Since 2018 I've been working and studying part time as I look to change careers. I took student loan out as there is no way that I could afford to pay tuition fees. Originally I was due to graduate last…
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Stoozing with Student Loan Repayments
Hear me out... I currently pay my student loan back at ~£300/month. As we know, this is duplicitously calculated on pre-tax income, but deducted after tax. So, if I were to cancel PAYE repayments to SLC, I would have the full £300 in my bank account at the end of the month. Lucky me! Now SLC are a finnicky bunch and won't…
