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Did I start repaying too early?

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I was reading about graduates starting to pay off their loans too early and wonder if this applies to me. I completed my first degree in 2011 and then continued on to complete a PGCE, graduating in July 2012. These were obviously separate courses, but both funded by student loans.
I started work after graduating in July 2012 and was earning above the threshold for repayment. I have found 2 payslips from February and March 2013 and I am repaying student loan at that time. I know you are not supposed to pay back your loan until the April after you graduate, which in my case was April 2013, but do the SLC count this as the April after you graduate from your first degree only, or after you no longer have a student loan?

I hope this makes sense...i intend to ring them tomorrow to find out but wondered if anyone had any words of wisdom in the meantime!

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  • Ed-1
    Ed-1 Posts: 3,956 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    naples90 wrote: »
    I was reading about graduates starting to pay off their loans too early and wonder if this applies to me. I completed my first degree in 2011 and then continued on to complete a PGCE, graduating in July 2012. These were obviously separate courses, but both funded by student loans.
    I started work after graduating in July 2012 and was earning above the threshold for repayment. I have found 2 payslips from February and March 2013 and I am repaying student loan at that time. I know you are not supposed to pay back your loan until the April after you graduate, which in my case was April 2013, but do the SLC count this as the April after you graduate from your first degree only, or after you no longer have a student loan?

    I hope this makes sense...i intend to ring them tomorrow to find out but wondered if anyone had any words of wisdom in the meantime!

    The loans for the first degree course entered repayment on 6th April 2012 and get written off 25 years after this date (if anything is still left).

    The loans from the PGCE entered repayment on 6th April 2013 and get written off 25 years after this date (if anything is still left).
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