UK Student Loans
Watch a comprehensive series of video essays for all the detail :-
Or watch the 30 minute trailer video
Want to know how your future repayments would change with different policies or schemes?
- Plan 2 (2012-
23) - Plan 5 (2023+)
- Reform party plans
- Graduate tax on 2012+ cohorts
- All age graduate tax
First watch the “How to use” video
Then use the Google sheet:-
Visit the Resources page to access a growing set of resources helping you better understand UK student loans
A graduate tax of just over 5% with rising threshold starting at £30K (2026) would raise the same revenue as Plan 5 student loans. That’s a tax levied on just the 2012+ cohorts who took out a Plan 2 or Plan 5 loan
Most Plan 2 and Plan 5 graduates would pay back at just over 5% above threshold
compared to 9% . Most would benefit with the higher earners paying progressively
more -
No debt ! No tuition fees! No student loan company! Graduates pay back in direct proportion to the
benefit they receive from future earnings -
Too good to be true?! Check it out for yourself at the IFS student loan calculator . Go to “Alternatives”
page to see how to use this tool
Here you will discover other surprising facts and answers to questions you may have about UK Student loans.
Can the terms of my student loan change during its lifetime?
How does freezing thresholds affect the amount I pay back?
What does the interest accruing on my debt mean for me?
Are there better systems than student loans?
