How do I pay my loan back?

Once you’re earning over £21,000 per year deductions will be made automatically from your salary by your employer in the same way they deduct tax and national insurance payments. If you stop working or if your salary drops below £21,000 per year then your student loan repayments would stop. The table below will give you an idea of how much you might repay each month: 

Annual salary before tax Repayment per month
£16,000 £0
£21,000 £0
£22,000 £7
£25,000 £30
£30,000 £67
£36,000 £112

If your income changes during the year your repayment amounts will change to reflect this.

Help with living costs

Financial support with living costs is available for full-time, eligible students. The amount that students receive depends on their total household income.

Maintenance Loan

Students may be eligible to receive up to £8,430 (* based on 2017 entry info) per year as a Maintenance Loan if they are living away from home and up to £7,097* if they are living at home. The Maintenance Loan is repaid alongside the Tuition Fee Loan once the student is earning over £21,000 per year.

EU Students cannot apply for a Maintenance Loan unless they have lived in the UK for more than 5 years before the first day of the first academic year of their course.

Help for Parents

Childcare Grant and Parent’s Learning Allowance can help parents to balance the cost of childcare and study. Students with an adult who depends on them financially may also be eligible for Adult Dependants’ Grant.

Help for trainee teachers

Some teaching courses attract government funding. For more information see

For more information on any aspect of student finance, call Student Finance England on Tel: 0300 100 0607 or visit: