Student loan repayment
Model repayment, interest, and write-off outcomes under UK plan rules.
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Results
Simulation based on current inputs.
Written off on
Write-off

1 Apr 2053

Total repaid
Estimate

£48,701

Total interest
Estimate

£94,632

Time remaining
Estimate

27 years 2 months

StatusLoan written off
Ending balance£87,932
Interest rate3.2% + 0.5% (3.7%)
Total overpayments£0

Additional interest reflects earnings above the lower threshold.

Salary timeline

Override a year to reset the salary base; later years follow the growth rate.