What would you repay?
See the monthly figure, and when the balance is written off.
You repay nothing below £25,000.
Tuition plus maintenance. A three-year course at full rates is around £60,000.
Affects how quickly the balance falls, if it falls at all.
per month, taken from your pay like tax
Repayments are taken from pay like tax. Anything left is written off.
Closer to a graduate contribution than a debt
A student loan stays off your credit file, does not weigh on a mortgage application the way ordinary borrowing does, and can never be chased if your income drops.
Plenty of mature students never clear the full balance. What they pay back is a slice of the extra they earn because of the degree — and if it does not lift their income, they pay back very little.
The first step is just a conversation
One call is all it takes to see what is genuinely open to you. It is free, and about twenty minutes of your time.