Student Finance — Guidance, Not Application on Your Behalf
6 septembrie 2025 2025-09-26 15:10Student Finance — Guidance, Not Application on Your Behalf
What Student Finance Is (UK)
Student Finance England (SFE) provides loans managed by the Student Loans Company (SLC) for:
- • Tuition Fee Loan (tuition fees paid directly to the university)
- • Maintenance Loan (living costs: rent, food, transport)
These are loans, not grants (except for specific cases such as DSA, Childcare Grant, Parents’ Learning Allowance). Repayments are made automatically through the UK tax system (HMRC) based on your income.
Repayment Thresholds and Interest Rates (2025/26)
| Plan Type | Threshold (Annual) | Monthly Threshold | Interest Rate |
|---|---|---|---|
| Plan 1 | £26,065 | £2,172 | RPI (3.2%) |
| Plan 2 | £28,470 | £2,373 | RPI (3.2%) – 6.2% |
| Plan 5 | £25,000 | £2,083 | RPI (3.2%) |
| Postgraduate | £21,000 | £1,750 | RPI (3.2%) + 3% |
- Repayment Rate: 9% over the threshold (6% for postgraduate loans)
- Write-off Periods:
- Plan 2: 30 years
- Plan 5: 40 years
✅ Stay updated with official thresholds and terms.
✅ Apply confidently with our guidance.
✅ Secure your funding and focus on your studies.
