Student loans and take-home pay
The repayment depends on income over a threshold, not on the size of the balance, until the final payment.
Plans are not interchangeable
Plan 1, Plan 2, Plan 4 and Plan 5 have different thresholds. A postgraduate loan can be deducted as well as one undergraduate plan. Aldoraun does not apply two undergraduate plans at once.
Plan 5 is modelled for 2026 to 2027. It was not in the 2025 to 2026 employer deduction tables used by the calculator.
Interest is an assumption
Plans 1, 4 and 5 and postgraduate loans had published interest rates when these pages were checked. Plan 2 interest is variable, so the forecast uses the rate you enter and says so. A balance that reaches zero because of repayments is repaid. A write-off is a separate assumption.