The TL;DR
It depends on your plan. Plan 2 is written off 30 years after the April you were first due to repay. Plan 5 is written off after 40 years. Plan 1 is usually written off at 65 or after 25 years, depending on when you took it out.
The detail
- You repay 9% of your income above the threshold, not a share of what you owe.
- Plan 2’s threshold is £29,385 and Plan 5’s is £25,000 in 2026/27.
- 51.1% of borrowers liable to repay made a repayment in 2025-26.
Your 5-minute move
Your 5-minute move
Use the tools and explainers below to check your own numbers.
Related questions
Receipts · checked 9 November 2026