{
  "id": "v20-uk-student-loan",
  "version": "20.16.0",
  "name": "UK Student Loan Repayment Calculator — United Kingdom",
  "shortName": "UK Student Loan Repayment",
  "description": "Estimate income-contingent repayments from 2026/27 plan thresholds. Balance, interest accrual and write-off rules are not reduced to an ordinary amortizing loan. GBP planning view; stated limitations apply.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "student-loan",
    "uk",
    "tax-authority"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/v20-uk-student-loan.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "20.16.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.",
  "urls": {
    "page": "/uk/student-loan/",
    "definition": "/uk/student-loan/definition.json",
    "schema": "/uk/student-loan/schema.json",
    "llms": "/uk/student-loan/llms.txt",
    "legacyDefinition": "/uk/student-loan/definition.json"
  },
  "queryExample": "https://askcalculators.com/uk/student-loan/?income=40000&plan=2&postgraduate=0&remaining=30000&postgraduateBalance=10000",
  "queryParameters": {
    "income": {
      "label": "Annual repayment income",
      "type": "money",
      "required": true,
      "default": 40000
    },
    "plan": {
      "label": "Undergraduate plan",
      "type": "select",
      "required": true,
      "default": "2"
    },
    "postgraduate": {
      "label": "Also repay a postgraduate loan",
      "type": "checkbox",
      "required": false,
      "default": false
    },
    "remaining": {
      "label": "Remaining undergraduate balance",
      "type": "money",
      "required": true,
      "default": 30000
    },
    "postgraduateBalance": {
      "label": "Remaining postgraduate balance",
      "type": "money",
      "required": true,
      "default": 10000
    }
  },
  "inputs": [
    {
      "id": "income",
      "label": "Annual repayment income",
      "type": "money",
      "defaultValue": 40000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "plan",
      "label": "Undergraduate plan",
      "type": "select",
      "required": true,
      "defaultValue": "2",
      "options": [
        {
          "value": "1",
          "label": "Plan 1"
        },
        {
          "value": "2",
          "label": "Plan 2"
        },
        {
          "value": "4",
          "label": "Plan 4"
        },
        {
          "value": "5",
          "label": "Plan 5"
        }
      ]
    },
    {
      "id": "postgraduate",
      "label": "Also repay a postgraduate loan",
      "type": "checkbox",
      "defaultValue": false
    },
    {
      "id": "remaining",
      "label": "Remaining undergraduate balance",
      "type": "money",
      "defaultValue": 30000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "postgraduateBalance",
      "label": "Remaining postgraduate balance",
      "type": "money",
      "defaultValue": 10000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    }
  ],
  "outputs": [
    {
      "id": "undergrad",
      "label": "Annual undergraduate repayment estimate",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "postgrad",
      "label": "Annual postgraduate repayment estimate",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "annual",
      "label": "Combined annual estimate",
      "format": "currency",
      "digits": 2,
      "primary": true,
      "currency": "GBP"
    },
    {
      "id": "monthly",
      "label": "Equivalent monthly estimate",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    }
  ],
  "formula": {
    "expression": "Annual repayment = max(0, income − plan threshold) × repayment rate, limited here to entered outstanding balance; postgraduate repayment is additional.",
    "note": "Inputs are converted to canonical units before evaluating this stated formula."
  },
  "examples": [
    {
      "label": "Illustrative defaults; required verification checks remain unconfirmed",
      "inputs": {
        "unitSystem": "metric",
        "income": 40000,
        "plan": "2",
        "postgraduate": false,
        "remaining": 30000,
        "postgraduateBalance": 10000
      }
    }
  ],
  "sources": [
    {
      "label": "UK income authority",
      "url": "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027"
    },
    {
      "label": "Student loan repayment thresholds",
      "url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay"
    },
    {
      "label": "Student loan cancellation rules",
      "url": "https://www.gov.uk/repaying-your-student-loan/when-your-student-loan-gets-written-off-or-cancelled"
    }
  ],
  "publicSlug": "student-loan",
  "namespace": "uk",
  "countries": [
    "us",
    "uk"
  ]
}