Could your student debt grow even while you repay?

Enter a few rough figures to estimate your monthly repayment, the interest added this year, and whether your student debt is likely to grow or shrink.

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Your details

Use approximate figures. This is a campaign estimate, not financial advice.

£
Use your latest Student Loans Company balance if you know it.
£
Plan 2 is usually up to 30 years. Plan 5 is usually up to 40 years.
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This uses simplified assumptions and does not account for future salary changes, threshold changes, inflation changes or government rule changes.

Your estimate

Based on the figures entered.

Plan 2
Monthly student loan repayment £0
Annual student loan repayment £0
Estimated annual interest added £0
Balance change this year £0

Your result will appear here.

Enter your details and calculate your estimate.

What happens to each extra £1?

At this salary level, this estimates your marginal deduction rate: income tax, employee National Insurance and student loan deductions.

You keep about 43p from each extra £1 earned
Total deductions 57%
Student loan deduction 15%

What this calculator shows

This calculator is designed to show the scale of the issue, not to provide financial advice. It uses current repayment thresholds and simplified interest assumptions. Real outcomes will depend on future earnings, inflation, interest rates and government policy.

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