Compare
Side-by-side comparisons and scenario pages to help you see how different loans and salaries change repayments.
Plan 1 vs Plan 2
Compare repayment thresholds, interest rules and write-off windows. Plan 1 typically has a lower threshold and lower interest (currently ~1%), whereas Plan 2 uses RPI-linked rates and a different write-off period. Useful if you want to know which plan costs more over time.
Plan 2 vs Plan 5
A direct comparison of modern England plans: Plan 2 has a higher effective interest range and longer write-off than older plans; Plan 5 uses RPI-only interest and a different threshold policy. Great for deciding what changes mean if you started study around 2012–2024.
Plan 4 vs Plan 5
Scottish Plan 4 vs England's Plan 5. Compare threshold differences (£32,745 vs £25,000) and how regional rules and write-off terms change your total repayments.
Plan 2 vs Plan 4
Useful for students who moved or are comparing England/Wales rules (Plan 2) against Scottish rules (Plan 4). See how thresholds, interest and typical repayment lengths differ.
UG vs Postgraduate
Compare undergraduate (9% above threshold) and postgraduate (6% or plan-specific) loans, thresholds, repayment rates and whether taking a postgraduate loan significantly changes monthly take-home pay.
Loans on £25k salary
A ready-made scenario that shows typical monthly repayments and remaining balance for different plans on a £25,000 salary. Handy for quick comparisons.
Loans on £50k salary
See how higher earnings affect repayment speed and interest across plans. Helpful if you expect to earn ~£50k early in your career.
Career progression impact
Explore how raises, promotions and long-term salary growth change when you pay off the loan, and which plans are more sensitive to career changes.
If you don’t see the exact comparison you want, try the Combined calculator or run a custom scenario in the calculator.