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Student Finance
See your monthly repayments, total amount repaid, and whether your loan will be written off before you finish paying.
If you studied in Scotland with a SAAS loan, you're on Plan 4. It has the highest repayment threshold of any UK undergraduate plan at £32,745 for 2025/26.
The higher threshold means Scottish graduates start repaying later and pay less each month than English graduates on the same salary. Plan 4 loans are written off after 30 years.
| Plan | Threshold | Rate | Write-off |
|---|---|---|---|
| Plan 4 (Scotland) | £32,745 | 9% | 30 years |
| Plan 1 | £24,990 | 9% | 25 years |
| Plan 2 | £27,295 | 9% | 30 years |
| Plan 5 | £25,000 | 9% | 40 years |
| Postgraduate | £21,000 | 6% | 30 years |
Source: Student Loans Company / HMRC, 2025/26
Will your loan be written off? Enter your salary and balance above to see the year-by-year projection.
Back to calculator ↑Calculate your LBTT on any Scottish property purchase, including first-time buyer relief and ADS.
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This calculator provides estimates only and does not constitute financial or tax advice. Always verify with Revenue Scotland, HMRC, or mygov.scot, and speak to a qualified financial adviser for advice specific to your circumstances.