Student Finance
What is Plan 4 Student Loan (Scotland)?
Plan 4 is the student loan repayment plan for Scottish graduates who studied with SAAS funding. The repayment threshold is £33,795 for 2026/27 — the highest of any UK undergraduate plan. You repay 9% of income above this threshold. Loans are written off after 30 years. Most Plan 4 borrowers should not voluntarily overpay.