The TL;DR
You repay 9% of what you earn above your plan’s threshold. On £30,000, that’s about £38 a month on Plan 5 and £5 on Plan 2.
The detail
- On £35,000: £75 a month (Plan 5) or £42 (Plan 2).
- On £40,000: £112 (Plan 5) or £80 (Plan 2).
- It comes out of your pay automatically, like tax.
Your 5-minute move
Your 5-minute move
Use the tools and explainers below to check your own numbers.
Related questions
Receipts · checked 9 November 2026