portrait IG Reel · Is Student Finance a Debt UK Explained
Created 16 Jun 2026, 16:00
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Is UK student finance really debt? Yes, but not the kind that works like a credit card. For new 2026/27 starters in England you are on Plan 5: £25,000 repayment threshold 9% on anything above the threshold RPI-only interest 40-year write-off On a £30,000 salary that is roughly £37.50 a month. Interest is added to the balance, not to the monthly amount deducted from your pay. So the balance can grow even when your repayments are on time. The headline balance is not the number that decides your monthly life. Your salary band is. That is the question worth focusing on. Full plain-English guide link in bio.
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