2026/27 thresholds: Plan 1 £26,900, Plan 2 £29,385, Plan 4 (Scotland) £33,795, Plan 5 £25,000 (first repayments due this tax year), Postgraduate Loan £21,000. Undergraduate plans repay 9% of income above the threshold; Postgraduate Loans repay 6%. If you hold both an undergraduate and a postgraduate loan, both repayments apply simultaneously. Not tax advice.