Student Loan Plan 5
UK tax glossary · Last reviewed: April 2026
Plan 5 uses a £25,000 repayment threshold and 9% rate. The repayment period is 40 years — longer than Plan 2.
Check your payslip or HMRC account to confirm which plan applies.
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TaxHelper provides general information based on published HMRC rates and guidance. It is not regulated financial or tax advice. For decisions involving significant sums, complex circumstances, or if you are unsure, speak to a qualified accountant or HMRC directly.