About the Student Loan

  • Student Loan & Tuition Fees; What do I need to do?
    • The Student Loan Application must be applied EVERY YEAR.
    • The SLC ensures that the tuition fees will be paid directly to the University. The payment is divided into 3 instalments.

For September starts:

Payment 1: September

Payment 2: January

Payment 3: April

For January/February starts:

Payment 1: January/February

Payment 2: April

Payment 3: September

  • How does the repayment model work?
    • The SLC work with HM Revenue & Customs (the UK’s Tax Office) to collect repayments. Your repayments will be shown on your pay-slips – unless you are self-employed when the repayments will be taken through the tax self-assessment system. The amount you repay will be linked to your annual income. Each year you will be expected to repay 9% of your income that is over a certain threshold. For students who started their course between 1998 and 2012, the income threshold is currently ( for the years 2018/19) £21,000.00 (approximately 23,522.00 € according to European Central Bank at 10/9/2018). In a simple way, if your taxable income is less than £21,000.00 in a year, you will not be expected to make any student loan repayments for that year.

Some examples of repayment methods.

Started course in or after Sept 2012:

Taxable Income for the year (i.e. before tax is deducted) Monthly Income Monthly Repayment
Up to £21,000.00 £1,750.00 £0
£22,000.00 £1,833.00 £7
£ 25,000.00 £ 2,083.00 £30
£ 30,000.00 £ 2,500.00 £67
£ 35,000.00 £ 2,916.00 £105
£ 40,000.00 £ 3,333.00 £142


  • Has my family any connection to the Student Loan?
    • Each student’s family has nothing to do with the Student Loan. The student has purely the whole responsibility.

Please find the whole guide.
Any further information please contact us at europe@sunderland.ac.uk