Independent repayment tools for UK graduates living abroad

Aedan L publishes practical calculators and guides for UK student loan borrowers overseas. The main tool helps graduates estimate monthly Student Loans Company repayments using overseas threshold tables, repayment plan rules, country-specific exchange rates, and gross local salary.

Open the repayment calculator Read the methodology

What the calculator covers

The calculator supports Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate Loan estimates for supported tax years. It converts a local gross salary into GBP using the published overseas threshold table, compares that income with the relevant country threshold, and estimates the monthly repayment due above the threshold.

  • Country-specific overseas thresholds and exchange rates.
  • Separate undergraduate and Postgraduate Loan repayment rates.
  • Worked country examples and plan-specific guidance.
  • Clear caveats so users can compare estimates with official SLC notices.

Popular country guides

Australia Estimate repayments from Australian dollar salary examples. Germany Use euro salary examples and German gross income notes. United States Compare US dollar salary examples with SLC thresholds.

Repayment plan guides

Plan 2 overseas repayments Guidance for one of the most common undergraduate repayment plans. Plan 5 overseas repayments Notes for newer undergraduate borrowers living outside the UK. Postgraduate Loan repayments Separate 6% repayment estimates for postgraduate balances.

Editorial note

The service is independent and is not affiliated with GOV.UK, Student Finance England, Student Finance Wales, SAAS, Student Finance Northern Ireland, or the Student Loans Company. Estimates are for planning only and should be checked against official Student Loans Company correspondence.

For transparency, see the about page, privacy policy, and calculation methodology.