Terms of Use

Please read these Terms of Use carefully before using studentloanrepaymentscalc.co.uk (the "Site"). By accessing or using the Site, you agree to be bound by these terms. If you do not agree, please do not use the Site.

1. Nature of the Service

This Site provides free, educational tools and information to help UK graduates understand how student loan repayments work. Our calculators generate estimates only, based on publicly available repayment thresholds, interest rates, and government write-off rules for each tax year.

The results produced by our calculators are projections based on assumptions including (but not limited to) a fixed salary growth rate, no career breaks, and unchanged government repayment parameters. Real-world outcomes will differ.

2. Not Financial Advice

Nothing on this Site constitutes financial, tax, or legal advice. The calculators and articles are provided for informational and educational purposes only. You should not make significant financial decisions (such as whether to make voluntary overpayments, change pension contributions, or take on further borrowing) based solely on the output of our calculators.

For advice tailored to your personal circumstances, please consult a qualified, FCA-authorised independent financial adviser or contact the Money and Pensions Service (MoneyHelper) for free, impartial guidance.

3. Accuracy of Information

We make every effort to ensure that the thresholds, interest rates, write-off periods, and other parameters used on this Site are accurate and current. All figures are sourced from official government publications including GOV.UK and the Student Loans Company.

However, government policy changes frequently and we cannot guarantee that all information is up to date at all times. You should always verify key figures — especially your actual loan balance and current repayment threshold — directly with the Student Loans Company.

4. Limitation of Liability

To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of this Site or reliance on any information provided here. This includes, without limitation:

• Financial losses arising from decisions made based on calculator projections
• Inaccuracies in repayment estimates due to changed government parameters
• Technical errors, downtime, or unavailability of the Site
• Any content on third-party websites linked from this Site

5. Intellectual Property

All content on this Site — including text, code, graphics, and data — is owned by or licensed to the operators of studentloanrepaymentscalc.co.uk. You may not reproduce, redistribute, or republish any content from this Site without prior written permission, except for personal, non-commercial use.

Linking to pages on this Site is permitted and welcomed. If you would like to embed a calculator or republish content, please contact us at hello@studentloanrepaymentscalc.co.uk.

6. Third-Party Links

This Site contains links to external websites including GOV.UK, the Student Loans Company, and MoneyHelper. These links are provided for convenience and information only. We have no control over external sites and accept no responsibility for their content or availability.

7. Acceptable Use

You agree not to use this Site to:

• Scrape, copy, or systematically extract content for commercial purposes
• Attempt to disrupt, overload, or interfere with the Site's infrastructure
• Use the Site in any way that is unlawful or harmful

8. Changes to These Terms

We reserve the right to update these Terms of Use at any time. The "last updated" date at the top of this page will reflect any changes. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from your use of this Site will be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact

If you have any questions about these Terms of Use, please contact us at hello@studentloanrepaymentscalc.co.uk.