#moneymaths

Student loans in the UK are complex: interest rates, thresholds, write‑off rules and repayment behaviour vary by plan type. This calculator doesn’t model those real rules and isn’t financial advice.

Instead, it uses a simple, standardised loan model to illustrate how extra payments and investing the same money compare in principle.

It’s designed for people who want to explore the maths behind the question, not to tell anyone what they should do.

For personalised information, the Student Loans Company and gov.uk are the correct sources.