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Guidance

Overseas earnings thresholds for Plan 5 student loans, 2025 to 2026

Updated 6 April 2026

Applies to England

These thresholds apply to Plan 5 student loans from April 2025 until March 2026.

The fixed monthly repayment amount is how much you’ll be charged if you don’t give us the information we need.

Country/Territory Currency Exchange rate Earnings threshold (GBP) Fixed monthly repayment (GBP)
Afghanistan Afghanis 0.010752 £5,000.00 £82.40 Ìý
Aland Islands Euro 0.848248 £25,000.00 £412.00 Ìý
Albania Leke 0.0084 £10,000.00 £164.80 Ìý
Algeria Algerian Dinar 0.005828 £10,000.00 £164.80 Ìý
American Samoa U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Andorra Euro 0.848248 £20,000.00 £329.60 Ìý
Angola Kwanza 0.000893 £10,000.00 £164.80 Ìý
Anguilla East Caribbean Dollar 0.289452 £25,000.00 £412.00 Ìý
Antarctica U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Antigua and Barbuda East Caribbean Dollar 0.289452 £20,000.00 £329.60 Ìý
Argentina Argentine Peso 0.000869 £15,000.00 £247.20 Ìý
Armenia Dram 0.001993 £10,000.00 £164.80 Ìý
Aruba Aruban Guilder 0.43691 £25,000.00 £412.00 Ìý
Australia Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Austria Euro 0.848248 £25,000.00 £412.00 Ìý
Azerbaijan Azerbaijanian Manat 0.459939 £10,000.00 £164.80 Ìý
Bahamas Bahamian Dollar 0.782044 £30,000.00 £494.40 Ìý
Bahrain Bahrain Dinar 2.079867 £15,000.00 £247.20 Ìý
Bangladesh Taka 0.006806 £10,000.00 £164.80 Ìý
Barbados Barbados Dollar 0.391037 £35,000.00 £576.80 Ìý
Belarus Belarusian Ruble 0.23888 £10,000.00 £164.80 Ìý
Belgium Euro 0.848248 £25,000.00 £412.00 Ìý
Belize Belizean Dollar 0.387342 £15,000.00 £247.20 Ìý
Benin CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Bermuda Bermudian Dollar 0.782044 £35,000.00 £576.80 Ìý
Bhutan Bhutanese Ngultrum 0.009361 £10,000.00 £164.80 Ìý
Bolivia Boliviano 0.113228 £10,000.00 £164.80 Ìý
Bonaire, Saint Eustatius and Saba U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Bosnia and Herzegovina Convertible Marka 0.433727 £10,000.00 £164.80 Ìý
Botswana Pula 0.057813 £10,000.00 £164.80 Ìý
Bouvet Island Norwegian Krone 0.073267 £25,000.00 £412.00 Ìý
Brazil Brazilian Real 0.147826 £15,000.00 £247.20 Ìý
British Indian Ocean Territory U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Brunei Brunei Dollar 0.58548 £10,000.00 £164.80 Ìý
Bulgaria Bulgarian Lev 0.433727 £10,000.00 £164.80 Ìý
Burkina Faso CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Burundi Burundi Franc 0.000272 £5,000.00 £82.40 Ìý
Cambodia Riel 0.000192 £10,000.00 £164.80 Ìý
Cameroon CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Canada Canadian Dollar 0.572705 £25,000.00 £412.00 Ìý
Cape Verde Cape Verde Escudo 0.007693 £15,000.00 £247.20 Ìý
Cayman Islands Cayman Islands Dollar 0.951656 £35,000.00 £576.80 Ìý
Central African Republic CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Chad CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Channel Islands British Pound 1 £25,000.00 £412.00 Ìý
Chile Chilean Peso 0.000836 £15,000.00 £247.20 Ìý
China Yuan Renminbi 0.10879 £15,000.00 £247.20 Ìý
Christmas Island Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Cocos (Keeling) Islands Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Colombia Colombian Peso 0.000194 £10,000.00 £164.80 Ìý
Comoros Comorian Franc 0.001724 £10,000.00 £164.80 Ìý
Congo Congolese Franc 0.000279 £10,000.00 £164.80 Ìý
Congo, Democratic Republic of Congolese Franc 0.000279 £10,000.00 £164.80 Ìý
Cook Islands New Zealand Dollar 0.476372 £25,000.00 £412.00 Ìý
Costa Rica Costa Rican Colon 0.001519 £20,000.00 £329.60 Ìý
Cote d’Ivoire CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Croatia Euro 0.848248 £15,000.00 £247.20 Ìý
Cuba Cuban Peso 0.032163 £15,000.00 £247.20 Ìý
Curacao Antillean Guilder 0.437573 £25,000.00 £412.00 Ìý
Cyprus Euro 0.848248 £20,000.00 £329.60 Ìý
Czech Republic Czech Koruna 0.033833 £15,000.00 £247.20 Ìý
Denmark Danish Krone 0.113724 £25,000.00 £412.00 Ìý
Djibouti Djiboutian Franc 0.004396 £15,000.00 £247.20 Ìý
Dominica East Caribbean Dollar 0.289452 £15,000.00 £247.20 Ìý
Dominican Republic Dominican Peso 0.013221 £15,000.00 £247.20 Ìý
Ecuador U.S. Dollar 0.782044 £10,000.00 £164.80 Ìý
Egypt Egyptian Pound 0.017795 £5,000.00 £82.40 Ìý
El Salvador U.S. Dollar 0.782044 £15,000.00 £247.20 Ìý
Equatorial Guinea CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Eritrea Nafka 0.052138 £10,000.00 £164.80 Ìý
Estonia Euro 0.848248 £20,000.00 £329.60 Ìý
Ethiopia Ethiopian Birr 0.010126 £15,000.00 £247.20 Ìý
Faeroe Islands Danish Krone 0.113724 £25,000.00 £412.00 Ìý
Falkland Islands Falkland Pound 1 £25,000.00 £412.00 Ìý
Federated States of Micronesia U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Fiji Fiji Dollar 0.348663 £10,000.00 £164.80 Ìý
Finland Euro 0.848248 £25,000.00 £412.00 Ìý
France Euro 0.848248 £20,000.00 £329.60 Ìý
French Guiana Euro 0.848248 £20,000.00 £329.60 Ìý
French Polynesia CFP Franc 0.007109 £25,000.00 £412.00 Ìý
French Southern Territories Euro 0.848248 £20,000.00 £329.60 Ìý
Gabon CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Gambia Dalasi 0.011399 £10,000.00 £164.80 Ìý
Georgia Lari 0.288825 £10,000.00 £164.80 Ìý
Germany Euro 0.848248 £25,000.00 £412.00 Ìý
Ghana Ghanaian Cedi 0.054724 £10,000.00 £164.80 Ìý
Gibraltar British Pound 1 £25,000.00 £412.00 Ìý
Greece Euro 0.848248 £15,000.00 £247.20 Ìý
Greenland Danish Krone 0.113724 £25,000.00 £412.00 Ìý
Grenada East Caribbean Dollar 0.289452 £20,000.00 £329.60 Ìý
Guadeloupe Euro 0.848248 £20,000.00 £329.60 Ìý
Guam U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Guatemala Quetzal 0.100714 £10,000.00 £164.80 Ìý
Guinea Guinean Franc 0.000091 £10,000.00 £164.80 Ìý
Guinea-Bissau CFA Franc (BCEAO) 0.001293 £10,000.00 £164.80 Ìý
Guyana Guyanese Dollar 0.003746 £10,000.00 £164.80 Ìý
Haiti Gourde 0.005918 £15,000.00 £247.20 Ìý
Heard and McDonald Islands Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Holy See (Vatican City State) Euro 0.848248 £20,000.00 £329.60 Ìý
Honduras Lempira 0.031562 £15,000.00 £247.20 Ìý
Hong Kong HongÌý Kong Dollar 0.100195 £20,000.00 £329.60 Ìý
Hungary Forint 0.002158 £15,000.00 £247.20 Ìý
Iceland Icelandic Krona 0.00567 £30,000.00 £494.40 Ìý
India Indian Rupee 0.009361 £10,000.00 £164.80 Ìý
Indonesia IndonesianÌý Rupiah 0.000049 £10,000.00 £164.80 Ìý
Iran Iranian Rial 0.000025 £10,000.00 £164.80 Ìý
Iraq Iraqi Dinar 0.000598 £10,000.00 £164.80 Ìý
Ireland Euro 0.848248 £25,000.00 £412.00 Ìý
Isle of Man British Pound 1 £25,000.00 £412.00 Ìý
Israel New Israeli Shekel 0.210398 £30,000.00 £494.40 Ìý
Italy Euro 0.848248 £20,000.00 £329.60 Ìý
Jamaica Jamaican Dollar 0.005003 £20,000.00 £329.60 Ìý
Japan Yen 0.005171 £20,000.00 £329.60 Ìý
Jordan Jordanian Dinar 1.103022 £15,000.00 £247.20 Ìý
Kazakhstan Tenge 0.001683 £10,000.00 £164.80 Ìý
Kenya Kenya Schilling 0.005749 £10,000.00 £164.80 Ìý
Kiribati Australian Dollar 0.518403 £20,000.00 £329.60 Ìý
Korea, Democratic People’s Republic of Won Korea Dem. Rep 0.466523 £10,000.00 £164.80 Ìý
Korea, Republic of Won Korea Rep 0.000577 £20,000.00 £329.60 Ìý
Kososvo Euro 0.848248 £10,000.00 £164.80 Ìý
Kuwait Kuwaiti Dinar 2.54842 £20,000.00 £329.60 Ìý
Kyrgyztan Republic Kyrgyzstan Som 0.008955 £10,000.00 £164.80 Ìý
Lao PDR Kip 0.000036 £5,000.00 £82.40 Ìý
Latvia Euro 0.848248 £15,000.00 £247.20 Ìý
Lebanon Lebanese Pound 0.000011 £10,000.00 £164.80 Ìý
Lesotho Loti 0.042708 £10,000.00 £164.80 Ìý
Liberia Liberian Dollar (US Dollar in use) 0.004064 £15,000.00 £247.20 Ìý
Libya Libyan Dinar 0.162243 £10,000.00 £164.80 Ìý
Liechtenstein Swiss Franc 0.889996 £25,000.00 £412.00 Ìý
Lithuania Euro 0.848248 £15,000.00 £247.20 Ìý
Luxembourg Euro 0.848248 £25,000.00 £412.00 Ìý
Macau Patacas 0.097277 £20,000.00 £329.60 Ìý
Macedonia (Former Yugoslav Republic) Macedonian Denar 0.013782 £10,000.00 £164.80 Ìý
Madagascar Malagasy Ariary 0.000173 £10,000.00 £164.80 Ìý
Malawi Malawi Kwacha 0.000455 £10,000.00 £164.80 Ìý
Malaysia Ringgit 0.170077 £10,000.00 £164.80 Ìý
Maldives Rufiyaa 0.050762 £15,000.00 £247.20 Ìý
Mali CFA Franc (BCEAO) 0.001293 £10,000.00 £164.80 Ìý
Malta Euro 0.848248 £20,000.00 £329.60 Ìý
Marshall Islands U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Martinique Euro 0.848248 £20,000.00 £329.60 Ìý
Mauritania Ouguiyas 0.019738 £10,000.00 £164.80 Ìý
Mauritius Mauritius Rupee 0.017043 £10,000.00 £164.80 Ìý
Mayotte Euro 0.848248 £20,000.00 £329.60 Ìý
Mexico Mexican Peso 0.043315 £15,000.00 £247.20 Ìý
Moldova Moldovan Leu 0.044117 £10,000.00 £164.80 Ìý
Monaco Euro 0.848248 £25,000.00 £412.00 Ìý
Mongolia Tugrik 0.00023 £10,000.00 £164.80 Ìý
Montenegro Euro 0.848248 £10,000.00 £164.80 Ìý
Montserrat East Caribbean Dollar 0.289452 £25,000.00 £412.00 Ìý
Morocco Moroccan Dirham 0.078658 £10,000.00 £164.80 Ìý
Mozambique Metical 0.012249 £10,000.00 £164.80 Ìý
Myanmar Kyat 0.000373 £5,000.00 £82.40 Ìý
Namibia Namibian Dollar 0.042708 £10,000.00 £164.80 Ìý
Nauru Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Nepal Nepalese Rupee 0.005848 £10,000.00 £164.80 Ìý
Netherlands Euro 0.848248 £25,000.00 £412.00 Ìý
New Caledonia CFP Franc 0.007109 £25,000.00 £412.00 Ìý
New Zealand New Zealand Dollar 0.476372 £25,000.00 £412.00 Ìý
Nicaragua Gold Cordoba 0.021269 £10,000.00 £164.80 Ìý
Niger CFA Franc (BCEAO) 0.001293 £10,000.00 £164.80 Ìý
Nigeria Nigerian Naira 0.00055 £10,000.00 £164.80 Ìý
Niue New Zealand Dollar 0.476372 £25,000.00 £412.00 Ìý
Norfolk Island Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Northern Mariana Islands U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Norway Norwegian Krone 0.073267 £25,000.00 £412.00 Ìý
Oman Rial Omani 2.031694 £15,000.00 £247.20 Ìý
Pakistan Pakistan Rupee 0.002804 £5,000.00 £82.40 Ìý
Palau U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Palestine (Occupied Territory) New Israeli Shekel 0.210398 £15,000.00 £247.20 Ìý
Panama Balboas 0.782044 £15,000.00 £247.20 Ìý
Papua New Guinea Kina 0.203434 £20,000.00 £329.60 Ìý
Paraguay Guarani 0.000104 £10,000.00 £164.80 Ìý
Peru New Sol 0.208368 £15,000.00 £247.20 Ìý
Philippines Philippine Peso 0.013692 £10,000.00 £164.80 Ìý
Pitcairn New Zealand Dollar 0.476372 £25,000.00 £412.00 Ìý
Poland Zloty 0.196321 £15,000.00 £247.20 Ìý
Portugal Euro 0.848248 £15,000.00 £247.20 Ìý
Puerto Rico U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Qatar Qatar Riyal 0.214855 £20,000.00 £329.60 Ìý
Reunion Euro 0.848248 £20,000.00 £329.60 Ìý
Romania Romanian Leu 0.170523 £10,000.00 £164.80 Ìý
Russian Federation Russian Ruble 0.00853 £10,000.00 £164.80 Ìý
Rwanda Rwanda Franc 0.000598 £10,000.00 £164.80 Ìý
Saint Helena Saint Helena Pound 1 £25,000.00 £412.00 Ìý
Saint Kitts and Nevis East Caribbean Dollar 0.289452 £20,000.00 £329.60 Ìý
Saint Lucia East Caribbean Dollar 0.289452 £15,000.00 £247.20 Ìý
Saint Martin (French part) Euro 0.848248 £20,000.00 £329.60 Ìý
Saint Pierre and Miquelon Euro 0.848248 £20,000.00 £329.60 Ìý
Saint Vincent and Grenadines East Caribbean Dollar 0.289452 £15,000.00 £247.20 Ìý
Saint-Barthelemy Euro 0.848248 £20,000.00 £329.60 Ìý
Samoa Tala 0.285111 £20,000.00 £329.60 Ìý
San Marino Euro 0.848248 £25,000.00 £412.00 Ìý
Sao Tome and Principe Dobras 0.000035 £15,000.00 £247.20 Ìý
Saudi Arabia Saudi Riyal 0.208551 £15,000.00 £247.20 Ìý
Senegal CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Serbia Serbian Dinar 0.007243 £10,000.00 £164.80 Ìý
Seychelles Seychelles Rupee 0.057161 £15,000.00 £247.20 Ìý
Sierra Leone Leone 0.000063 £5,000.00 £82.40 Ìý
Singapore Singapore Dollar 0.58548 £20,000.00 £329.60 Ìý
Sint Maarten (Dutch part) Antilles Guilder 0.437573 £25,000.00 £412.00 Ìý
Slovakia Euro 0.848248 £15,000.00 £247.20 Ìý
Slovenia Euro 0.848248 £20,000.00 £329.60 Ìý
Solomon Islands SolomonÌý Islands Dollar 0.09383 £20,000.00 £329.60 Ìý
Somalia Somali Shilling 0.001371 £10,000.00 £164.80 Ìý
South Africa Rand 0.042708 £10,000.00 £164.80 Ìý
South Georgia and the South Sandwich Islands British Pound 1 £25,000.00 £412.00 Ìý
South Sudan Sudanese Pound 0.001306 £10,000.00 £164.80 Ìý
Spain Euro 0.848248 £20,000.00 £329.60 Ìý
Sri Lanka Sri Lankan Rupee 0.002563 £10,000.00 £164.80 Ìý
Sudan Sudanese Pound 0.001306 £20,000.00 £329.60 Ìý
Suriname Surinam Dollar 0.023439 £10,000.00 £164.80 Ìý
Svalbard and Jan Mayen Islands Norwegian Krone 0.073267 £25,000.00 £412.00 Ìý
Swaziland Lilangeni 0.042708 £10,000.00 £164.80 Ìý
Sweden Swedish Krona 0.074389 £25,000.00 £412.00 Ìý
Switzerland Swiss Franc 0.889996 £30,000.00 £494.40 Ìý
Syria Syrian Pound 0.00399 £5,000.00 £82.40 Ìý
Taiwan Taiwan Dollar 0.024403 £25,000.00 £412.00 Ìý
Tajikistan Somoni 0.12336 £5,000.00 £82.40 Ìý
Thailand Thai Baht 0.022122 £10,000.00 £164.80 Ìý
Timor-Leste U.S. Dollar 0.782044 £10,000.00 £164.80 Ìý
Togo CFA Franc (BEAC) 0.001293 £10,000.00 £164.80 Ìý
Tokelau New Zealand Dollar 0.476372 £25,000.00 £412.00 Ìý
Tonga ±Ê²¹â€™a²Ô²µ²¹ 0.330666 £20,000.00 £329.60 Ìý
Trinidad and Tobago Trinidad & Tobago Dollar 0.115287 £15,000.00 £247.20 Ìý
Tunisia Tunisian Dinar 0.251724 £10,000.00 £164.80 Ìý
Turkey Turkish New Lira 0.024065 £10,000.00 £164.80 Ìý
Turkmenistan Turkmenistan New Manat 0.223599 £10,000.00 £164.80 Ìý
Turks and Caicos Islands U.S. Dollar 0.782044 £35,000.00 £576.80 Ìý
Tuvalu Australian Dollar 0.518403 £30,000.00 £494.40 Ìý
Uganda Ugandan New Shilling 0.000208 £10,000.00 £164.80 Ìý
Ukraine Hryvnia 0.019541 £10,000.00 £164.80 Ìý
United Arab Emirates U.A.E. Dirham 0.212952 £20,000.00 £329.60 Ìý
United Kingdom British Pound 1 £25,000.00 £412.00 Ìý
United Republic of Tanzania Tanzanian Shilling 0.000298 £10,000.00 £164.80 Ìý
United States of America U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Uruguay Uruguayan Peso 0.019606 £20,000.00 £329.60 Ìý
Uzbekistan Uzbekistan Sum 0.000062 £10,000.00 £164.80 Ìý
Vanuatu Vatu 0.006529 £30,000.00 £494.40 Ìý
Venezuela Bolivar Fuerte 0.01443 £15,000.00 £247.20 Ìý
Vietnam Dong 0.000031 £10,000.00 £164.80 Ìý
Virgin Islands (British) U.S. Dollar 0.782044 £25,000.00 £412.00 Ìý
Virgin Islands (US) U.S. Dollar 0.782044 £30,000.00 £494.40 Ìý
Wallis and Futuna Islands CFP Franc 0.007109 £10,000.00 £164.80 Ìý
Western Sahara Moroccan Dirham 0.078658 £10,000.00 £164.80 Ìý
Yemen Yemeni Rial 0.003124 £10,000.00 £164.80 Ìý
Zambia Zambian Kwacha 0.03029 £10,000.00 £164.80 Ìý
Zimbabwe Zimbabwean Gold 0.030848 £10,000.00 £164.80 Ìý