Statutory guidance
Student loans: a guide to terms and conditions
A guide describing terms and conditions for students taking out a student loan in academic years 2025 to 2026 and 2024 to 2025.
Details
Before applying for student finance, it’s important that you understand the terms and conditions of your loan. Our guide will help you understand your loan contract, your repayment plan type, how you’ll repay your loan and how to contact us if you’re not satisfied.
Updates to this page
Published 1 March 2021
Last updated
116 FebruaryApril 2025
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6 April 2025
Updated for 25/26 thresholds
11 February 2025
2025 to 2026 terms and conditions have been added
6 April 2024
Removed 2022 to 2023 and updated 2024 to 2025 guide to terms and conditions.
26 January 2024
Terms and conditions have been added for 2024 to 2025
4 December 2023
Updated Student Loans Company address from 100 Bothwell Street, Glasgow, G2 7JD to 10 Clyde Place, Glasgow, G5 8DF
6 April 2023
The 2023/24 guide has been updated with new repayment threshold information.
17 January 2023
A guide to terms and conditions for the 2023/24 academic year have been added
25 April 2022
Updated HTML for academic year 2022 to 2023 to reference and include guidance for Higher Education Short Course Loans content.
7 April 2022
Updated HMTL Terms and Conditions for 2021 to 2022 and 2022 to 2023, to highlight acronyms.
6 April 2022
Updates have been made to the repayment thresholds in the 2022 to 2023 Terms and Conditions Guide
17 January 2022
Added guide for terms and conditions 2022 to 2023.
1 July 2021
Additional amendment to section 5.7 interest rates.
1 July 2021
Adjustments made to interest rates in sections; 4.1, 5.7 and 6.12.
28 June 2021
Converted the PDF document to a HTML.
6 April 2021
Added updated terms and conditions guide for new tax year.
1 March 2021
First published.