Legal Disclaimer

Please read carefully before using the calculator.

1. Not Financial Advice

The calculations and projections provided by SmartRepay UK are for educational and illustrative purposes only. They do not constitute professional financial, legal, or tax advice.

2. Accuracy & Policy Changes

While we strive to maintain a model that reflects current UK Student Finance policies (including Plan 1, 2, 5, and Postgraduate loans), please note:

  • Threshold Fluctuations: Repayment thresholds and interest rates (linked to RPI) are subject to annual changes by the UK Government.
  • Model Estimates: Actual repayments are calculated by the Student Loans Company (SLC) and HMRC based on precise pay-period earnings, which may differ slightly from our annual estimates.

3. Limitation of Liability

SmartRepay UK and its developers shall not be held liable for any financial decisions made, or losses incurred, as a result of using this tool. Always verify your loan status directly with the Official Government Portal before making significant financial choices, such as voluntary overpayments.