Cancellation - general criteria

Find out more information on general loan cancellation criteria and your plan type.

Cancellation and your plan type

Loans may be cancelled after a period of time.  However, the criteria applied depends on the rules at the time you took out a loan and if you’re up to date with repayments.  The rules will be different for each plan type.

 

Plan 1

This repayment plan applies to you if you took out your first loan for your course in:

  • Scotland or Northern Ireland (including EU students)
  • England or Wales before 1 September 2012 (including EU students)

Plan 1 loans will be written off:

If you took out your loan when you lived in:

It will be cancelled if you:

 

England or Wales - Before 1st September 2012

  • took out your first student loan in or before academic year 2005/06, then it will be cancelled when you turn 65; or
  • took out your first student loan in or after academic year 2006/07, then it will be cancelled 25 years after you became eligible to repay

 

Scotland

  • took out your first student loan in or before academic year 2006/07, then it will be cancelled when you turn 65; or
  • took out your first student loan in or after academic year 2007/08, then it will be cancelled 35 years after you became eligible to repay

 

Northern Ireland

  • took out your first student loan in or before academic year 2005/06, then it will be cancelled when you turn 65; or
  • took out your first student loan in or after academic year 2006/07, then it will be cancelled 25 years after you became eligible to repay

 

Plan 2

This applies if you took out your first loan for your course in:

  • England or Wales on or after 1 September 2012 (including EU students)

Plan 2 loans will be written off 30 years after it becomes eligible to be repaid.

 

Postgraduate Loans

Find out more about Postgraduate Loan repayment.

 

Cancellation due to disability or death

Loans may be cancelled earlier if you become disabled and permanently unfit for work or die. Find out more on cancellation due to a disability or death