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When will I start repaying my loan?

April 2016 is the date when most 2012 starters will be due to start making repayments but only if you are earning £21,000 or more a year.  You will then repay 9% of anything you earn over this threshold each year. For example a graduate earning £25,000 would repay £30 per month.  More detailed information on repayments is available at www.direct.gov.uk/studentfinance.