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.