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Plan 2 - Overseas thresholds

 

The repayment threshold for the UK is £21,000. So anyone with an annual salary of over £21,000 is required to repay their loan and they pay 9% of their earnings over this threshold.


If you are living overseas we work out your monthly repayment amount using the same principles as for those who live in the UK. So, you will repay 9% of your earnings over the repayment threshold for the country you are living in.


To take account of differences in living costs, the repayment threshold in a foreign country may not be the same as in the UK. We will update thresholds each year to take account of price changes.


In the UK, the interest rate that applies to your loan is based on the UK Retail Price Index (RPI), and it can vary depending on your income:

  • If you earn under the lower income threshold your interest rate is set at the UK rate of RPI.
  • If you earn between the lower and upper income threshold your interest rate is set at the UK rate of RPI + a percentage based on your actual income.
  • If you earn the upper income threshold or above your interest rate is set at the UK rate of RPI + 3%.

The same principle applies if you are living overseas. You can find out the current interest rates on the Interest rates page.


The following table shows the lower and upper income thresholds that apply for different countries. It also shows a minimum monthly repayment amount - this is how much you would be liable to repay each month if you did not inform us of your actual income while overseas.


These overseas thresholds apply to the period April 16 to March 17.

 

Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
AfghanistanAfghanis0.010752£4,200.00£8,200.00£40.20
AlbaniaLeke0.00482£8,400.00£16,400.00£80.40
AlgeriaAlgerian Dinar0.006578£8,400.00£16,400.00£80.40
American SamoaU.S. Dollar0.651585£8,400.00£16,400.00£80.40
AndorraEuro0.725471£16,800.00£32,800.00£160.80
AngolaKwanza0.005535£12,600.00£24,600.00£120.60
AnguillaEast Caribbean Dollar0.240129£21,000.00£41,000.00£201.00
AntarcticaU.S. Dollar0.651585£4,200.00£8,200.00£40.20
Antigua and BarbudaEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
ArgentinaArgentine Peso0.071396£8,400.00£16,400.00£80.40
ArmeniaDram0.001358£8,400.00£16,400.00£80.40
ArubaAruban Guilder0.36221£12,600.00£24,600.00£120.60
AustraliaAustralian Dollar0.494628£25,200.00£49,200.00£241.20
AustriaEuro0.725471£21,000.00£41,000.00£201.00
AzerbaijanAzerbaijanian Manat0.661423£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
BahamasBahamian Dollar0.651585£16,800.00£32,800.00£160.80
BahrainBahrain Dinar1.719265£8,400.00£16,400.00£80.40
BangladeshTaka0.007731£4,200.00£8,200.00£40.20
BarbadosBarbados Dollar0.324175£16,800.00£32,800.00£160.80
BelarusBelarusian Ruble0.000043£8,400.00£16,400.00£80.40
BelgiumEuro0.725471£21,000.00£41,000.00£201.00
BelizeBelizean Dollar0.324265£8,400.00£16,400.00£80.40
BeninCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
BermudaBermudian Dollar0.651585£29,400.00£57,400.00£281.40
BhutanBhutanese Ngultrum0.010196£4,200.00£8,200.00£40.20
BoliviaBoliviano0.090931£8,400.00£16,400.00£80.40
Bonaire, Saint Eustatius and SabaU.S. Dollar0.651585£21,000.00£41,000.00£201.00
Bosnia and HerzegovinaConvertible Marka0.372711£8,400.00£16,400.00£80.40
BotswanaPula0.065092£8,400.00£16,400.00£80.40
Bouvet IslandNorwegian Krone0.081383£25,200.00£49,200.00£241.20
BrazilBrazilian Real0.203164£12,600.00£24,600.00£120.60
British Indian Ocean TerritoryU.S. Dollar0.651585£21,000.00£41,000.00£201.00
BruneiBrunei Dollar0.476527£8,400.00£16,400.00£80.40
BulgariaBulgarian Lev0.372705£8,400.00£16,400.00£80.40
Burkina FasoCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
BurundiBurundi Franc0.000413£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
CambodiaRiel0.00016£4,200.00£8,200.00£40.20
CameroonCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
CanadaCanadian Dollar0.514617£21,000.00£41,000.00£201.00
Cape VerdeCape Verde Escudo0.006566£8,400.00£16,400.00£80.40
Cayman IslandsCayman Islands Dollar0.790672£21,000.00£41,000.00£201.00
Central African RepublicCFA Franc (BEAC)0.001112£12,600.00£24,600.00£120.60
ChadCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
Channel IslandsBritish Pound1£21,000.00£41,000.00£201.00
ChileChilean Peso0.001011£12,600.00£24,600.00£120.60
ChinaYuan Renminbi0.103366£8,400.00£16,400.00£80.40
Christmas IslandAustralian Dollar0.494628£25,200.00£49,200.00£241.20
Cocos (Keeling) IslandsAustralian Dollar0.494628£25,200.00£49,200.00£241.20
ColombiaColombian Peso0.000246£12,600.00£24,600.00£120.60
ComorosComorian Franc0.001483£8,400.00£16,400.00£80.40
CongoCongolese Franc0.000703£8,400.00£16,400.00£80.40
Congo, Democratic Republic ofCongolese Franc0.000703£12,600.00£24,600.00£120.60
Cook IslandsNew Zealand Dollar0.459208£12,600.00£24,600.00£120.60
Costa RicaCosta Rican Colon 0.001219£12,600.00£24,600.00£120.60
Cote d'IvoireCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
CroatiaKuna0.095764£12,600.00£24,600.00£120.60
CubaCuban Peso0.64835£8,400.00£16,400.00£80.40
CuracaoAntillean Guilder0.364014£21,000.00£41,000.00£201.00
CyprusEuro0.725471£16,800.00£32,800.00£160.80
Czech RepublicCzech Koruna0.026689£12,600.00£24,600.00£120.60

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
DenmarkDanish Krone0.097372£25,200.00£49,200.00£241.20
DjiboutiDjiboutian Franc0.003646£8,400.00£16,400.00£80.40
DominicaEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
Dominican RepublicDominican Peso0.01445£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
EcuadorU.S. Dollar0.651585£8,400.00£16,400.00£80.40
EgyptEgyptian Pound0.084767£4,200.00£8,200.00£40.20
El SalvadorU.S. Dollar0.651585£8,400.00£16,400.00£80.40
Equatorial GuineaCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
EritreaNafka0.043182£8,400.00£16,400.00£80.40
EstoniaEuro0.725471£12,600.00£24,600.00£120.60
EthiopiaEthiopian Birr0.031444£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
Faeroe IslandsDanish Krone0.097372£25,200.00£49,200.00£241.20
Falkland IslandsFalkland Pound1£21,000.00£41,000.00£201.00
Federated States of MicronesiaU.S. Dollar0.651585£16,800.00£32,800.00£160.80
FijiFiji Dollar0.313661£8,400.00£16,400.00£80.40
FinlandEuro0.725471£21,000.00£41,000.00£201.00
FranceEuro0.725471£21,000.00£41,000.00£201.00
French GuianaEuro0.725471£21,000.00£41,000.00£201.00
French PolynesiaCFP Franc 0.006111£21,000.00£41,000.00£201.00
French Southern TerritoriesEuro0.725471£21,000.00£41,000.00£201.00

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
GabonCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
GambiaDalasi0.015713£4,200.00£8,200.00£40.20
GeorgiaLari0.292235£8,400.00£16,400.00£80.40
GermanyEuro0.725471£16,800.00£32,800.00£160.80
GhanaGhanaian Cedi0.17564£8,400.00£16,400.00£80.40
GibraltarBritish Pound1£21,000.00£41,000.00£201.00
GreeceEuro0.725471£16,800.00£32,800.00£160.80
GreenlandDanish Krone0.097372£25,200.00£49,200.00£241.20
GrenadaEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
GuadeloupeEuro0.725471£21,000.00£41,000.00£201.00
GuamU.S. Dollar0.651585£21,000.00£41,000.00£201.00
GuatemalaQuetzal0.084803£8,400.00£16,400.00£80.40
GuineaGuinean Franc0.000089£8,400.00£16,400.00£80.40
Guinea-BissauCFA Franc (BCEAO)0.001112£8,400.00£16,400.00£80.40
GuyanaGuyanese Dollar0.003194£12,600.00£24,600.00£120.60

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
HaitiGourde0.013058£8,400.00£16,400.00£80.40
Heard and McDonald IslandsAustralian Dollar0.494628£25,200.00£49,200.00£241.20
Holy See (Vatican City State)Euro0.725471£4,200.00£8,200.00£40.20
HondurasLempira0.029941£8,400.00£16,400.00£80.40
Hong KongHong Kong Dollar0.084062£12,600.00£24,600.00£120.60
HungaryForint0.002353£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
IcelandIcelandic Krona0.004947£21,000.00£41,000.00£201.00
IndiaIndian Rupee0.010191£4,200.00£8,200.00£40.20
IndonesiaIndonesian Rupiah0.000049£4,200.00£8,200.00£40.20
IranIranian Rial0.000025£4,200.00£8,200.00£40.20
IraqIraqi Dinar0.000555£8,400.00£16,400.00£80.40
IrelandEuro0.725471£21,000.00£41,000.00£201.00
Isle of ManBritish Pound1£21,000.00£41,000.00£201.00
IsraelNew Israeli Shekel0.167121£21,000.00£41,000.00£201.00
ItalyEuro0.725471£16,800.00£32,800.00£160.80

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
JamaicaJamaican Dollar0.005566£8,400.00£16,400.00£80.40
JapanYen0.0054£16,800.00£32,800.00£160.80
JordanJordanian Dinar0.914643£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
KazakhstanTenge0.003115£8,400.00£16,400.00£80.40
KenyaKenya Schilling0.006665£8,400.00£16,400.00£80.40
KiribatiAustralian Dollar0.494628£16,800.00£32,800.00£160.80
Korea, Democratic People's Republic ofWon Korea Dem. Rep0.466523£8,400.00£16,400.00£80.40
Korea, Republic ofWon Korea Rep0.000567£12,600.00£24,600.00£120.60
KuwaitKuwaiti Dinar2.161992£12,600.00£24,600.00£120.60
Kyrgyztan RepublicKyrgyzstan Som0.010219£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
Lao PDRKip0.00008£4,200.00£8,200.00£40.20
LatviaEuro0.725471£12,600.00£24,600.00£120.60
LebanonLebanese Pound0.00043£8,400.00£16,400.00£80.40
LesothoLoti0.052138£8,400.00£16,400.00£80.40
LiberiaLiberian Dollar (US Dollar in use)0.651585£8,400.00£16,400.00£80.40
LibyaLibyan Dinar0.487847£8,400.00£16,400.00£80.40
LiechtensteinSwiss Franc0.681786£25,200.00£49,200.00£241.20
LithuaniaEuro0.725471£12,600.00£24,600.00£120.60
LuxembourgEuro0.725471£21,000.00£41,000.00£201.00

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
MacauPatacas0.081203£12,600.00£24,600.00£120.60
MacedoniaMacedonian Denar0.011854£8,400.00£16,400.00£80.40
MadagascarMalagasy Ariary0.000214£4,200.00£8,200.00£40.20
MalawiMalawi Kwacha0.00134£4,200.00£8,200.00£40.20
MalaysiaRinggit0.169751£8,400.00£16,400.00£80.40
MaldivesRufiyaa0.042736£12,600.00£24,600.00£120.60
MaliCFA Franc (BCEAO)0.001112£8,400.00£16,400.00£80.40
MaltaEuro0.725471£12,600.00£24,600.00£120.60
Marshall IslandsU.S. Dollar0.651585£16,800.00£32,800.00£160.80
MartiniqueEuro0.725471£21,000.00£41,000.00£201.00
MauritaniaOuguiyas0.002107£4,200.00£8,200.00£40.20
MauritiusMauritius Rupee0.01867£8,400.00£16,400.00£80.40
MayotteEuro0.725471£21,000.00£41,000.00£201.00
MexicoMexican Peso0.041495£12,600.00£24,600.00£120.60
MoldovaMoldovan Leu0.035301£8,400.00£16,400.00£80.40
MonacoEuro0.725471£25,200.00£49,200.00£241.20
MongoliaTugrik0.000332£4,200.00£8,200.00£40.20
MontenegroEuro0.725471£8,400.00£16,400.00£80.40
MontserratEast Caribbean Dollar0.240129£21,000.00£41,000.00£201.00
MoroccoMoroccan Dirham0.06724£8,400.00£16,400.00£80.40
MozambiqueMetical0.017232£8,400.00£16,400.00£80.40
MyanmarKyat0.000572£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
NamibiaNamibian Dollar0.052086£8,400.00£16,400.00£80.40
NauruAustralian Dollar0.494628£12,600.00£24,600.00£120.60
NepalNepalese Rupee0.006341£4,200.00£8,200.00£40.20
NetherlandsEuro0.725471£21,000.00£41,000.00£201.00
New CaledoniaCFP Franc 0.006111£21,000.00£41,000.00£201.00
New ZealandNew Zealand Dollar0.459208£21,000.00£41,000.00£201.00
NicaraguaGold Cordoba0.023887£8,400.00£16,400.00£80.40
NigerCFA Franc (BCEAO)0.001112£8,400.00£16,400.00£80.40
NigeriaNigerian Naira0.003291£8,400.00£16,400.00£80.40
NiueNew Zealand Dollar0.459208£4,200.00£8,200.00£40.20
Norfolk IslandAustralian Dollar0.494628£4,200.00£8,200.00£40.20
Northern Mariana IslandsU.S. Dollar0.651585£8,400.00£16,400.00£80.40
NorwayNorwegian Krone0.081383£25,200.00£49,200.00£241.20

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
OmanRial Omani1.683978£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
PakistanPakistan Rupee0.00634£4,200.00£8,200.00£40.20
PalauU.S. Dollar0.651585£12,600.00£24,600.00£120.60
PalestineNew Israeli Shekel0.167121£12,600.00£24,600.00£120.60
PanamaBalboas0.648349£8,400.00£16,400.00£80.40
Papua New GuineaKina0.238081£12,600.00£24,600.00£120.60
ParaguayGuarani0.000127£8,400.00£16,400.00£80.40
PeruNew Sol0.20636£8,400.00£16,400.00£80.40
PhilippinesPhilippine Peso0.014347£8,400.00£16,400.00£80.40
PitcairnNew Zealand Dollar0.459208£21,000.00£41,000.00£201.00
PolandZloty0.175041£8,400.00£16,400.00£80.40
PortugalEuro0.725471£12,600.00£24,600.00£120.60
Puerto RicoU.S. Dollar0.651585£16,800.00£32,800.00£160.80

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
QatarQatar Riyal0.178067£12,600.00£24,600.00£120.60

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
ReunionEuro0.725471£21,000.00£41,000.00£201.00
RomaniaRomanian Leu0.164021£8,400.00£16,400.00£80.40
Russian FederationRussian Ruble0.010924£8,400.00£16,400.00£80.40
RwandaRwanda Franc0.000911£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
Saint HelenaSaint Helena Pound1£21,000.00£41,000.00£201.00
Saint Kitts and NevisEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
Saint LuciaEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
Saint Martin (French part)Euro0.725471£21,000.00£41,000.00£201.00
Saint Pierre and MiquelonEuro0.725471£21,000.00£41,000.00£201.00
Saint Vincent and GrenadinesEast Caribbean Dollar0.240129£12,600.00£24,600.00£120.60
Saint-BarthelemyEuro0.725471£21,000.00£41,000.00£201.00
SamoaTala0.256516£12,600.00£24,600.00£120.60
San MarinoEuro0.725471£16,800.00£32,800.00£160.80
Sao Tome and PrincipeDobras0.000034£8,400.00£16,400.00£80.40
Saudi ArabiaSaudi Riyal0.17373£8,400.00£16,400.00£80.40
SenegalCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
SerbiaSerbian Dinar0.006049£8,400.00£16,400.00£80.40
SeychellesSeychelles Rupee0.048555£12,600.00£24,600.00£120.60
Sierra LeoneLeone0.000151£8,400.00£16,400.00£80.40
Singapore Singapore Dollar0.475523£12,600.00£24,600.00£120.60
Sint Maarten (Dutch part)Antilles Guilder0.364014£21,000.00£41,000.00£201.00
SlovakiaEuro0.725471£12,600.00£24,600.00£120.60
SloveniaEuro0.725471£12,600.00£24,600.00£120.60
Solomon IslandsSolomon Islands Dollar0.083001£16,800.00£32,800.00£160.80
SomaliaSomali Shilling0.001243£8,400.00£16,400.00£80.40
South AfricaRand0.052086£8,400.00£16,400.00£80.40
South Georgia and the South Sandwich IslandsBritish Pound1£4,200.00£8,200.00£40.20
South SudanSudanese Pound0.10833£8,400.00£16,400.00£80.40
SpainEuro0.725471£16,800.00£32,800.00£160.80
Sri LankaSri Lankan Rupee0.004802£4,200.00£8,200.00£40.20
SudanSudanese Pound0.10833£8,400.00£16,400.00£80.40
SurinameSurinam Dollar0.195304£8,400.00£16,400.00£80.40
Svalbard and Jan Mayen IslandsNorwegian Krone0.081383£25,200.00£49,200.00£241.20
SwazilandLilangeni0.052103£8,400.00£16,400.00£80.40
SwedenSwedish Krona0.077393£25,200.00£49,200.00£241.20
SwitzerlandSwiss Franc0.681786£25,200.00£49,200.00£241.20
SyriaSyrian Pound0.00399£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
Taiwan Taiwan Dollar0.020564£8,400.00£16,400.00£80.40
TajikistanSomoni0.12336£8,400.00£16,400.00£80.40
ThailandThai Baht0.01907£8,400.00£16,400.00£80.40
Timor-LesteU.S. Dollar0.651585£8,400.00£16,400.00£80.40
TogoCFA Franc (BEAC)0.001112£8,400.00£16,400.00£80.40
TokelauNew Zealand Dollar0.459208£8,400.00£16,400.00£80.40
TongaPa’anga0.494628£12,600.00£24,600.00£120.60
Trinidad and TobagoTrinidad & Tobago Dollar0.101917£12,600.00£24,600.00£120.60
TunisiaTunisian Dinar0.334047£8,400.00£16,400.00£80.40
TurkeyTurkish New Lira0.244109£8,400.00£16,400.00£80.40
TurkmenistanTurkmenistan New Manat0.190629£12,600.00£24,600.00£120.60
Turks and Caicos IslandsU.S. Dollar0.651585£21,000.00£41,000.00£201.00
TuvaluAustralian Dollar0.494628£16,800.00£32,800.00£160.80

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
UgandaUgandan New Shilling0.000206£8,400.00£16,400.00£80.40
UkraineHryvnia0.030654£8,400.00£16,400.00£80.40
United Arab EmiratesU.A.E. Dirham0.176927£12,600.00£24,600.00£120.60
United KingdomBritish Pound1£21,000.00£41,000.00£201.00
United republic of TanzaniaTanzanian Shilling0.000325£8,400.00£16,400.00£80.40
United States of AmericaU.S. Dollar0.651585£16,800.00£32,800.00£160.80
UruguayUruguayan Peso0.02415£12,600.00£24,600.00£120.60
UzbekistanUzbekistan Sum0.000256£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
VanuatuVatu0.005995£16,800.00£32,800.00£160.80
VenezuelaBolivar Fuerte0.10108£12,600.00£24,600.00£120.60
VietnamDong0.000033£8,400.00£16,400.00£80.40
Virgin Islands (British)U.S. Dollar0.651585£21,000.00£41,000.00£201.00
Virgin Islands (US)U.S. Dollar0.651585£16,800.00£32,800.00£160.80

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
Wallis and Futuna IslandsCFP Franc 0.006111£21,000.00£41,000.00£201.00
Western SaharaMoroccan Dirham0.06724£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
YemenYemeni Rial0.003015£8,400.00£16,400.00£80.40

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Country of residence Currency Exchange Rate Lower income threshold (£GBP) Upper income threshold (£GBP) Minimum monthly repayment (£GBP)
ZambiaZambian Kwacha0.082437£8,400.00£16,400.00£80.40
ZimbabweZimbabwean Dollar0.001791£8,400.00£16,400.00£80.40

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