When will your student loan be written off?

It’s a question I’m asked all the time. Many know that current students no longer need to repay their loans 30 years after the April following graduation, yet for those who started university before 2012, there are a variety of options.

This information has been a long-term part of my Should I repay my student loan? guide (where you’ll find lots more info on interest rates and more) but I thought it’s worth breaking it out as an easy one-off form of reference.

So the table below explains, regardless of how much you still have left in your loan account, after what point repayments stop.

When are outstanding loans wiped?
HIGHER EDUCATION START DATE AGE AT WHICH LOAN IS WIPED DEATH UNFITNESS TO WORK
1990 – 1997 
(If aged under 40) (1)
Earlier of 25 years after your first payment of your last loan agreement (usually the start of your final year), or when you reach age 50 Yes Yes
1990 – 1997 
(If aged 40+) (1)
When you reach age 60 Yes Yes
1998 – 2005 (1998 – 2006 in Scotland) When you reach age 65 Yes Yes
2006 – 2011 25 years from the first April of graduation (when you were first due to repay) Yes Yes
2007 – 2011
(Scottish residents)
35 years from the first April of graduation (when you were first due to repay) Yes Yes
2012+ England & Wales: 30 years from the first April after graduation (when you were first due to repay)
 
Scotland: 35 years from the first April of graduation (when you were first due to repay)
 
NI: 25 years from the first April of graduation (when you were first due to repay)
Yes Yes
(1) This is the age you were when your last agreement for a loan was made – usually your last year of study.