{
  "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009",
  "json_url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009.json",
  "id": "uksi/2009/470",
  "title": "The Education (Student Loans) (Repayment) Regulations 2009",
  "short_title": "Education (Student Loans) (Repayment) 2009",
  "long_title": "These Regulations revoke and re-enact with amendments the Education (Student Loans) (Repayment) Regulations 2000. Like those Regulations, these Regulations govern repayments of student loans by borrowers who have taken out income- contingent repayment loans for courses which began any time in or after September 1998. Students who began their courses before then, and certain limited, transitional categories of students who began their courses shortly after then (for example, gap year students) remain subject to the previous system of mortgage-style loans for maintenance under the Education (Student Loans) Act 1990.",
  "citation": "S.I. 2009/470",
  "type": "uksi",
  "year": "2009",
  "number": "470",
  "version": "current",
  "date": "2009-03-01",
  "revised": true,
  "valid_from": "2026-09-01",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "General",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement and extent",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Revocation of previous Regulations",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3A",
      "kind": "regulation",
      "number": "3A",
      "heading": "Meaning of “plan 1 loan”",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3A",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3B",
      "kind": "regulation",
      "number": "3B",
      "heading": "Meaning of “plan 2 loan”",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3B",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3C",
      "kind": "regulation",
      "number": "3C",
      "heading": "Meaning of “plan 3 loan”",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3C",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3D",
      "kind": "regulation",
      "number": "3D",
      "heading": "Meaning of “plan 4 loan”",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3D",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3E",
      "kind": "regulation",
      "number": "3E",
      "heading": "Meaning of “plan 5 loan”",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-3E",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Application: general",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Wales",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Scotland",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-6",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/1"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Application to transferred loans in England and Wales",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Service by post or electronic communication",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/8A",
      "kind": "regulation",
      "number": "8A",
      "heading": "How to calculate country-specific multiplier",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-8A",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/8B",
      "kind": "regulation",
      "number": "8B",
      "heading": "How to calculate repayment threshold variable",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-8B",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/8C",
      "kind": "regulation",
      "number": "8C",
      "heading": "Status of examples",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-8C",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "Repayments: general",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Interpretation of Part 2",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Functions of HMRC",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Transfer of repayments due to a loan purchaser",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Officers of Revenue and Customs",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Penalties in relation to Parts 3 and 4",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Application of repayments",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Timing of repayments for specified student loans and notification of repayments for all student loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/15A",
      "kind": "regulation",
      "number": "15A",
      "heading": "Timing of repayments for plan 5 LLE loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-15A",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Deferral of repayment: initial training of teachers",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Date of repayment",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Direct debit repayment",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/18A",
      "kind": "regulation",
      "number": "18A",
      "heading": "Division of repayment : more than one loan",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-18A",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Cancellation",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Refunds",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/20A",
      "kind": "regulation",
      "number": "20A",
      "heading": "Excess payments: more than one loan",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20A",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/20B",
      "kind": "regulation",
      "number": "20B",
      "heading": "Interest rate not to exceed prevailing market rate",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20B",
      "extent": null,
      "status": "repealed",
      "parent": "part/2"
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    {
      "path": "regulation/20BA",
      "kind": "regulation",
      "number": "20BA",
      "heading": "Interest rate cap: plan 2, plan 3 and plan 5 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20BA",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Interest rate on plan 1 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21A",
      "kind": "regulation",
      "number": "21A",
      "heading": "Interest rate on plan 2 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21A",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21AA",
      "kind": "regulation",
      "number": "21AA",
      "heading": "Higher interest threshold for plan 2 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21AA",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21AB",
      "kind": "regulation",
      "number": "21AB",
      "heading": "Lower interest threshold for plan 2 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21AB",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21B",
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      "heading": "Interest rate on plan 3 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21B",
      "extent": null,
      "status": null,
      "parent": "part/2"
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    {
      "path": "regulation/21C",
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      "number": "21C",
      "heading": "Interest rate on plan 5 loans",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-21C",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/22",
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      "number": "22",
      "heading": "Information requests",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/23",
      "kind": "regulation",
      "number": "23",
      "heading": "Information notices",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/24",
      "kind": "regulation",
      "number": "24",
      "heading": "Penalties and Penalty Notices",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/25",
      "kind": "regulation",
      "number": "25",
      "heading": "Costs and expenses",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-25",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/26",
      "kind": "regulation",
      "number": "26",
      "heading": "Alteration of relevant time limits",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/27",
      "kind": "regulation",
      "number": "27",
      "heading": "Foreclosure",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-27",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "part/3",
      "kind": "part",
      "number": "3",
      "heading": "Repayments by Assessment to Income Tax",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/28",
      "kind": "regulation",
      "number": "28",
      "heading": "Repayments of student loans ... by persons required to submit a tax return",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-28",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/29",
      "kind": "regulation",
      "number": "29",
      "heading": "Time for and amount of repayments",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/30",
      "kind": "regulation",
      "number": "30",
      "heading": "Personal return",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-30",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/31",
      "kind": "regulation",
      "number": "31",
      "heading": "Returns to include self-assessment",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-31",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/32",
      "kind": "regulation",
      "number": "32",
      "heading": "Records",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-32",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/33",
      "kind": "regulation",
      "number": "33",
      "heading": "Other returns and information",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-33",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/34",
      "kind": "regulation",
      "number": "34",
      "heading": "Assessment, claims and appeals",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-34",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/35",
      "kind": "regulation",
      "number": "35",
      "heading": "Payment",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-35",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/36",
      "kind": "regulation",
      "number": "36",
      "heading": "Late payment penalties",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-36",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/37",
      "kind": "regulation",
      "number": "37",
      "heading": "Collection and recovery",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-37",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/38",
      "kind": "regulation",
      "number": "38",
      "heading": "Persons chargeable in a representative capacity",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-38",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/39",
      "kind": "regulation",
      "number": "39",
      "heading": "Interest",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-39",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/40",
      "kind": "regulation",
      "number": "40",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-40",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "part/4",
      "kind": "part",
      "number": "4",
      "heading": "Deduction of Repayments by Employers",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/41",
      "kind": "regulation",
      "number": "41",
      "heading": "Interpretation of Part 4",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-41",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/41A",
      "kind": "regulation",
      "number": "41A",
      "heading": "Real Time Information employers",
      "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-41A",
      "extent": null,
      "status": "repealed",
      "parent": "part/4"
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      "kind": "regulation",
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      "path": "regulation/43A",
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      "status": null,
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      "path": "part/5",
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      "heading": "Repayment of plan 1, 2, 3 and 5 loans by Overseas Borrowers",
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      "extent": "E+W+S+N.I.",
      "status": null,
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      "path": "regulation/74A",
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      "path": "part/6",
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      "status": null,
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      "path": "signature",
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      "status": null,
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      "extent": "E+W+S+N.I.",
      "status": null,
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      "path": "schedule/1A/paragraph/1",
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      "extent": null,
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      "path": "schedule/2",
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      "heading": "Information about the employer and employee",
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      "heading": "Information about payments to the employee, etc",
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