{
  "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20A",
  "json_url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-20A.json",
  "legislation": "uksi/2009/470",
  "legislation_title": "The Education (Student Loans) (Repayment) Regulations 2009",
  "legislation_url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009",
  "path": "regulation/20A",
  "kind": "regulation",
  "number": "20A",
  "heading": "Excess payments: more than one loan",
  "text": "(1) This regulation applies where—\n(a) a borrower has a dual-plan loan, and\n(b) the Authority receives a direct payment from the borrower or a repayment from HMRC under Part 3 or 4—\n(i) which results in one of the loans being repaid in full; or\n(ii) when one of the loans has already been repaid in full.\n(2) Where the amount of the excess payment exceeds £10, the Authority must give notice to the borrower that—\n(a) the Authority intends to treat the excess payment as a direct payment ... for the second loan, unless the borrower notifies the Authority, within 60 days of the date of the Authority’s notice, that the excess payment should be refunded to the borrower; and\n(b) interest will accrue on a refund from the date of receipt of the repayment until the earlier of—\n(i) a period of 60 days after the Authority issues the notice; or\n(ii) the date on which the Authority makes the refund to the borrower.\n(3) The Authority must treat any excess payment as a direct payment to the Authority ... for the second loan, unless the borrower gives notice to the Authority in accordance with paragraph (2)(a).\n(4) Where the borrower gives notice to the Authority in accordance with paragraph (2)(a) that the excess payment should be refunded, the Authority must refund the excess payment and any accrued interest to the borrower.\n(5) A refund under paragraph (4) carries interest calculated as if it were the principal of the fully repaid loan, outstanding from the date of receipt of the repayment to the earlier of—\n(a) the end of a period of 60 days after the Authority issues a notice, or\n(b) the date on which the Authority makes the refund to the borrower,\nafter which period no interest will accrue.\n(6) In this regulation—\n“dual-plan loan” means any two of the following—\n(a)a plan 1 loan;\n(b)a plan 2 loan;\n(c)a plan 3 loan;\n(d)a plan 4 loan;\n(e)a plan 5 loan;\n“fully repaid loan” means a loan that has been repaid in full in the circumstances described in paragraph (1);\n“second loan” means the loan that remains unpaid in those circumstances;\n“excess payment” means the amount of the repayment described in paragraph (1)(b) which is not required to repay the fully repaid loan.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Reg. 20A inserted (5.9.2017) by The Repayment of Student Loans and Postgraduate Master’s Degree Loans (Amendment) Regulations 2017 (S.I. 2017/831), regs. 1(1), 13"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Reg. 20A(1)(a) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(1)(a)"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words in reg. 20A(1)(b) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(1)(b)(i)"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Words in reg. 20A(1)(b) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(1)(b)(ii)"
    },
    {
      "type": "F",
      "label": "F5",
      "text": "Words in reg. 20A(2)(a) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(2)"
    },
    {
      "type": "F",
      "label": "F6",
      "text": "Words in reg. 20A(3) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(2)"
    },
    {
      "type": "F",
      "label": "F7",
      "text": "Sub-paragraph numbers in reg. 20A(6) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(3)(a)"
    },
    {
      "type": "F",
      "label": "F8",
      "text": "Words in reg. 20A(6) inserted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 21(3)(b)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2009/470/regulation/20A",
    "retrieved_at": "2026-10-29T03:16:41.591721+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}