{
  "url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-29",
  "json_url": "https://openlegislation.uk/education-student-loans-repayment-regulations-2009/regulation-29.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/29",
  "kind": "regulation",
  "number": "29",
  "heading": "Time for and amount of repayments",
  "text": "(1) Every borrower who has received a notice from the Authority of a requirement to make repayments of a student loan ... under regulation 15(3)(a) must make repayment in respect of any tax year—\n(a) which is specified in a notice under regulation 15(3)(a) or which, subject to paragraph (2), is any subsequent year up to and including any year specified in a notice under regulation 15(3)(d); and\n(b) for which the borrower has been required to make and deliver a return under section 8 of the 1970 Act.\n(2) A borrower will not be required to make repayments in respect of any tax year specified in a notice under regulation 15(3)(c) or any subsequent year falling before a year specified in a subsequent notice under regulation 15(3)(a).\n(3) The repayment must be an amount equal to—\n(a) in the case of a plan 1, 2, 4 or 5 loan, 9% of the borrower’s total income for that year,\n(b) in the case of a plan 3 loan, 6% of the borrower’s total income for that year,\ncalculated in accordance with paragraph (4).\n(3A) The repayment under paragraph (3)(b) is additional to, and concurrent with, any repayment under paragraph (3)(a).\n(4) A borrower’s total income for the purposes of paragraph (3) will be calculated by identifying the borrower’s total income in accordance with step 1 of section 23 of the 2007 Act and from that total income:\n(a) excluding the repayment threshold;\n(b) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(c) excluding unearned income unless the amount of such income for that year exceeds £2,000;\n(d) excluding incapacity benefit payable under the Social Security Contributions and Benefits Act 1992;\n(e) excluding amounts chargeable to tax under Chapters 5, 6, 7 or 10 of Part 3 of the 2003 Act (benefits in kind);\n(f) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(g) excluding Employment and Support Allowance paid under the Welfare Reform Act 2007;\n(h) deducting the amount of any loss in respect of which relief is given under any of the following—\n(i) section 64 of the 2007 Act (trade loss relief against general income);\n(ii) section 83 of the 2007 Act (carry-forward trade loss relief);\n(iii) section 118 of the 2007 Act (carry-forward property loss relief);\n(iv) section 120 of the 2007 Act (property loss relief against general income);\n(v) section 128 of the 2007 Act (in respect of losses in an employment); and\n(i) deducting the amount of any payment in respect of which relief is given under section 96 of the 2007 Act (relief for post-cessation expenditure);\n(j) deducting any amounts in respect of which relief is given under Part 4 Chapter 4 of the Finance Act 2004 (pension schemes etc) and that have not been included in the calculation of total income at step 1 of section 23 of the 2007 Act.\n(5) For the purposes of this regulation, unearned income is income other than—\n(a) income charged under the provisions of either the 2003 Act or Part 2 of the Income Tax (Trading and Other Income) Act 2005 except jobseeker’s allowance to which Chapter 3 of Part 10 of the 2003 Act applies; and\n(b) the profits of a UK furnished holiday lettings business within the meaning of section 127(2) of the 2007 Act.\n(5A) If a borrower is required to repay a combination of plan 1, 2, 4 or 5 loans, the repayment threshold for the loan with the lowest repayment threshold applies.\n(5B) In this regulation—\n“the 2007 Act” means the Income Tax Act 2007;\n“jobseeker’s allowance” has the meaning given in section 1(1) of the Jobseekers Act 1995.\n(6) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(7) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(8) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(8A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(8B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(9) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in reg. 29(1) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(1)"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Reg. 29(3) substituted (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), 20(3)"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words in reg. 29(3)(a) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(2)(a)"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Words in reg. 29(3)(b) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(2)(b)"
    },
    {
      "type": "F",
      "label": "F5",
      "text": "Reg. 29(3A) 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), 20(4)"
    },
    {
      "type": "F",
      "label": "F6",
      "text": "Word in reg. 29(3A) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(3)(a)"
    },
    {
      "type": "F",
      "label": "F7",
      "text": "Words in reg. 29(3A) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(3)(b)"
    },
    {
      "type": "F",
      "label": "F8",
      "text": "Words in reg. 29(4)(a) substituted (6.4.2011) by The Education (Student Loans) (Repayment) (Amendment) Regulations 2011 (S.I. 2011/784), regs. 1(1), 6(a)"
    },
    {
      "type": "F",
      "label": "F9",
      "text": "Reg. 29(4)(b) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(4)"
    },
    {
      "type": "F",
      "label": "F10",
      "text": "Reg. 29(4)(f) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(4)"
    },
    {
      "type": "F",
      "label": "F11",
      "text": "Reg. 29(4)(h) substituted (6.4.2010) by The Education (Student Loans) (Repayment) (Amendment) Regulations 2010 (S.I. 2010/661), regs. 1(1), 3"
    },
    {
      "type": "F",
      "label": "F12",
      "text": "Words in reg. 29(5) substituted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(5)"
    },
    {
      "type": "F",
      "label": "F13",
      "text": "Reg. 29(5A)(5B) inserted (6.4.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(6)"
    },
    {
      "type": "F",
      "label": "F14",
      "text": "Reg. 29(6)-(10) omitted (6.4.2023) by virtue of The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022 (S.I. 2022/1335), regs. 2(2), 33(7)"
    },
    {
      "type": "I",
      "label": "I1",
      "text": "Reg. 29 in force at 6.4.2009, see reg. 1(1)"
    },
    {
      "type": "footnote",
      "label": "f1",
      "text": "1992 c.4"
    },
    {
      "type": "footnote",
      "label": "f2",
      "text": "2007 c.5"
    },
    {
      "type": "footnote",
      "label": "f3",
      "text": "2004 c.12"
    },
    {
      "type": "footnote",
      "label": "f4",
      "text": "The requirements to ‘exclude’ certain income and to ‘deduct’ other sources of income from a borrower’s total income for the purposes of student loan repayments reflects the structure of section 23 of the 2007 Act."
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2009/470/regulation/29",
    "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."
}