Regulation 2 InterpretationI1

In these Regulations–

• “the Act” means the Education (Scotland) Act 1980^f1;

• F1...

• “borrower” means a person to whom the Scottish Ministers have lent money pursuant to regulations made under section 73 of the Act and who has not received a notice from them that it has been repaid in full or cancelled;

• “Collection Regulations” means the F2Education (Student Loans) (Repayment) Regulations 2009;

• F3“continuous programme of higher education” means a programme of education undertaken by an individual comprising–

  1. (a)

     either–

     1. (i)

        a course leading to a Higher National Certificate immediately followed by a course leading to a Higher National Diploma (disregarding any intervening vacation); or

     2. (ii)

        a course leading to a Higher National Diploma; and

  2. (b)

     a course of higher education not of a kind referred to in paragraph (a) above which commences in the academic year immediately following the end of the course referred to in paragraph (a) or in the following academic year;

• “disability related benefit” means long term incapacity benefit or short term incapacity benefit at the higher rate, severe disablement allowance, disability living allowance, F4Scottish adult disability living allowance given in accordance with the Disability Assistance (Scottish Adult Disability Living Allowance) Regulations 2025, short-term assistance given in accordance with Part 1 of schedule 1 (short-term assistance) of those Regulations, industrial injuries benefit and disability working allowance, all payable under the Social Security Contributions and Benefits Act 1992^f2, F5an employment and support allowance payable under Part 1 of the Welfare Reform Act 2007 F6, personal independence payment payable under Part 4 of the Welfare Reform Act 2012 F7, armed forces independence payment under the Armed Forces and Reserve Forces (Compensation Scheme) Order 2011 F8 , child disability payment given in accordance with the Disability Assistance for Children and Young People (Scotland) Regulations 2021, short-term assistance given in accordance with Part 1 of the schedule (short-term assistance) of those Regulations F9, adult disability payment given in accordance with the Disability Assistance for Working Age People (Scotland) Regulations 2022 (“the 2022 Regulations”), short-term assistance given in accordance with Part 1 of schedule 2 (short-term assistance) of the 2022 Regulations or the amount of any disability premium and severe disability premium included in the applicable amount in calculating the income support payable under the Income Support (General) Regulations 1987^f3;

• F10“HMRC” means Her Majesty’s Revenue and Customs;

• “Loan Regulations” means the Education (Student Loans) (Scotland) Regulations 1999^f4;

• “repayment” means a repayment of a student loan;

• F11“repayment threshold” means—

  1. (a)

     for the year of assessment ending on F125 April 2022, an amount equal to F13£25,000 + (£25,000 x Y%) and rounded up to the nearest £5 where Y is the percentage increase between the retail prices all items index published by the Office of National Statistics for the two Marches immediately before the commencement of that year of assessment;

  2. (b)

     for any year of assessment ending after F146 April 2022 F15..., an amount equal to X + (X x Y%) and rounded up to the nearest £5 where—

     X is the repayment threshold for the previous year of assessment, and

     Y is the percentage increase between the retail prices all items index published by the Office of National Statistics for the two Marches immediately before the commencement of the previous year of assessmentF16...

  3. (c)

     ...

• “Scottish Ministers” includes any person exercising functions on their behalf pursuant to arrangements made under section 73A(3) of the Act^f5;

• “student loan” means the total outstanding principal, interest, penalties and charges owed by a borrower to the Scottish Ministers pursuant to these or any other regulations made under section 73 of the Act, excluding any interest, penalties or charges payable under F17Part 3 or 4 of the Collection Regulations;

• “the 2007 Regulations” means the Education (Student Loans) (Scotland) Regulations 2007

• “year of assessment” means the period 6th April to the following 5th April.