Before applying for student finance, its important that you understand the terms and conditions of your loan. Our guide will help you understand your loan contract, your repayment plan type, how youll repay your loan and how to contact us if youre not satisfied.
Updates to this page
Published 1 March 2021 Last updated 11 February 2025 +show all updates
2025 to 2026 terms and conditions have been added
Removed 2022 to 2023 and updated 2024 to 2025 guide to terms and conditions.
Terms and conditions have been added for 2024 to 2025
Updated Student Loans Company address from 100 Bothwell Street, Glasgow, G2 7JD to 10 Clyde Place, Glasgow, G5 8DF
The 2023/24 guide has been updated with new repayment threshold information.
A guide to terms and conditions for the 2023/24 academic year have been added
Updated HTML for academic year 2022 to 2023 to reference and include guidance for Higher Education Short Course Loans content.
Updated HMTL Terms and Conditions for 2021 to 2022 and 2022 to 2023, to highlight acronyms.
Updates have been made to the repayment thresholds in the 2022 to 2023 Terms and Conditions Guide
Added guide for terms and conditions 2022 to 2023.
Additional amendment to section 5.7 interest rates.
Adjustments made to interest rates in sections; 4.1, 5.7 and 6.12.
Converted the PDF document to a HTML.
Added updated terms and conditions guide for new tax year.