PayBreakdown - Salary Calculator & Budget Manager
Can I have a postgraduate loan and a student loan repayment?
Some borrowers can repay a postgraduate loan alongside another student loan plan, so both deductions may affect take-home pay.
What this page helps with
Yes, depending on your loans, a postgraduate loan can be repaid alongside another plan. In a salary calculator, this means the postgraduate loan toggle may need to be combined with Plan 1, 2, 4, or 5.
Official sources
Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay ratesLast updated 2026-05-07. Planning estimates only. Not financial advice.