📚 UK Student Loan Repayment Plans: Annual Repayment Thresholds Year by Year | 不同还款计划的历年年度还款门槛分别是多少
If you are applying to a UK university, you already know the tuition fee figure. What most applicants do not know is that the student loan you take out is assigned a repayment plan - Plan 1, Plan 2, Plan 4, Plan 5 or the Postgraduate Loan - and each plan has its own annual repayment threshold that has changed, sometimes dramatically, year after year. This article sets out the published annual thresholds for every plan, explains the difference between annual and monthly thresholds, and shows how the same salary produces five completely different monthly repayments depending on which plan you are on.
如果你正在申请英国大学，学费数字你大概已经很清楚了。但大多数申请者并不知道：你借的学生贷款会被归入某个还款计划——计划一、计划二、计划四、计划五或研究生贷款——而每个计划都有自己的年度还款门槛，且这些门槛逐年变化，有时变化幅度还相当大。本文将逐一列出各计划历年公布的年度还款门槛，解释年度门槛与月度门槛的区别，并展示同样的薪水在不同计划下会产生五种完全不同的月度还款额。
1. The Five Repayment Plans at a Glance | 五种还款计划概览
Your repayment plan is not chosen by you. It is determined by where in the UK you studied, when you started your course, and whether your loan was for undergraduate or postgraduate study. Before looking at thresholds, make sure you know which plan applies to you, because the thresholds differ by thousands of pounds.
你的还款计划不是你自由选择的。它由你在英国哪里就读、什么时候开始课程、以及贷款是本科还是研究生决定。在看门槛数字之前，先确认自己属于哪个计划，因为不同计划之间的门槛差距可以达到数千英镑。
- Plan 1 - England and Wales undergraduate courses starting before 1 September 2012, and all Northern Ireland undergraduate courses. / 计划一：2012 年 9 月 1 日之前开课的英格兰和威尔士本科课程，以及北爱尔兰全部本科课程。
- Plan 2 - England and Wales undergraduate courses starting on or after 1 September 2012 (England moved to Plan 5 in 2023; Wales did not). / 计划二：2012 年 9 月 1 日及之后开课的英格兰和威尔士本科课程（英格兰 2023 年转入计划五，威尔士没有）。
- Plan 4 - Undergraduate courses in Scotland. / 计划四：苏格兰的本科课程。
- Plan 5 - England undergraduate courses starting on or after 1 August 2023. / 计划五：2023 年 8 月 1 日及之后开课的英格兰本科课程。
- Postgraduate Loan (PGL) - Master's and doctoral loans across the UK. / 研究生贷款（PGL）：全英的硕士和博士贷款。
A quick check: your plan code appears on your payslip under the student loan section, and on your Student Loans Company online account. If you have studied at more than one level or in more than one nation, you can hold more than one plan at the same time - and you will repay on both.
一个快速确认方法：你的计划代码会出现在工资单的学生贷款栏目里，也会出现在学生贷款公司（SLC）的在线账户中。如果你在不同阶段或不同地区读过书，你有可能同时拥有多个计划——而且需要同时偿还。
2. Plan 1 Annual Repayment Thresholds, Year by Year | 计划一历年年度还款门槛
Plan 1 is the oldest surviving plan. Its threshold is uprated each year, normally in line with the Retail Prices Index (RPI) measured the previous September, and it has historically stayed well below the Plan 2 threshold. The table below shows the annual threshold for each repayment year, which runs from 6 April to 5 April.
计划一是现存最古老的计划。它的门槛每年上调，通常参照前一年 9 月公布的零售物价指数（RPI），历史上一直明显低于计划二的门槛。下表列出每个还款年度的年度门槛，还款年度从 4 月 6 日到次年 4 月 5 日。
| Repayment year / 还款年度 | Plan 1 annual threshold / 计划一年度门槛 | Approx. monthly / 约合月度 |
| 2012-13 | £15,795 | £1,316 |
| 2013-14 | £16,365 | £1,363 |
| 2014-15 | £16,910 | £1,409 |
| 2015-16 | £17,335 | £1,444 |
| 2016-17 | £17,495 | £1,457 |
| 2017-18 | £17,775 | £1,481 |
| 2018-19 | £18,330 | £1,527 |
| 2019-20 | £18,935 | £1,577 |
| 2020-21 | £19,390 | £1,615 |
| 2021-22 | £19,895 | £1,657 |
| 2022-23 | £20,195 | £1,682 |
| 2023-24 | £22,015 | £1,834 |
| 2024-25 | £24,990 | £2,082 |
| 2025-26 | £26,900 | £2,241 |
Notice the pattern: between 2012-13 and 2022-23 the Plan 1 threshold crept up by only about £4,400 in ten years, an average rise of roughly 2.5% a year. Then it jumped by 9% in 2023-24 and by 13.5% in 2024-25, because RPI itself spiked. Threshold uprating is mechanical, and the timing of your graduation matters enormously.
注意这个规律：从 2012-13 到 2022-23 的十年间，计划一的门槛只上涨了约 4,400 英镑，年均涨幅约 2.5%。随后 2023-24 一次性上涨 9%，2024-25 再涨 13.5%，原因是 RPI 本身飙升。门槛上调是机械性的，而你毕业的时点对结果影响极大。
3. Plan 2 Annual Repayment Thresholds, Year by Year | 计划二历年年度还款门槛
Plan 2 is the plan that applies to most current undergraduates from England who started between 2012 and 2023, and still applies to Welsh undergraduates. It began with a threshold of £21,000 that was frozen for six years, then was raised sharply in 2018, uprated annually, and then deliberately frozen again for three years.
计划二适用于 2012 至 2023 年间入学的绝大多数英格兰本科生，目前仍适用于威尔士本科生。它最初的门槛是 21,000 英镑，被冻结了六年，2018 年被大幅上调，随后每年按通胀调整，之后又被刻意冻结了三年。
| Repayment year / 还款年度 | Plan 2 annual threshold / 计划二年度门槛 | Approx. monthly / 约合月度 |
| 2012-13 to 2017-18 | £21,000 (frozen / 冻结) | £1,750 |
| 2018-19 | £25,000 | £2,083 |
| 2019-20 | £25,725 | £2,143 |
| 2020-21 | £26,575 | £2,214 |
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