Reduced monthly instalments

Is your monthly instalment more than you can afford? Are you unable to make repayments for a while, or only able to pay less than usual? In such situations, it is important to avoid falling into arrears. You can:

  1. ask us to reduce your monthly instalments in line with your income.
  2. request a payment free period (not possible for a lifelong learning credit).
  3. have your repayments stopped temporarily because you are in education.

In many cases, DUO automatically takes your income into account. This means that your monthly instalments can fall. But sometimes you have to request a reduction yourself. This depends upon the repayment rules you fall under.

Payment free period

You can temporarily stop paying off your student loan. It does not matter what your reason is. This is called a payment free period. You cannot use a payment free period for a lifelong learning credit.

You are still in education

If you are on a course for which you receive student finance, we stop your repayments automatically. Otherwise, you must meet a number of conditions.

You are detained

Even if you are detained, you need to pay back your student loan. Are you unable to do so? Request a reduction of your monthly instalments or a payment free period.