Use the controls to adjust the amount of loan and disposable income amount. Then, watch the minimum monthly repayment and time required to pay back loan change. This calculator caters for people that have started in higher education on or after 1st September 1998. Please note that the minimum threshold for a monthly repayment is calculated as 9% of disposable income over £15,000. All figures are based on the real value, and not the net numerical value. Please note that the calculator does NOT take account of interest or inflation. The student loans calculator is a product of MSN Money UK and its partner Digita. If you want further information regarding student loans, look at the Student Loans Company website