The Education (Student Loans) (Repayment) (Amendment) (No. 4) Regulations 2022

[^f00014]: S.I. 2012/1818, amended by S.I. 2014/290, 1766, 2015/181, 2016/238, 584, 2017/336, 2018/182, 2019/142, 983, 2020/48, 1181, 1203, 2021/127, 929, 1348, 2022/57, 354, and 534.

[^f00015]: S.I. 2022/349, amended by S.I. 2022/534.

[^f00016]: If the Scottish Ministers so determine, the Authority must notify His Majesty’s Revenue and Customs and the borrower (see regulation 15(3)).

[^f00017]: S.I. 2000/944, amended by S.I. 2001/971, 2002/2087, 2004/1175, 2752, 2005/2690, 2006/745, 2009, 2007/1983, 3509 (W. 308), 2008/1879, 2715, 2009/56; revoked on 6th April 2009 by S.I. 2009/470.

[^f00018]: The world development indicator is published at https://data.worldbank.org/indicator/PA.NUS.PPPC.RF.

[^f00019]: The percentage increase is published at https://www.ons.gov.uk/economy/inflationandpriceindices/timeseries/czbh/.

[^f00020]: S.I. 2001/544, amended by S.I. 2013/1881; other amending instruments are not relevant.

[^f00021]: The total charge for credit rules are published as part of the FCA Handbook, which is published at https://www.handbook.fca.org.uk/handbook.

[^f00022]: The application of repayments in relation to a plan 4 loan is determined in accordance with regulation 6 of the 2000 (Scotland) Regulations.

[^f00023]: The timing of repayments in relation to a plan 4 loan is determined in accordance with regulation 7 of the 2000 (Scotland) Regulations.

[^f00024]: The repayment of a plan 3 loan is additional to, and concurrent with, the repayment of a plan 1, 2, 4 or 5 loan (see regulation 29(3A), 44(2A) or 75(4A)).

[^f00025]: The cancellation of a plan 4 loan is determined in accordance with regulation 8 of the 2000 (Scotland) Regulations.

[^f00026]: A refund in relation to a plan 4 loan is determined in accordance with regulation 9 of the 2000 (Scotland) Regulations.

[^f00027]: The rate at which a student loan (other than a post-2012 student loan) bears interest is limited by regulation 21(2). The rate at which a Scottish student loan bears interest is determined in accordance with regulations made under the Education (Scotland) Act 1980.

[^f00028]: The rate at which a plan 1 loan bears interest is limited by regulation 21(2). The rate at which a plan 4 loan bears interest is determined in accordance with regulations made under the Education (Scotland) Act 1980.

[^f00029]: 2005 c. 5.

[^f00030]: 2007 c. 3.

[^f00031]: 1995 c. 18.

[^f00032]: 2004 c. 12. Section 71 was amended by Part 1 of Schedule 3 to the Corporation Tax Act 2009 (c. 4).

[^f00033]: The median salary for graduates is published at https://explore-education-statistics.service.gov.uk/find-statistics/graduate-labour-markets. Data published in a given calendar year is used to calculate the fixed instalment rate for the financial year beginning in the following calendar year.

[^f00034]: A borrower is not required to repay any part of a plan 5 loan on or before 5th April 2026 (see regulation 15(2BA)).

Editorial notes

[^key-b78f350188ccdc1664dd1da0cbc86eb6]: Reg. 4 in force at 16.1.2023, see reg. 2(1)(aa) (as inserted by S.I. 2022/1392, regs. 1(b), 3)

[^key-d987c50fc55acc8672ab88730a3380fe]: Reg. 2(1)(aa) inserted (15.1.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 5) Regulations 2022 (S.I. 2022/1392), regs. 1(b), 3

[^key-ae0e6520fc3bd8646f2c9804b1434980]: Words in reg. 3(a) substituted (15.1.2023) by The Education (Student Loans) (Repayment) (Amendment) (No. 5) Regulations 2022 (S.I. 2022/1392), regs. 1(b), 4

[^key-c9cc7387c4b2562ab7ec47ae87638aca]: Reg. 2 in force at 16.1.2023, see reg. 2(1)(a)

[^key-3e8fb03679a5a20356080030a30d15f0]: Reg. 3 in force at 16.1.2023, see reg. 2(1)(a)

[^key-89e82fe3f4e0298aa7e3ce6587de0b2b]: Reg. 22 in force at 16.1.2023, see reg. 2(1)(b)

[^key-fe2450e38b0922ecc892b2605112f8e5]: Reg. 25(13)(15) in force at 16.1.2023, see reg. 2(1)(c)

[^key-d2ecc9133fa9f866b8af08e9c506ea8c]: Reg. 27(4)(5) in force at 16.1.2023, see reg. 2(1)(d)

[^key-085414f84cd477c3de4da1d0433cd667]: Reg. 66 in force at 16.1.2023, see reg. 2(1)(e)

[^key-70f05a050b23faa26a8de6e5b6b58b50]: Reg. 1 in force at 16.1.2023, see reg. 2(1)(a)

[^key-b139da06653409cb8d562ec1d3a77c63]: Reg. 25(1)-(12), (14), (16)-(18) in force at 6.4.2023, see reg. 2(2)

[^key-d813dbf076409497c717adb71c25106d]: Reg. 27(1)-(3), (6) in force at 6.4.2023, see reg. 2(2)

[^key-c58d6d18f6ac49ca10385a7ec618a58d]: Reg. 5 in force at 6.4.2023, see reg. 2(2)

[^key-784c62456eb06562f61e1c4f6ec5dfc5]: Reg. 6 in force at 6.4.2023, see reg. 2(2)

[^key-ac8725b035395b21bac015c052126862]: Reg. 7 in force at 6.4.2023, see reg. 2(2)

[^key-ec0a25d613cdb14e8cb25ce04ef788ed]: Reg. 8 in force at 6.4.2023, see reg. 2(2)

[^key-122110eeb0a988524945554d85ea2af5]: Reg. 9 in force at 6.4.2023, see reg. 2(2)

[^key-c305257c628c5a78766dcb9cf32b183a]: Reg. 10 in force at 6.4.2023, see reg. 2(2)

[^key-95c5291bc5e499fa9bfd58826bc7996c]: Reg. 11 in force at 6.4.2023, see reg. 2(2)

[^key-32b9fc110456fadc19329fd25d2ad7b5]: Reg. 12 in force at 6.4.2023, see reg. 2(2)

[^key-0c9d889c58efe328ee32c3776cf36753]: Reg. 13 in force at 6.4.2023, see reg. 2(2)

[^key-4a9e72509255aaa69d1cdd0cf33247c7]: Reg. 14 in force at 6.4.2023, see reg. 2(2)

[^key-33b5ce1c11aa91010eea2cf1959c3ce6]: Reg. 15 in force at 6.4.2023, see reg. 2(2)

[^key-b13d0d6d58d8d9da02e31dee682dcb60]: Reg. 16 in force at 6.4.2023, see reg. 2(2)

[^key-5674cf0f45325b4a3111480007c173b3]: Reg. 17 in force at 6.4.2023, see reg. 2(2)

[^key-d45e32db6c2e1cbdc73d52032e98e1af]: Reg. 18 in force at 6.4.2023, see reg. 2(2)

[^key-021d3c379973a27ed2ee25a56945decc]: Reg. 19 in force at 6.4.2023, see reg. 2(2)

[^key-2219262fd3bc463739056b3728792176]: Reg. 20 in force at 6.4.2023, see reg. 2(2)

[^key-1e58dcdab663a90970140a0b2506b459]: Reg. 21 in force at 6.4.2023, see reg. 2(2)

[^key-96fc85b4793c2c9fda34b3dc775d5007]: Reg. 23 in force at 6.4.2023, see reg. 2(2)

[^key-7233f38cd8f8bf10dc2dd062ece5d20c]: Reg. 24 in force at 6.4.2023, see reg. 2(2)

[^key-464e030006064bfb8aaf53983246a15c]: Reg. 26 in force at 6.4.2023, see reg. 2(2)

[^key-806e406862a10c942741c5b17b8ed433]: Reg. 28 in force at 6.4.2023, see reg. 2(2)

[^key-d242f91cb471c2762ceeaf6b3a8e6677]: Reg. 29 in force at 6.4.2023, see reg. 2(2)

[^key-84a4f3935e737ed89292c84fe7ebf531]: Reg. 30 in force at 6.4.2023, see reg. 2(2)

[^key-06459c1c080bc20a721f6cf32de465a1]: Reg. 31 in force at 6.4.2023, see reg. 2(2)

[^key-70c1ff4e99bbd3867b3ddf2532f4b120]: Reg. 32 in force at 6.4.2023, see reg. 2(2)

[^key-430a85b04333b19366552b986165caf0]: Reg. 33 in force at 6.4.2023, see reg. 2(2)

[^key-6ba219be91e9b42622a7cfa41743e27f]: Reg. 34 in force at 6.4.2023, see reg. 2(2)

[^key-b7ac6c02ba4b136941633fe39e7fe1ab]: Reg. 35 in force at 6.4.2023, see reg. 2(2)

[^key-9bab41f1ba981b075d9e1b0d232baa71]: Reg. 36 in force at 6.4.2023, see reg. 2(2)

[^key-8a635aba63a15f1854368ed1822037cc]: Reg. 37 in force at 6.4.2023, see reg. 2(2)

[^key-3dc82fe50fe32a84d469807372a0709c]: Reg. 38 in force at 6.4.2023, see reg. 2(2)

[^key-5a936e10b0c6f4cad81a86cca39a047f]: Reg. 39 in force at 6.4.2023, see reg. 2(2)

[^key-7a4f7257cd8a4091459ccd42e0c44ab1]: Reg. 40 in force at 6.4.2023, see reg. 2(2)

[^key-cc180ed304962215a5129b9de30f33ff]: Reg. 41 in force at 6.4.2023, see reg. 2(2)

[^key-277b62f8a81ea8c870123b2065dad9ae]: Reg. 42 in force at 6.4.2023, see reg. 2(2)

[^key-de92026753cc1cb3ba59673cd5e9a5f6]: Reg. 43 in force at 6.4.2023, see reg. 2(2)

[^key-c61ee3d7cacc525e1363e37c6dec8749]: Reg. 44 in force at 6.4.2023, see reg. 2(2)

[^key-db8e8591de7b7361758d86d9cb2045e9]: Reg. 45 in force at 6.4.2023, see reg. 2(2)

[^key-c995b09abeb31dc8f5e6e0dbfaa8eef2]: Reg. 46 in force at 6.4.2023, see reg. 2(2)

[^key-7b99f8b09db4d1b3ce7009d16b3789f9]: Reg. 47 in force at 6.4.2023, see reg. 2(2)

[^key-3f5d76b2afcbd20dc5eaec3f8a2e532f]: Reg. 48 in force at 6.4.2023, see reg. 2(2)

[^key-2b8b4cdfa2ca8be67a6b2e31d9bc7e75]: Reg. 49 in force at 6.4.2023, see reg. 2(2)

[^key-12c74318ce4498da9a269c96ab3d2694]: Reg. 50 in force at 6.4.2023, see reg. 2(2)

[^key-3e8203ed543c443c0bb5cdd32c7e7403]: Reg. 51 in force at 6.4.2023, see reg. 2(2)

[^key-196c59c319319733e2c77c0db6bd1cbd]: Reg. 52 in force at 6.4.2023, see reg. 2(2)

[^key-a9546f69cbf42b7c0ad823be86d63d08]: Reg. 53 in force at 6.4.2023, see reg. 2(2)

[^key-f8a33001bf744a5cc7711fec9440b86a]: Reg. 54 in force at 6.4.2023, see reg. 2(2)

[^key-d534e19d9981a7b29bf9d956a5f20dff]: Reg. 55 in force at 6.4.2023, see reg. 2(2)

[^key-3ff5da28746149c31ee597a3e8e4f16a]: Reg. 56 in force at 6.4.2023, see reg. 2(2)

[^key-ba7ad5521263c1a99329fa792fd09db5]: Reg. 57 in force at 6.4.2023, see reg. 2(2)

[^key-8cf3ad037af9146ebbdc828f00c7742d]: Reg. 58 in force at 6.4.2023, see reg. 2(2)

[^key-9a399779d25c240e5810d4c6fe02dcb4]: Reg. 59 in force at 6.4.2023, see reg. 2(2)

[^key-e289a10224aa756fb9f609612e99e8f2]: Reg. 60 in force at 6.4.2023, see reg. 2(2)

[^key-abecbab37d094fb84e35f2b643f0c9a6]: Reg. 61 in force at 6.4.2023, see reg. 2(2)

[^key-d960a234f855affbcea449b5c2f87f8d]: Reg. 62 in force at 6.4.2023, see reg. 2(2)

[^key-16b6de23dc573782c253ee4e6d83626e]: Reg. 63 in force at 6.4.2023, see reg. 2(2)

[^key-ba4b4bc37e29156399cba9accb01b827]: Reg. 64 in force at 6.4.2023, see reg. 2(2)

[^key-c99e52e01a30cd5f802c398d9eb5e326]: Reg. 65 in force at 6.4.2023, see reg. 2(2)

[^key-3f52bebf7b50e575752def87fad39dd0]: Reg. 67 in force at 6.4.2023, see reg. 2(2)

[^key-9b7e811a33f06fcfd6e8e2354aaae8e8]: Reg. 3(aa) inserted (1.6.2023) by The Education (Student Finance) (Miscellaneous Amendments) Regulations 2023 (S.I. 2023/521), regs. 1(1), 3(3)

[^key-d611580e90a4287057ae7423513053d9]: Words in reg. 3(a) omitted (1.6.2023) by virtue of The Education (Student Finance) (Miscellaneous Amendments) Regulations 2023 (S.I. 2023/521), regs. 1(1), 3(2)