University Debt Time Bomb
Estimate how long your student debt could follow you.
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University debt time bomb guide for UK graduates
WeCovr's university debt time bomb calculator helps UK graduates estimate repayment timelines, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains student debt basics.
What this student debt calculator estimates
The calculator estimates how long student debt may remain based on balance, salary, and interest assumptions.
It provides a simplified projection and does not replace official repayment statements.
Projects repayment timeline.
Estimates total interest paid.
Highlights remaining balance risks.
Why assumptions change outcomes
Interest rates, salary growth, and thresholds vary over time, so update inputs regularly.
Why WeCovr supports earnings planning
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references Student Loans Company guidance and UK repayment thresholds.
Repayment outlook
| Assumption | Effect | Example | Notes |
|---|---|---|---|
| Higher salary growth | Faster payoff | 3-5% growth | Depends on field |
| Higher interest | Slower payoff | 6%+ rate | Adds interest |
| Higher threshold | Lower repayments | Plan changes | Check updates |
Related WeCovr resources
FAQs
Is this an official repayment forecast?
No. It is a simplified projection and should be checked against official statements.
Does it include write-off rules?
No. Write-off terms vary by plan and are not modeled.
Can I overpay?
Some borrowers can make voluntary payments, but check the implications first.
Should I update inputs yearly?
Yes. Salary and interest changes can materially affect results.