Terms of Use

Last Updated: January 2026

By accessing studentdebtcalculator.co.uk, you agree to be bound by these Terms of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.

1. Educational Use Only (Disclaimer)

The material provided on this website is for informational and educational purposes only.

  • Not Financial Advice: The information and calculations produced by this tool do not constitute financial advice, investment advice, or a recommendation to enter into any specific repayment strategy.
  • Consult a Professional: Before making significant financial decisions (such as paying off a lump sum of your student loan), you should consult with a qualified Independent Financial Advisor (IFA) who can assess your full personal circumstances.

2. Accuracy of Data

We strive to ensure our calculator logic matches the current UK Government and Student Loans Company (SLC) regulations for the 2025/26 tax year. However:

  • Government legislation regarding student loan interest rates, thresholds, and write-off periods can change retrospectively.
  • We do not warrant that the materials on this website are accurate, complete, or current.
  • We shall not be held liable for any errors, omissions, or for any actions taken based on the calculations provided by this tool.

3. Limitation of Liability

In no event shall Student Debt Calculator UK or its owners be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this website.

4. Intellectual Property

The underlying code, design, and calculation logic of the “UK Student Loan Financial Forecaster” are the intellectual property of studentdebtcalculator.co.uk. You may not:

  • Republish material from this website.
  • Sell, rent, or sub-license material from this website.
  • Reproduce, duplicate, copy, or otherwise exploit material on this website for a commercial purpose.

5. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United Kingdom and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

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