---
title: "The Education (Student Loans) (Repayment) (Amendment) Regulations 2026"
id: 125ec047-70af-4c04-bdd7-cd77813c1d82
authority: uk
place: "United Kingdom"
applies_also_from: []
kind: regulation
in_force: true
publisher_url: https://www.legislation.gov.uk/uksi/2026/743
attribution: "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
solon_url: https://solon.orangecat.ch/law/125ec047-70af-4c04-bdd7-cd77813c1d82
language: en
in_force_from: 2026-09-01
date_basis: publisher
status: consolidated
source_url: https://www.legislation.gov.uk/uksi/2026/743/data.xml
read_on: 2026-11-10
sha256: f416560f658430ecf073b902dce85dca75d65fed8110a9f3828dc2429a969a7f
provisions: 4
---

# The Education (Student Loans) (Repayment) (Amendment) Regulations 2026

## Title and introductory text {#prelims}

2026 No. 743
EDUCATION, ENGLAND AND WALES
The Education (Student Loans) (Repayment) (Amendment) Regulations 2026
Made
2nd July 2026
Laid before Parliament
6th July 2026
Laid before Senedd Cymru
6th July 2026
Coming into force
1st September 2026
The Secretary of State makes these Regulations in relation to England in exercise of the powers conferred by sections 22(2)(g), (3)(a) and 42(6) of the Teaching and Higher Education Act 1998.
The Welsh Ministers make these Regulations in relation to Wales in exercise of the powers conferred by sections 22(2)(g), (3)(a) and 42(6) of the Teaching and Higher Education Act 1998.

## 1 Citation, commencement and extent {#regulation-1}

These Regulations—
(a) may be cited as the Education (Student Loans) (Repayment) (Amendment) Regulations 2026,
(b) come into force on 1st September 2026, and
(c) extend to England and Wales.

## 2 Expiry {#regulation-2}

These Regulations expire at the end of 31st August 2027.

## 3 Amendment of the Education (Student Loans) (Repayment) Regulations 2009 {#regulation-3}

(1) The Education (Student Loans) (Repayment) Regulations 2009 are amended in accordance with paragraphs (2) and (3).
(2) In regulation 21A (interest rate on plan 2 loans)—
(a) in paragraph (2), after “(4)” insert “, (4A)”;
(b) in paragraph (2A), for “(2B) and (2C)” substitute “(2B), (2C) and (4A)”;
(c) in paragraph (2D), for “(2E) and (2F)” substitute “(2E), (2F) and (4A)”;
(d) in paragraph (4), for “During” substitute “Subject to paragraph (4A), during”;
(e) after paragraph (4), insert—
(4A) Where, at any time during the period commencing with 1st September 2026 and ending at the end of 31st August 2027, the annual percentage rate of charge determined under paragraph (2)(a), (b)(ii) or (iii), (c)(ii) or (iii) or (d), (2A)(a)(ii) or (iii), (b)(ii) or (iii) or (c), (2D)(b) or (c), or (4) exceeds 6%, the annual percentage rate of charge is deemed to be 6%.
.
(3) In regulation 21B (interest rate on plan 3 loans)—
(a) in paragraph (1), for “The”, in the first place it occurs, substitute “Subject to paragraph (1A), the”;
(b) after paragraph (1), insert—
(1A) Where, at any time during the period commencing with 1st September 2026 and ending at the end of 31st August 2027, the interest rate determined under paragraph (1) exceeds 6%, the interest rate is deemed to be 6%.
.