02 — THE VERDICT
RED
Architecture either never breaks even against the alternative path, or sits in a high AI-displacement bracket. Proceed with eyes open.
Break-even point
19 yrs post-grad
Total borrowed at grad
£86,250
Balance after 20 yrs
£122,230
🔒 unlock to view
03 — SALARY VS. LOAN BALANCE
Yearly gross salary against your loan balance — rising with interest, falling with repayments, until it's cleared or written off.
Y0Y15Y30
Still £122,719 owed at year 30 — written off entirely at year 40 under Plan 5, after paying £132,920 in repayments.
+42% above what you borrowed
04 — YEAR-BY-YEAR BREAKDOWN
The material impact, spelled out: gross salary, take-home after the 9% graduate tax, and what's still owed.
| Year | Gross | Take-home | Repayment | Loan balance |
|---|
| Year 0 | £31k | £25k | £522 | £93k |
| Year 2 | £35k | £28k | £889 | £98k +5% |
| Year 5 | £41k | £32k | £1k | £104k +7% |
| Year 10 | £51k | £38k | £2k | £113k +8% |
| Year 20 | £62k | £43k | £3k | £122k +9% |
| Year 30 | £76k | £50k | £5k | £123k +0% |
🔒 Years 10 / 20 / 30 unlock with the full report
05 — AI-RESILIENCE
LOW RISK
automation exposure for Architecture
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.
Unlock the full audit
✓Full AI-resilience score + confidence rating
✓Years 10 / 20 / 30 salary & loan balance breakdown
✓Net-worth drag — LISA & ISA compounding, 10/20/30yr
✓Verdict summary + similar-field suggestions
✓Exportable Career Blueprint (Google Sheets + PDF)