For students starting Sept 2023 onward · threshold £25,000 from April 2026 · interest RPI (3.2%) · written off after 40 yrs · gov.uk ↗
02 — THE VERDICT
YELLOW
Biosciences pays back eventually, but slower than it should — and automation risk isn't negligible.
Break-even point
12 yrs post-grad
Total borrowed at grad
£51,750
Balance after 20 yrs
£72,811
🔒 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
Gross salary
Loan balance
Still £70,075 owed at year 30 — written off entirely at year 40 under Plan 5, after paying £85,904 in repayments.
+35% 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
£24k
£21k
—
£54k
Year 2
£28k
£23k
£241
£58k +6%
Year 5
£33k
£27k
£738
£62k +8%
Year 10
£40k
£31k
£1k
£68k +9%
Year 20
£49k
£37k
£2k
£73k +8%
Year 30
£60k
£42k
£3k
£70k -4%
🔒 Years 10 / 20 / 30 unlock with the full report
05 — DEGREE PATH VS. ALTERNATIVE PATH
Biosciences doesn't strictly require a degree to enter. Cumulative net earnings, degree route vs. direct work / apprenticeship — the crossover is the moment the degree route pulls ahead.
Y0Y15Y30
Degree path (cumulative)
Alternative path (cumulative)
Crosses over at year 15 (12 yrs post-grad)
06 — AI-RESILIENCE
LOW RISK
automation exposure for Biosciences
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.