Your 30-year debt lifecycle and AI-resilience risk, calculated.
01 — YOUR SCENARIO
Selected: Business (generic) · typical course length 3 yrs
Repayment plan
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
RED
Business (generic) either never breaks even against the alternative path, or sits in a high AI-displacement bracket. Proceed with eyes open.
Break-even point
29 yrs post-grad
Total borrowed at grad
£51,750
Balance after 20 yrs
£60,153
🔒 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 £42,084 owed at year 30 — written off entirely at year 40 under Plan 5.
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
Loan balance
Year 0
£24k
£21k
£54k
Year 2
£29k
£24k
£58k
Year 5
£36k
£28k
£62k
Year 10
£48k
£36k
£65k
Year 20
£59k
£41k
£60k
Year 30
£71k
£48k
£42k
🔒 Years 10 / 20 / 30 unlock with the full report
05 — DEGREE PATH VS. ALTERNATIVE PATH
Business (generic) 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 32 (29 yrs post-grad)
06 — AI-RESILIENCE
MEDIUM RISK
automation exposure for Business (generic)
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.