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
Mathematics 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
£44,082
🔒 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
Projected clear: loan fully repaid by year 33 post-grad, after paying £100,328 in repayments.
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
£30k
£25k
£441
£54k
Year 2
£36k
£28k
£945
£57k +4%
Year 5
£44k
£33k
£2k
£59k +3%
Year 10
£54k
£39k
£3k
£58k -2%
Year 20
£65k
£45k
£4k
£44k -24%
Year 30
£80k
£52k
£5k
£12k -72%
🔒 Years 10 / 20 / 30 unlock with the full report
05 — DEGREE PATH VS. ALTERNATIVE PATH
Mathematics 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 Mathematics
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.