Your 30-year debt lifecycle and AI-resilience risk, calculated.
01 — YOUR SCENARIO
Selected: Physics · 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
YELLOW
Physics pays back eventually, but slower than it should — and automation risk isn't negligible.
Break-even point
10 yrs post-grad
Total borrowed at grad
£51,750
Balance after 20 yrs
£43,692
🔒 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 £99,969 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
£24k
£423
£54k
Year 2
£35k
£28k
£923
£57k +4%
Year 5
£44k
£33k
£2k
£59k +4%
Year 10
£54k
£39k
£3k
£58k -2%
Year 20
£66k
£45k
£4k
£44k -24%
Year 30
£81k
£52k
£5k
£11k -75%
🔒 Years 10 / 20 / 30 unlock with the full report
05 — DEGREE PATH VS. ALTERNATIVE PATH
Physics 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 13 (10 yrs post-grad)
06 — AI-RESILIENCE
LOW RISK
automation exposure for Physics
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.