Your 30-year debt lifecycle and AI-resilience risk, calculated.
01 — YOUR SCENARIO
Selected: Politics · 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
Politics 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
£59,784
🔒 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 £42,685 owed at year 30 — written off entirely at year 40 under Plan 5, after paying £114,499 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
£26k
£22k
£90
£54k
Year 2
£30k
£25k
£486
£57k +6%
Year 5
£37k
£29k
£1k
£61k +6%
Year 10
£47k
£36k
£2k
£64k +5%
Year 20
£58k
£41k
£3k
£60k -6%
Year 30
£70k
£47k
£4k
£43k -29%
🔒 Years 10 / 20 / 30 unlock with the full report
05 — DEGREE PATH VS. ALTERNATIVE PATH
Politics 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 Politics
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.