02 — THE VERDICT
YELLOW
Teaching 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
£69,000
Balance after 20 yrs
£97,212
🔒 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
Still £97,012 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 | £28k | £23k | £73k |
| Year 2 | £32k | £26k | £77k |
| Year 5 | £38k | £30k | £83k |
| Year 10 | £45k | £34k | £89k |
| Year 20 | £55k | £40k | £97k |
| Year 30 | £67k | £46k | £97k |
🔒 Years 10 / 20 / 30 unlock with the full report
05 — AI-RESILIENCE
LOW RISK
automation exposure for Teaching
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.
Unlock the full audit
✓Full AI-resilience score + confidence rating
✓Years 10 / 20 / 30 salary & loan balance breakdown
✓Net-worth drag — LISA & ISA compounding, 10/20/30yr
✓Verdict summary + similar-field suggestions
✓Exportable Career Blueprint (Google Sheets + PDF)