Repaying student loans when you move overseas

If you are planning to live overseas or in the Republic of Ireland (RoI) for more than three months, let the Student Loans Company know as soon as possible. The amount you earn abroad before you start repaying your Student Loan may not be the same as in the UK.

Before you move overseas

If you are planning to live outside the UK for more than three months, you must update the Student Loans Company before you leave. You will be asked to complete an ‘Overseas Income Assessment Form’, giving details of your income and employment status. The Student Loans Company will then send you a letter that:

  • confirms whether repayments are due
  • if applicable, notes your monthly repayment amount
  • helps you to arrange direct repayments

If you do not update the Student Loans Company about your circumstances, you may incur penalties. If you move outside the UK for less than three months, you will continue to be treated as a UK taxpayer - you do not need to tell the Student Loans Company before you go.

Completing the Overseas Income Assessment Form

Completing an Overseas Income Assessment Form allows you to provide details of your circumstances and prospective income. When completing the form, remember:

You need a different form if you want to apply to postpone your Student Loan. See ‘Deferring repayment of your Student Loan’ to find out how to get a copy.

While you are overseas or in the Republic of Ireland

Every year, the Student Loans Company will automatically send you a reassessment form and letter, on the assumption that you stay overseas or in the Republic of Ireland (RoI).

Changes to your income

If your income rises or falls while you're  overseas or in the RoI and making student loan repayments, contact the Student Loans Company as your repayments need to be reassessed.

Student Loan repayment thresholds abroad or in the RoI

As with UK residents, once your income goes above the Student Loan repayment threshold, you will be required to make student loan repayments. You repay nine per cent of your total earnings over this threshold. However, because of differences in living costs, your repayment threshold when living abroad may not be the same as it is in the UK. Follow the link below to find repayment thresholds in different countries. These thresholds are updated each year to take account of price changes.

Returning to the UK

If you return to the UK for less than three months, you will continue to be treated as an overseas/RoI re-payer. However, if your time in the UK then exceeds three months, you must let the SLC know, as your repayment status will revert to that of a UK taxpayer. If you don’t update SLC, you may end up making repayments both by direct debit as an overseas re-payer and via Pay As You Earn (PAYE) if you find employment in the UK.

More useful links

Share this page

What do you want to do?
What is your question about?
Do you want a reply?
Your email address
To reply to you, we need your email address
Your feedback

We will not reply to your feedback.  Don't include any personal or financial information, for example National Insurance, credit card numbers, or phone numbers.

This feedback form is for issues with the nidirect website only.

You can use it to report a problem or suggest an improvement to a webpage.

If you have a question about a government service or policy, you should contact the relevant government organisation directly as we don’t have access to information about you held by government departments.

You must be aged 13 years or older - if you’re younger, ask someone with parental responsibility to send the feedback for you.

The nidirect privacy notice applies to any information you send on this feedback form.

Don't include any personal or financial information, for example National Insurance, credit card numbers, or phone numbers.

Plain text only, 750 characters maximum.
Plain text only, 750 characters maximum.

What to do next

Comments or queries about angling can be emailed to anglingcorrespondence@daera-ni.gov.uk 

What to do next

If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit.  Contacts for common benefits are listed below.

Carer's Allowance

Call 0800 587 0912
Email 
dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

Discretionary support / Short-term benefit advance

Call 0800 587 2750 
Email 
customerservice.unit@communities-ni.gov.uk

Disability Living Allowance

Call 0800 587 0912 
Email dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

Employment and Support Allowance

Call 0800 587 1377

Jobseeker’s Allowance

Contact your local Jobs & Benefits office

Personal Independence Payment

Call 0800 587 0932

If your query is about another benefit, select ‘Other’ from the drop-down menu above.

What to do next

Comments or queries about the Blue Badge scheme can be emailed to bluebadges@infrastructure-ni.gov.uk or you can also call 0300 200 7818.

What to do next

For queries or advice about careers, contact the Careers Service.

What to do next

For queries or advice about Child Maintenance, contact the Child Maintenance Service.

What to do next

For queries or advice about claiming compensation due to a road problem, contact DFI Roads claim unit.

What to do next

For queries or advice about criminal record checks, email ani@accessni.gov.uk

What to do next

Application and payment queries can be emailed to ema_ni@slc.co.uk

What to do next

For queries or advice about employment rights, contact the Labour Relations Agency.

What to do next

For queries or advice about birth, death, marriage and civil partnership certificates and research, contact the General Register Office Northern Ireland (GRONI) by email gro_nisra@finance-ni.gov.uk

What to do next

For queries about:

If your query is about another topic, select ‘Other’ from the drop-down menu above.

What to do next

For queries or advice about passports, contact HM Passport Office.

What to do next

For queries or advice about Penalty Charge Notices (PCNs), including parking tickets and bus lane PCNs, email dcu@infrastructure-ni.gov.uk

What to do next

For queries or advice about pensions, contact the Northern Ireland Pension Centre.

What to do next

If you wish to report a problem with a road or street you can do so online in this section.

If you wish to check on a problem or fault you have already reported, contact DfI Roads.

What to do next

For queries or advice about historical, social or cultural records relating to Northern Ireland, use the Public Record Office of Northern Ireland (PRONI) enquiry service.

What to do next

For queries or advice about rates, email LPSCustomerTeam@lpsni.gov.uk

What to do next

For queries or advice about  60+ and Senior Citizen SmartPasses (which can be used to get concessionary travel on public transport), contact Smartpass - Translink.