{
  "table": "student-loan-calculator-rules",
  "schema": 1,
  "version": "2026-11-11.1",
  "title": "Student loan rules: the French State-guaranteed student loan and usury ceilings, and the UK repayment plans for 2026 to 2027",
  "doc": "Rule table read by the student-loan-calculator handler (ctx.data['student-loan-calculator-rules']). Rates are percentage points (8.56 means 8,56 %); amounts are in major units (euros, pounds). France: the State-guaranteed student loan (prêt étudiant garanti par l'État: ceiling, share guaranteed, duration range), how a total deferral adds unpaid interest to the capital (once a year), and the usury ceilings (seuils de l'usure) the Banque de France publishes each quarter for consumer loans (crédits de trésorerie aux ménages), picked by amount (amount_above < amount <= amount_up_to; null means no bound). United Kingdom: the income-contingent repayment plans for the 2026 to 2027 tax year (thresholds per year, month and week as HMRC publishes them for payroll, the repayment rate), the interest rates in force since 1 September 2026, and when each plan is written off. Table-level valid_from/valid_until bound the period during which this version may be relied on: the usury ceilings change every quarter, so after valid_until the table must be reviewed again (the build refuses an expired table). Entry-level valid_from/valid_until bound each value; null valid_until means in force until changed.",
  "reviewed_on": "2026-11-11",
  "reviewed_by": "apps-calculators agent (automated research against official sources, 2026-11-11); owner review pending",
  "valid_from": "2026-10-01",
  "valid_until": "2026-12-31",
  "locale_country": {
    "fr-FR": "FR",
    "en-GB": "GB"
  },
  "sources": [
    {
      "id": "sp-f986",
      "label": "Service-Public.fr : Prêt étudiant garanti par l’État (vérifié le 13 janvier 2026)",
      "url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F986",
      "date": "2026-01-13",
      "retrieved": "2026-11-11"
    },
    {
      "id": "inc-pret-etudiant",
      "label": "INC (Institut national de la consommation) : Obtenir un prêt étudiant (vérifié le 19 août 2025)",
      "url": "https://www.inc-conso.fr/content/obtenir-un-pret-etudiant",
      "date": "2025-08-19",
      "retrieved": "2026-11-11"
    },
    {
      "id": "bdf-usure-2026-q4",
      "label": "Banque de France : Taux d’usure – 2026-Q4 (mis en ligne le 28 septembre 2026, mis à jour le 9 novembre 2026)",
      "url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
      "date": "2026-11-09",
      "retrieved": "2026-11-11"
    },
    {
      "id": "sp-f2456",
      "label": "Service-Public.fr : Qu’est-ce que le taux annuel effectif global (TAEG) ? (vérifié le 16 avril 2025)",
      "url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2456",
      "date": "2025-04-16",
      "retrieved": "2026-11-11"
    },
    {
      "id": "govuk-what-you-pay",
      "label": "GOV.UK: Repaying your student loan, How much you repay (thresholds, rates, interest and worked examples for 2026 to 2027)",
      "url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
      "date": "2026-11-10",
      "retrieved": "2026-11-11"
    },
    {
      "id": "hmrc-employer-guidance",
      "label": "GOV.UK (HMRC): Student loan and postgraduate loan repayment guidance for employers, thresholds from April 2026",
      "url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
      "date": "2026-04-06",
      "retrieved": "2026-11-11"
    },
    {
      "id": "hmrc-rates-2026-27",
      "label": "GOV.UK (HMRC): Rates and thresholds for employers 2026 to 2027, student loan and postgraduate loan recovery",
      "url": "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027",
      "date": "2026-09-01",
      "retrieved": "2026-11-11"
    },
    {
      "id": "si-2009-470-reg-44",
      "label": "legislation.gov.uk: The Education (Student Loans) (Repayment) Regulations 2009, regulation 44 (9% and 6% of earnings over the threshold, pence ignored)",
      "url": "https://www.legislation.gov.uk/uksi/2009/470/regulation/44",
      "date": "2023-04-06",
      "retrieved": "2026-11-11"
    },
    {
      "id": "si-2009-470-reg-29",
      "label": "legislation.gov.uk: The Education (Student Loans) (Repayment) Regulations 2009, regulation 29 (repayment through Self Assessment)",
      "url": "https://www.legislation.gov.uk/uksi/2009/470/regulation/29",
      "date": "2023-04-06",
      "retrieved": "2026-11-11"
    },
    {
      "id": "govuk-plan2-interest",
      "label": "GOV.UK: How interest is calculated, Plan 2 (RPI plus up to 3% by income, capped at 6% from 1 September 2026 to 31 August 2027)",
      "url": "https://www.gov.uk/guidance/how-interest-is-calculated-plan-2",
      "date": "2026-11-10",
      "retrieved": "2026-11-11"
    },
    {
      "id": "govuk-written-off",
      "label": "GOV.UK: Repaying your student loan, When your student loan gets written off or cancelled",
      "url": "https://www.gov.uk/repaying-your-student-loan/when-your-student-loan-gets-written-off-or-cancelled",
      "date": "2026-11-10",
      "retrieved": "2026-11-11"
    },
    {
      "id": "govuk-which-plan",
      "label": "GOV.UK: Repaying your student loan, Which repayment plan you’re on",
      "url": "https://www.gov.uk/repaying-your-student-loan/which-repayment-plan-you-are-on",
      "date": "2026-11-10",
      "retrieved": "2026-11-11"
    },
    {
      "id": "ons-rpi-march-2026",
      "label": "ONS: RPI All Items, percentage change over 12 months (CZBH), March 2026: 4.1%",
      "url": "https://www.ons.gov.uk/economy/inflationandpriceindices/timeseries/czbh/mm23",
      "date": "2026-10-21",
      "retrieved": "2026-11-11"
    },
    {
      "id": "boe-bank-rate",
      "label": "Bank of England: Official Bank Rate history (4% from 5 November 2026)",
      "url": "https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp",
      "date": "2026-11-05",
      "retrieved": "2026-11-11"
    }
  ],
  "countries": {
    "FR": {
      "name": {
        "fr-FR": "France",
        "en-GB": "France"
      },
      "currency": "EUR",
      "guaranteed_loan": {
        "ceiling": 20000,
        "guarantee_share": 70,
        "max_age_exclusive": 28,
        "term_months_min": 24,
        "term_months_max": 120,
        "rule": "Prêt étudiant garanti par l’État: the guaranteed loans of one student may not exceed 20 000 € in total; the State (through Bpifrance) guarantees 70 % of the capital; the borrower is under 28 when the loan is signed; the loan lasts between 2 and 10 years, as the bank sets; the rate is set freely by the bank.",
        "valid_from": null,
        "valid_until": null,
        "source_url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F986",
        "source_date": "2026-01-13",
        "retrieved": "2026-11-11"
      },
      "deferral": {
        "capitalisation": "yearly",
        "rule": "Total deferral (différé total): nothing is paid; the interest due for each year of deferral is added to the capital and earns interest in turn; the interest of a last, incomplete year is added when repayment starts. Partial deferral (différé partiel): only the interest is paid each month. The loan offer (offre de prêt) states the bank's own method.",
        "source_url": "https://www.inc-conso.fr/content/obtenir-un-pret-etudiant",
        "source_date": "2025-08-19",
        "retrieved": "2026-11-11"
      },
      "usury": {
        "period": "2026-Q4",
        "legal_basis": "Code de la consommation, art. L314-6",
        "valid_from": "2026-10-01",
        "valid_until": "2026-12-31",
        "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
        "source_date": "2026-11-09",
        "retrieved": "2026-11-11",
        "categories": [
          {
            "id": "conso-3000",
            "amount_above": null,
            "amount_up_to": 3000,
            "rate": 23.6,
            "average_rate": 17.7,
            "name": {
              "fr-FR": "prêt de 3 000 € ou moins",
              "en-GB": "loan of €3,000 or less"
            },
            "official_label": "Prêts d’un montant inférieur ou égal à 3 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "conso-6000",
            "amount_above": 3000,
            "amount_up_to": 6000,
            "rate": 15.76,
            "average_rate": 11.82,
            "name": {
              "fr-FR": "prêt de plus de 3 000 € et jusqu’à 6 000 €",
              "en-GB": "loan of more than €3,000 and up to €6,000"
            },
            "official_label": "Prêts d’un montant supérieur à 3 000 euros et inférieur ou égal à 6 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "conso-plus-6000",
            "amount_above": 6000,
            "amount_up_to": null,
            "rate": 8.56,
            "average_rate": 6.42,
            "name": {
              "fr-FR": "prêt de plus de 6 000 €",
              "en-GB": "loan of more than €6,000"
            },
            "official_label": "Prêts d’un montant supérieur à 6 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          }
        ]
      }
    },
    "GB": {
      "name": {
        "fr-FR": "Royaume-Uni",
        "en-GB": "United Kingdom"
      },
      "currency": "GBP",
      "tax_year": "2026-27",
      "periods": {
        "monthly": 12,
        "weekly": 52,
        "yearly": 1
      },
      "pay_rounding": "Pay per period = yearly income ÷ periods, to the penny, half away from zero. Through payroll each deduction drops the pence (regulation 44(3)); a yearly (Self Assessment) figure is taken to the penny.",
      "plans": [
        {
          "id": "plan1",
          "name": {
            "fr-FR": "Plan 1",
            "en-GB": "Plan 1"
          },
          "repayment_rate": 9,
          "thresholds": {
            "yearly": 26900,
            "monthly": 2241.66,
            "weekly": 517.3
          },
          "thresholds_valid_from": "2026-04-06",
          "thresholds_valid_until": "2027-04-05",
          "interest": {
            "rule": "lower-of-rpi-and-bank-rate-plus-1",
            "rate": 4.1,
            "valid_from": "2026-09-01",
            "valid_until": "2027-08-31",
            "note": "The lower of RPI (March 2026: 4.1%) and Bank Rate + 1% (Bank Rate 4% since 5 November 2026, so 5%). It changes during the year if Bank Rate + 1% falls below RPI.",
            "source_url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
            "source_date": "2026-11-10"
          },
          "write_off": {
            "fr-FR": "Plan 1 : effacé 25 ans après le mois d’avril où le remboursement devait commencer, ou à 65 ans si le premier prêt a été versé avant le 1er septembre 2006.",
            "en-GB": "Plan 1 is written off 25 years after the April you were first due to repay, or when you are 65 if your first loan was paid before 1 September 2006."
          },
          "source_url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
          "source_date": "2026-04-06"
        },
        {
          "id": "plan2",
          "name": {
            "fr-FR": "Plan 2",
            "en-GB": "Plan 2"
          },
          "repayment_rate": 9,
          "thresholds": {
            "yearly": 29385,
            "monthly": 2448.75,
            "weekly": 565.09
          },
          "thresholds_valid_from": "2026-04-06",
          "thresholds_valid_until": "2027-04-05",
          "interest": {
            "rule": "rpi-plus-up-to-3-by-income",
            "rate": null,
            "valid_from": "2026-09-01",
            "valid_until": "2027-08-31",
            "note": "After you leave your course: RPI (4.1%) plus up to 3% depending on yearly income, capped at 6%. While studying: RPI + 3%, capped at 6%.",
            "source_url": "https://www.gov.uk/guidance/how-interest-is-calculated-plan-2",
            "source_date": "2026-11-10"
          },
          "write_off": {
            "fr-FR": "Plan 2 : effacé 30 ans après le mois d’avril où le remboursement devait commencer.",
            "en-GB": "Plan 2 is written off 30 years after the April you were first due to repay."
          },
          "source_url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
          "source_date": "2026-04-06"
        },
        {
          "id": "plan4",
          "name": {
            "fr-FR": "Plan 4",
            "en-GB": "Plan 4"
          },
          "repayment_rate": 9,
          "thresholds": {
            "yearly": 33795,
            "monthly": 2816.25,
            "weekly": 649.9
          },
          "thresholds_valid_from": "2026-04-06",
          "thresholds_valid_until": "2027-04-05",
          "interest": {
            "rule": "lower-of-rpi-and-bank-rate-plus-1",
            "rate": 4.1,
            "valid_from": "2026-09-01",
            "valid_until": "2027-08-31",
            "note": "The lower of RPI (March 2026: 4.1%) and Bank Rate + 1% (5%).",
            "source_url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
            "source_date": "2026-11-10"
          },
          "write_off": {
            "fr-FR": "Plan 4 : effacé 30 ans après le mois d’avril où le remboursement devait commencer, ou à 65 ans si cela arrive avant et que le premier prêt a été versé avant le 1er août 2007.",
            "en-GB": "Plan 4 is written off 30 years after the April you were first due to repay, or at 65 if that comes first and your first loan was paid before 1 August 2007."
          },
          "source_url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
          "source_date": "2026-04-06"
        },
        {
          "id": "plan5",
          "name": {
            "fr-FR": "Plan 5",
            "en-GB": "Plan 5"
          },
          "repayment_rate": 9,
          "thresholds": {
            "yearly": 25000,
            "monthly": 2083.33,
            "weekly": 480.76
          },
          "thresholds_valid_from": "2026-04-06",
          "thresholds_valid_until": "2027-04-05",
          "interest": {
            "rule": "rpi",
            "rate": 4.1,
            "valid_from": "2026-09-01",
            "valid_until": "2027-08-31",
            "note": "RPI (March 2026: 4.1%); no cap applied.",
            "source_url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
            "source_date": "2026-11-10"
          },
          "write_off": {
            "fr-FR": "Plan 5 : effacé 40 ans après le mois d’avril où le remboursement devait commencer.",
            "en-GB": "Plan 5 is written off 40 years after the April you were first due to repay."
          },
          "source_url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
          "source_date": "2026-04-06"
        },
        {
          "id": "pgl",
          "name": {
            "fr-FR": "Postgraduate Loan",
            "en-GB": "Postgraduate Loan"
          },
          "repayment_rate": 6,
          "thresholds": {
            "yearly": 21000,
            "monthly": 1750,
            "weekly": 403.84
          },
          "thresholds_valid_from": "2026-04-06",
          "thresholds_valid_until": "2027-04-05",
          "interest": {
            "rule": "rpi-plus-3-capped",
            "rate": 6,
            "valid_from": "2026-09-01",
            "valid_until": "2027-08-31",
            "note": "RPI + 3% (7.1%), capped at 6%.",
            "source_url": "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
            "source_date": "2026-11-10"
          },
          "write_off": {
            "fr-FR": "Postgraduate Loan : effacé 30 ans après le mois d’avril où le remboursement devait commencer.",
            "en-GB": "A Postgraduate Loan is written off 30 years after the April you were first due to repay."
          },
          "source_url": "https://www.gov.uk/guidance/special-rules-for-student-loans",
          "source_date": "2026-04-06"
        }
      ],
      "plan2_interest": {
        "rpi": 4.1,
        "extra_max": 3,
        "lower_income": 29385,
        "upper_income": 52885,
        "cap": 6,
        "rate_decimals": 2,
        "valid_from": "2026-09-01",
        "valid_until": "2027-08-31",
        "rule": "rate = min(cap, rpi + extra_max × (income − lower_income) ÷ (upper_income − lower_income)), with the fraction kept between 0 and 1; GOV.UK shows the result to 2 decimals (£35,000: 4.82%; £40,000: 5.46%; £45,000: 6.09%, capped at 6%).",
        "source_url": "https://www.gov.uk/guidance/how-interest-is-calculated-plan-2",
        "source_date": "2026-11-10"
      }
    }
  }
}