Will a physiotherapist ever pay off their student loan?
3-year degree · Estimated total loan: £60,222
Repayment at starting vs mid-career salary
On a starting physiotherapist salary of £29,000/year, monthly repayments are £30. The loan would not be fully repaid before the 40-year write-off. Total repaid over 40 years: ~£14,400 of a £60,222 loan.
At a mid-career salary of £38,000/year, repayments rise to £98/month. Even at this level the loan is not fully repaid within 40 years and is written off.
Monthly take-home impact
Student loan repayments come out via PAYE before your salary hits your account. You budget to your take-home, not your gross salary.
Starting salary take-home
Mid-career take-home
Estimates based on 2025/26 tax rates and personal allowance of £12,570. Does not account for pension contributions, student loan interest, or salary sacrifice schemes.
Bursary note
NHS Learning Support Fund may apply. Check current eligibility.
Salary data
What does a physiotherapist actually earn in each city?
Full salary breakdown by region, experience, and sector →