Student loan template letters

The evidence-first letter. Exercises your statutory right to see everything the Student Loans Company holds about you, and demands a full account breakdown: every repayment with its date and source, all interest with the rate and period, the plan types applied and when, and the projected write-off date. Quotes the one-month deadline, the no-fee rule and the criminal offence of destroying records, so this reads as a legal request rather than a favour. Send this before any refund complaint, because everything else works better once you have the records.

For repayments that should never have been taken: deductions below your threshold, deductions that carried on after the loan was cleared, deductions before your repayment start date, or the same liability collected twice through both PAYE and Self Assessment. Sets out the error, the evidence and your calculation, then asks for three specific things: the account corrected, the money refunded, and a written explanation of how it happened.

Each plan has a different income threshold, so being on the wrong one means the wrong money leaves your pay every month. This letter states which plan you should be on and why, sets out the effect of the wrong one, and asks for the plan to be corrected both on your account and in the start notice sent to your employer's payroll, plus a refund of the overpayment. Includes the current thresholds for reference.

For an Advanced Learner Loan that should have been cancelled once you completed a qualifying higher education course, but was not, or was written off years late. Asks for the write-off to be applied and backdated, for written confirmation that nothing further is owed, and for financial redress to be considered for the delay. References the Ombudsman finding that this was a systemic error affecting around 4,000 accounts.

For when your payslips and P60 show student loan deductions that never appear on your SLC statement. Money left your pay and did not arrive. This letter identifies the gap, attaches the evidence, and asks for the deductions to be traced and credited and the balance corrected. Worth pursuing even where the money is not lost, because interest keeps accruing on a balance the missing credits should have reduced.

This one goes to the university, not the Student Loans Company. For a course that was materially different from what you were promised: a missing placement, cancelled teaching that was never rescheduled, accreditation that did not exist, or delivery by a franchise partner you were never told about. Built on the Consumer Rights Act, sets out promise against reality, and asks for a remedy plus a Completion of Procedures Letter, which is what unlocks the independent adjudicator route.

Two letters for when the Student Loans Company has said no and you do not accept it. Letter A asks for your complaint to go to an Independent Assessor. Letter B asks your MP to refer it to the Parliamentary and Health Service Ombudsman, which is the only route by which a complaint of this kind reaches the Ombudsman. The order matters and the pack spells it out, because skipping a stage usually means being sent back to complete it.