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Should You Pay Off Student Loans Early? Expert Weighs In

12/22/2025

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Summary

Story summary

Sam Curtis, a financial adviser, says the decision to pay off student loans early depends on individual circumstances.
Graduates earning below £30,000 may not benefit from early repayments, as loans are often wiped after a set period.
Conversely, higher earners might reduce total repayment amounts by paying off loans early.
Alternatives, such as investing or saving for a home deposit, could also be more beneficial.

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Story summary

Sam Curtis, a financial adviser, says the decision to pay off student loans early depends on individual circumstances.
Graduates earning below £30,000 may not benefit from early repayments, as loans are often wiped after a set period.
Conversely, higher earners might reduce total repayment amounts by paying off loans early.
Alternatives, such as investing or saving for a home deposit, could also be more beneficial.