BA (Hons) History · University of LancashireBachelor's degree · 3 years
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University of Lancashire · Undergraduate

BA (Hons) History Bachelor's degree at the University of Lancashire

BA (Hons) History at University of Lancashire. The University of Lancashire's History BA develops the knowledge and analytical skills required to work as a historian, whether in academia, heritage, archives, publishing or policy.

BA (Hons)
Award
3
Years
Full-time
Study mode
65%
in work/study (15m)

About this course

Our History BA course gives you the in-depth knowledge & skills you need to become a historian. Find out more here about what you can do with a history degree. From the provider’s course page.

BA (Hons) History is a Bachelor's degree (BA (Hons)) at the University of Lancashire, based in Main Campus. It runs 3 years, studied full-time.

For History graduates from this provider, 65% were in work or further study 15 months after graduating, 50% in highly skilled roles, typical earnings around £25,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)

For the typical curriculum, specialisations, career paths and graduate earnings for History, see the sections below.

Course evidence score

The arithmetic mean of the official measures available for this course: NSS satisfaction, graduate activity and continuation.

7.7
/ 10
Strong
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Exceptional97

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Graduate outcomes
In work or further study 15 months after graduating
Solid65

Limited evidence Published sample: 15; treat comparisons cautiously. Cohort 2021-23. Graduate Outcomes work or further study 65% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Strong70

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2022-23. Continuation 70% (2022-23; Discover Uni snapshot 2026-06-21)

Curriculum & modules

Real modules published for this course, grouped only where the source gives a year, stage or level.

Year 1 6 modules
  • Humanities in ContextCompulsory
    Module details

    This module will develop the skills required in the study of humanities at university. You'll be introduced to specific subjects such as History, Philosophy or Politics. The module covers these subjects as academic disciplines, outlining some of the techniques and challenges of humanities-based inquiry. You'll develop employability skills such as oral communication, group-working, problem-solving and project management.

  • From 'Industrial Revolution' to 'Great War'? Society, Identity and Place in Britain and IrelandCompulsory
    Module details

    This module covers the character and range of historical developments in Britain and Ireland between 1750 and 1921. You'll explore broad themes in this period related to political, economic, social and cultural change. You will also develop this understanding through thematic case studies. The module will also explore continuities and changes in Britain and Ireland between 1750 and 1921.

  • The Past in the Present: History, Heritage, and SocietyCompulsory
    Module details

    This module looks at different forms and interpretations of history, and how publics engage with the past. It introduces concepts such as public history, heritage, legacies, and memory, amongst other key themes. Drawing on examples from around the world, the module will: Explore how people engage with the past Question the role and significance of historical narratives in various settings Critically examine the roles of history and historians in society Provide a broad introduction to the many s

  • The Nature and Challenges of Historical EnquiryCompulsory
    Module details

    This module introduces techniques and problems of historical inquiry associated with the nature of history as an academic discipline. You'll engage with primary sources used by professional historians, and to learn to evaluate their strengths and weaknesses. You develop critical historical skills required to successfully study history at degree level. The module will also introduce, develop and practice employability skills

  • Nations, Societies and Empires: The Emergence of Nation-States in Asia, Europe and USACompulsory
    Module details

    You'll develop an understanding of the sequential development of different nation-state identities in the Asia, Europe and the United States at different periods in the mid-18th century. You'll also analyse their relationship with empire in the mid-18th century in relation to the United States, Asia and Europe. You'll gain an appreciation of the comparative developments of nations and empires in Asia, Europe and the United States. You will learn to express this historical understanding and histo

  • Re-inventing the Nation-State in Asia, Europe and USA in the 19th and Early 20th CenturiesCompulsory
    Module details

    You'll develop an understanding of the sequential development of different nation-state identities in the Asia, Europe and the United States from the 19 th century to mid-20th century. You'll also analyse the relationship with empire and movement towards empire building in relation to nation-states in Asia, Europe and the United States from the 19 th to mid-20th century. You'll gain an appreciation of the comparative developments of nations and empires in Asia, Europe and the United States. You

Year 2 6 modules
  • Research MethodsCompulsory
    Module details

    This module aims to support you in your development of the academic skills required to succeed in your undergraduate studies. The module will address the range of research skills required for undergraduate success.

  • Community History ProjectCompulsory
    Module details

    In this module we'll introduce you to the philosophies and methods involved when carrying out community history projects. You'll develop an in-depth knowledge of the history of Preston and surrounding areas. We'll show you how to track down and use source materials in your research and communicate historical research to non-specialist audiences in the local community.

  • Debating Modern British and Irish History, c.1800-PresentCompulsory
    Module details

    This module will develop your awareness of prominent debates in modern British and Irish history. You'll explore continuities and changes in historical understanding of modern British and Irish history. You will also develop an understanding of the relationship between the historian's craft and secondary literature.

  • The Rise of the Cold War: Ideology and Dictatorship in 20th-century Asia, Europe and USACompulsory
    Module details

    This module enables you to analyse the history and international relations of Asia, Europe and United States across the 20th century during the Cold War. There is a particular focus on the origins and early period of the Cold War. You'll develop an appreciation of the histories, societies and ideologies of Asia, Europe and the United States during the Cold War. You will also develop an ability to apply key historiographical explanation to case studies of the history and international history of

  • Dismantling the Cold War in 20th-century Asia, Europe and USACompulsory
    Module details

    This module will enable you to analyse the history and international relations of Asia, Europe and United States in the 20th century to the end of the Cold War in 1991 with a particular focus on the later period of the Cold War. You'll develop a particular appreciation of the histories, societies and ideologies of Asia, Europe and USA in the 20th century to 1991. You will apply key historiographical explanations to case studies of the history, ideologies and international history of the Asia, Eu

  • From the 'Great War' to Brexit: Conflict and Transformation in Britain and Ireland, 1914-2016Compulsory
    Module details

    On this module you'll analyse social, cultural and political developments in Britain and Ireland during the period 1914-2016. You'll develop this understanding through thematic case studies. You will also explore continuities and changes in Britain and Ireland during the period 1914-2016 The module also aims to introduce you to key debates in the secondary literature. It will introduce youto primary sources for researching British and Irish history during this period

Year 3 5 modules
  • The Legacy of Cold War Conflict: Asia, Europe and USA from the 1960sOptional
    Module details

    On this module you'll analyse the history, politics and international relations of Asia, Europe and the United States from the Cold War to the rise of a new post-Cold War global order from the 1960s. You'll develop an appreciation of the crisis and transition of states in Europe and Asia from authoritarian to democratic governance from the 1960s. You will learn about the division and legacy of the Cold War in global terms as exemplified through detailed case studies. You'll develop an ability to

  • From 'Crash' to 'Crunch': Popular Culture and Social Change in Britain and Ireland 1929-2009Optional
    Module details

    On this module you'll develop an in-depth knowledge of popular culture in relation to social change in modern Britain and Ireland. You'll analyse cultural change in Britain and Ireland through the 'ordinary' and 'everyday'. You will also critically appraise the social, political and industrial organisations and movements through which 'ordinary' people sought to influence social change in modern Britain and Ireland.

  • Creating a New Global Order: Asia, Europe and USA from the 1960sOptional
    Module details

    On this module you'll analyse the history, politics and international relations of Asia, Europe and the United States in terms of the rise of a new post-Cold War global order from the 1960s. You'll develop a particular appreciation of the transition of states in Europe and Asia from authoritarian to democratic governance. You will also understand the division and legacy of the Cold War in global terms as exemplified in detailed case studies.

  • Everyday Voices? Oral History Theory and PracticeOptional
    Module details

    This module aims to give you an understanding of the key aspects of oral history and memory. You'll develop this understanding through thematic case studies. You will examine approaches to memory studies and its relationship to public history, and enhance your ability to critically interpret and analyse oral testimony. You'll understand the relationship between personal testimony and other types of sources, how they are stored and accessed. You'll also get to experience producing and depositing

  • Work Placement in HistoryOptional
    Module details

    This module will provide you with the opportunity to gain workplace experience related to a possible future career path following on from a History degree. Experience, and thereby learn about, actual working practices required to achieve a set goal in history-related careers, making best use of limited time and resources.

Source: provider course page. Modules can change; required/optional status, credits, descriptions and assessment are shown only when explicitly published.

Course in depth

What this course covers, who it suits and where it leads.

What you'll study

This History degree develops the in-depth knowledge and skills you need to become a historian. You'll usually progress from foundations in your first year, learning how to work with sources and archives, and surveying medieval through modern world history, to deeper specialist work in years 2 and 3. A course like this typically moves through focused period studies (often led by primary documents), historiography and how historical interpretations change, and public history applications in museums and heritage. In your final year, you'll pursue specialist options in areas such as modern history, medieval studies, global and imperial history, social and cultural history, public history and heritage, or archival research, culminating in an original dissertation based on primary evidence.

Who it's for

You're suited to this course if you're intellectually curious about how societies change over time and enjoy analysing primary sources and competing interpretations. You'll thrive if you're comfortable with sustained reading and writing, can construct evidence-based arguments, and appreciate rigorous debate. Studying history means working with ambiguity, evidence is often incomplete, meanings shift across contexts, so you should welcome that intellectual challenge rather than expect neat answers. If you're drawn to understanding human experience in its full complexity, this programme will feel natural.

Careers & job market

Across history graduate programmes nationally, 85% are in work or further study 15 months after graduating, with 55% in highly skilled roles or postgraduate study. Starting salaries typically range from £23,500 to £31,000; after five years, graduates nationally earn between £25,500 and £36,000. History graduates pursue careers in heritage, archives, museums, publishing, journalism, civil service, law, and further academic research, paths that value critical thinking and communication skills rather than a single prescribed role.

University & format

This is a full-time BA (Hons) degree studied at the University of Lancashire, a university established in 1828, located on the main campus. The course runs for 3 years and is taught in English. The University of Lancashire is a recognised UK degree-awarding body; its degrees are nationally recognised. It holds a Silver award for teaching quality in the Office for Students' TEF 2023.

Student satisfaction

How students on this course answered the National Student Survey, by theme.

The teaching on my course
100%
Learning opportunities
100%
Assessment and feedback
98%
Academic Support
100%
Organisation and management
100%
Learning resources
94%
Student voice
88%

Share of students responding positively.

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Applicant information

The next application dates for this course, followed by facts the provider publishes.

Application timelineWhat happens next
  1. 2027 entryCompleted applications can be submitted

    Your application needs a reference before you can send it.

  2. 2026 entryFinal date for 2026 applications

    Applications must reach UCAS by 18:00 UK time.

  3. 2026 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

  4. 2027 entryEqual-consideration deadline

    18:00 UK time for most undergraduate courses.

Show 5 later dates
  1. 2027 entryUCAS Extra opens

    Applicants who used all five choices and hold no offer may be able to add another choice.

  2. 2027 entryLast day applications go directly to providers

    Applications received after 18:00 UK time are entered into Clearing.

  3. 2027 entryClearing opens

    Eligible applicants can see vacancies and release themselves into Clearing.

  4. 2027 entryFinal date for 2027 applications

    Applications must reach UCAS by 18:00 UK time.

  5. 2027 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

PlacementPublished placement option

Work placement. Availability, selection and pay can vary.

Open daysAttend our next Open Day

See and book current events. Dates can fill or change.

Entry & how to get in

Most entrants held A-levels or equivalent85% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 96 - 111 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check the University of Lancashire's official course page for the current offer.

Who gets in

What recently admitted students actually held, official admissions data, not a stated requirement.

UCAS tariff of entrants

Grades are the A-level equivalent of each points band. Tap a band to check your own chances below.

Qualifications held on entry

QualificationShare
A-levels or equivalent85%
another higher-education qualification5%
Other5%

Entry & your chances

An honest read from the official entry data, plus your personal match.

Accessible entry

Accepted students came in with a broad spread of qualifications and UCAS points. If you're worried about grades, this course has historically taken a wide range, and contextual offers may apply.

Will you get in? Plot your grades

Pick your predicted A-levels and watch your UCAS points land on the real spread of students admitted to this course.

Each bar is the share of admitted students in that UCAS-points band (lower → higher). Grades show the A-level equivalent.

Add your grades to see where you land

Your points will drop onto the distribution above, with an honest above / within / below read.

Based on the official admitted-student tariff distribution. Many universities make contextual (reduced-grade) offers, so a result below the range doesn’t rule you out.

How to apply

Undergraduate applications go through UCAS. Here’s what matters for this course, the right deadline, the grades to aim for, and the steps in order.

Apply by13 January 2027, 18:00 UK timefor this course
Typical gradesBCCA-level equivalent admitted students held
UCAS codeV100quote this on your application
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course (code V100). One application covers up to five choices.

  2. 2
    Write your personal statement

    A single statement covers all your choices, so keep it broad enough for similar courses while showing genuine interest in this subject.

  3. 3
    Submit by 13 January 2027, 18:00 UK time

    UCAS equal-consideration deadline for most undergraduate courses. Source: UCAS 2027 dates.

  4. 4
    Reply to your offers

    When decisions are in, pick a firm (first) choice and an insurance (back-up) choice with slightly lower grades.

  5. 5
    Results day & confirmation

    On results day (mid-August) your place is confirmed if you meet the offer. Just missed? Talk to the university, or find a place through Clearing.

💡 Many universities make a contextual (reduced-grade) offer, for example based on your school’s results, time in care, or where you live. Ask University of Lancashire whether you’re eligible before you apply; it can lower the grades you need.

Fees & funding

What this course costs and how UK student finance covers it.

Tuition per year

Homeup to £9,790 / yr
International£17,325 / yr

Provider fee page (England 2026/27 cap where not stated).

Check fees at University of Lancashire →

For students who normally live in England

illustrative Maintenance Loan per year
£9,790tuition used per year, illustrative full-time England fee-cap scenario
illustrative borrowing over 3 years

2026/27 Student Finance England figures. Maintenance support is means-tested and this two-point view is not an entitlement calculator. The course total uses its published length and home fee where both are available; a missing full-time fee uses the clearly labelled England-cap scenario, while part-time fees and unknown lengths are never guessed. Use the official calculator. Scotland, Wales and Northern Ireland use separate systems: SAAS, Student Finance Wales, and Student Finance NI.

Starting on or after 1 January 2027?

The Lifelong Learning Entitlement is a separate system. A new learner’s tuition entitlement is currently stated as £39,160 (about 480 credits at 2026/27 fee levels), subject to prior study and eligibility. Check the official LLE guide.

Paying for it

  • Tuition Fee Loan: can cover eligible tuition up to the applicable limit and is paid straight to the provider.
  • Maintenance Loan: up to £10,830/yr away from home outside London (England, 2026/27), means-tested on household income.
  • Repayment: 9% of income above £25,000, nothing below it; written off after 40 years.
  • Earn alongside: most students work part-time in term, part-time roles on the StudySmarter job board.

England figures shown; Scotland, Wales & NI run their own schemes, check gov.uk.

Funding matched to this course

Scholarships & bursaries you could qualify for

All University of Lancashire funding →

Named awards published by the university. Compare the eligibility and application route before budgeting for one.

Financial Support Package£500–£750 a year
Means-tested2026/27

Undergraduates from low-income households, subject to eligibility

How it worksAutomatic assessment after enrolment when Student Finance shares household-income data.
TimingNo separate application
Check eligibility →
Means-tested2026/27

Eligible undergraduate students with experience of care

How it worksApply through the Student Hub after enrolment.
TimingNine months after the academic year starts
Check eligibility →
Means-tested2026/27

Eligible undergraduate or taught-postgraduate unpaid carers

How it worksApply through the Student Hub after enrolment and provide evidence.
TimingNine months after the academic year starts
Check eligibility →
Sanctuary ScholarshipFee waiver + up to £5,000 a year
Means-tested2026/27

Forced migrants who are not eligible for student finance

How it worksComplete the university application form; an offer is not required to apply.
TimingCheck the current application form
Check eligibility →

Amounts, exclusions and deadlines can change. An award is not guaranteed unless the university confirms it.

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Career quizApplication walkthroughSalary & CV check

Careers & earnings

What History graduates actually earn, from real outcome data, 15 months, 3 years and 5 years after graduating.

Graduate earnings: this course

WhenMedianTypical rangeGraduates
15 months after£25,000£21,000 – £34,00015
3 years after£21,000£17,000 – £25,00045
5 years after£26,000£20,500 – £30,00055

Nominal earnings for graduates of this course/subject at this provider. Limited evidence. Published sample: 15; treat comparisons cautiously. Cohort 2021-23.

Graduate outcomes, 15 months on: this course

65%
in work or further study 15 months on
50%
in highly skilled work or study
70%
continue past their first year
60%
find their work meaningful
50%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in history · 2–5 yrs
  3. 3Senior / LeadLeading work and people · 5–10 yrs
  4. 4Head of / ExpertSenior leadership or deep expertise · 10+ yrs

How pay grows: this course vs History nationally

Starting (15 months) HESA GO
£25,000
£23,500 – £31,000
After 3 years LEO
£21,000
£20,400 – £28,800
After 5 years LEO
£26,000
£25,500 – £36,000
national rangethis course’s medianaxis £19,000 – £37,500

National figures for History graduates, HESA Graduate Outcomes (15 months) and the Longitudinal Education Outcomes (LEO) dataset (3 & 5 years). These are national, not university-specific; actual pay varies by employer, region, role and experience. Different cohorts, so the bars are not one group over time.

Work out your pay

Headline figures hide a lot. Calculate realistic take-home pay for this field by role, region and experience, then check your CV before you apply.

What happened to 100 students?

Choose an outcome to translate the published percentage into a simple 100-person view. Each dot represents one percentage point, not an individual tracked student.

65 of 100

were in work or further study

15 months after graduation

50% working10% working and studying10% in further study50% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2022-23. Limited evidence. Published sample: 15; treat comparisons cautiously. Cohort 2021-23. Each tab is a separate published measure; categories can overlap and should not be added together.

Value compared with similar courses

How this course’s 5-year median earnings compare with History courses at the same study level.

This course £26,000Peer median £30,000Middle 50% £27,000–£34,500
19th percentile

Compared with 1,423 courses with compatible official earnings data. This is a course-value comparison, not a quality ranking.

UK occupations graduates enter

Published graduate destinations, joined conservatively to UK SOC 2020, ONS pay and Skills England demand.

  • Administrative occupationsSOC 2020 41 · 20% of published destinations · ASHE median £27,006
  • Managers, directors and senior officialsSOC 2020 1 · 20% of published destinations · ASHE median £51,733
  • Elementary occupationsSOC 2020 9 · 20% of published destinations · ASHE median £19,087
  • Teaching ProfessionalsSOC 2020 231 · 20% of published destinations · ASHE median £42,660
  • Business and public service associate professionalsSOC 2020 35 · 15% of published destinations · ASHE median £38,760

Discover Uni JOBLIST/JOBTYPE; ONS ASHE 2025 provisional, all employee jobs; Skills England Occupations in Demand 2025. SOC is shown only for an exact normalised label match; demand is shown only at exact four-digit SOC. Published sample: 50; response rate: 60%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Job market & outlook

How History graduates fare in the labour market, and how AI is reshaping the work.

85%
in work or further study 15 months after graduating, across History courses nationally.
Graduate Outcomes
55%
of working graduates are in highly skilled work or further study.
highly skilled
90%
of students continue past their first year (still enrolled or completed).
continuation

How AI is changing the work

AI doesn't replace the profession, it shifts it: routine tasks get automated, while judgement, working with people and using AI well become more valuable.

What AI takes off your plate

  • Routine information gathering
  • First-draft writing and summaries
  • Standard analysis and admin
  • Repetitive processing tasks

More human than ever

  • Judgement and original thinking
  • Working with and leading people
  • Owning and sense-checking AI output
  • Ethics and accountability

The strongest graduates pair subject depth with the ability to use AI tools critically.

Roles & employers

Where History graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • Museums & archives
  • Heritage bodies
  • Schools
  • Civil service & media

Is this course right for you?

The essentials UK applicants ask about: finance, outcomes, entry and quality.

💷

Student finance

For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years.

📈

Where graduates go

65% were in work or further study 15 months after graduating, with a median salary of £25,000. See the full breakdown in Careers & earnings above.

🎯

Your entry chances

Use the UCAS points calculator above to see how your predicted grades compare with admitted students, and whether a contextual offer could apply.

Official-data snapshot

Averaging the official measures published for it, this course scores 7.7 out of 10: NSS 97.1% · in work or study 65% · continued 70%.

Who studies here and in this subject?

Provider- and UK subject-level context.

University of Lancashire

All students23,865
International20.5%
Aged 25+43.6%

Historical, philosophical and religious studies across the UK

Students76,495
Aged 25+26.6%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around Main Campus

2,263 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 753Anti Social Behaviour 464Shoplifting 194Criminal Damage Arson 169Public Order 166

Police.uk street-level API. Approximate locations, not confined to campus. England, Wales and Northern Ireland; not Scotland.

Is History right for you?

Tick what applies to you and see how good a fit it is.

International students

What applying to University of Lancashire from outside the UK involves: fees, English, visa, funding and living costs.

Tuition fees

International tuition is £17,325 / year for this course (from the provider’s fee page). You’re not eligible for UK Tuition Fee or Maintenance Loans, so plan for fees plus living costs upfront.

English language

Most UK undergraduate courses ask for around IELTS 6.0–6.5 (no band below 5.5–6.0), or an accepted equivalent. If you’re just short, most universities run a pre-sessional English course that counts towards the requirement.

Student visa

You’ll usually need a Student visa (Student Route). After you accept an offer the university issues a CAS; you then show funds for fees plus about £1,023–£1,334/month living costs and pay the Immigration Health Surcharge for NHS access.

Scholarships & funding

Many universities offer international/global scholarships (often £2,000–£6,000/yr), check University of Lancashire’s funding pages.

Living costs

Budget roughly £1,100–£1,400/month outside London and £1,400–£1,800/month in London for rent, food and travel; the figure also matters for your visa.

Working while you study

A Student visa usually allows up to 20 hours/week in term time and full-time in holidays, useful alongside study, though not something to rely on for fees.

Visa rules and fees change. Always confirm the current requirements with University of Lancashire and gov.uk before you apply.

Common questions

Entry is historically accessible, accepted students came in with a broad spread of qualifications. The most common tariff band among recent entrants was 96 - 111 UCAS points. Use the calculator on this page to see where your predicted grades would put you; many universities also make lower contextual offers.
Set by the University of Lancashire. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For History graduates from this provider, 65% were in work or further study 15 months after graduating, 50% in highly skilled roles, typical earnings around £25,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)
For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years. See Fees & funding on this page to work out your numbers.
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