MPhys Physics · University of LincolnIntegrated Master's degree · 4 years
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University of Lincoln · Undergraduate

MPhys Physics Integrated Master's degree at the University of Lincoln

MPhys Physics at University of Lincoln is accredited by the Institute of Physics, meeting the educational requirements for Chartered Physicist status.

MPhys
Award
4
Years
Full-time
Study mode
80%
in work/study (15m)

About this course

The knowledge and problem-solving skills of physicists are vital to new discoveries and advances in science and technology. From the provider’s course page.

MPhys Physics is an Integrated Master's degree (MPhys) at the University of Lincoln, based in Lincoln Campus. It runs 4 years, studied full-time.

For Physical sciences graduates from this provider, 80% were in work or further study 15 months after graduating, 65% in highly skilled roles, typical earnings around £26,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)

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

Course evidence score

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

8.6
/ 10
Excellent
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Excellent88

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
Excellent80

Moderate evidence Published sample: 40; avoid reading small differences as meaningful. Cohort 2021-23. Graduate Outcomes work or further study 80% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Exceptional90

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2022-23. Continuation 90% (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.

First Year 8 modules
  • CalculusCore
    Module details

    Module focuses on the concepts of the derivative and the Riemann integral, which are indispensable in modern sciences. Covers both intuitive-geometric and mathematically rigorous approaches, including the Mean Value Theorem, Taylor series, and Fundamental Theorem of Calculus. Explores further calculus tools such as general properties of the derivative and the Riemann integral, as well as techniques of integration.

  • Computer Algebra and Technical ComputingCore
    Module details

    Presents an introduction to computer packages for analytic formulas manipulation (computer algebra) and technical computing. Students develop skills including utilising a logbook as a factual record and as reflective self-assessment to support their learning.

  • Electricity, Magnetism, Thermal and Quantum PhysicsCore
    Module details

    Covers basic notions of modern physics. In electricity and magnetism includes Coulomb's law, electrostatic vector and potential fields, magnetic fields, motion of charges and currents in electromagnetic fields, and basics of electric circuits. In thermal includes zeroth, first and second laws of thermodynamics. Quantum physics part introduces wave-particle duality, wavefunction concept, energy quantization, and simple models of the atom.

  • Geometrical Optics, Waves and MechanicsCore
    Module details

    Introduces established theories describing optical, acoustic, and mechanical phenomena. Optics part includes Fermat's principle of light propagation, Snell's laws of reflection and refraction, thin lenses, and Huygens's principle. Mechanics part includes basic mathematical tools to describe motion of objects (kinematics) and Newton's laws (dynamics). Wave part includes propagating waves, Doppler effect, phase and group velocities, and standing waves.

  • Introduction to Modern AstronomyCore
    Module details

    Aims to introduce fundamental concepts in modern astronomy from planets up to the universe as a whole.

  • Laboratory 1Core
    Module details

    Provides students with opportunity to learn practical skills needed for physical laboratory experiments. Provides structured introduction to laboratory skills development with particular emphasis on measurement uncertainty. Explores measurement and estimation followed by techniques in data analysis and presentation of data. Students develop practical skills in a set of experiments which examples may include: basic electronic circuits, pendulum, Hooke's law, heat capacity, lenses.

  • Linear AlgebraCore
    Module details

    Describes vector spaces and matrices. Matrices are regarded as representations of linear mappings between vector spaces. Introduces eigenvalues and eigenvectors, leading to diagonalisation and reduction to other canonical forms. Introduces special types of mappings and matrices (orthogonal, symmetric).

  • Professional Skills and Group StudyCore
    Module details

    Provides students opportunity to learn a variety of transferable skills: to communicate scientific ideas via a variety of media, to work in groups, to manage and plan projects, to keep record of work. Students develop understanding of general and specialized databases, their uses and searches. Group study can develop students' skills in team-working around investigating a topic from literature. Students have opportunity to take on administrative roles within the team and work towards common aims

Second Year 9 modules
  • Differential EquationsCore
    Module details

    Calculus techniques already provide solutions of simple first-order differential equations. Solution of second-order differential equations can sometimes be achieved by certain manipulations. Covers existence and geometric interpretations of solutions. Existence theory of ordinary differential equations leading to fundamental techniques of asymptotic and qualitative study of solutions, including the important question of stability. Introduces Fourier series and Fourier transform. Provides introd

  • ElectrodynamicsCore
    Module details

    Covers the first established classical theory of fields, namely the theory of electromagnetic fields. Introduces necessary mathematical tools such as curl, divergence, and gradient. Discusses macroscopic and microscopic Maxwell's equations of electromagnetism as well as their solutions for some model problems in vacuum and in some materials. Topics covered include Gauss's law, Maxwell's law of induction, Faraday's law, time-dependent electromagnetic fields, electromagnetic waves, and dielectric

  • Group ProjectCore
    Module details

    Aims to provide students with the experience of working as part of a team on a project. Students produce a set of deliverables relevant to their programme of study. Final deliverables will be negotiated between the group and their supervisor. Groups are expected to manage their own processes, and to hold regular meetings both with and without their supervisor. Groups will be allocated by the module coordinator and other members of staff. The process of development of the topic under study and th

  • Industrial and Econo-PhysicsCore
    Module details

    Describes how modern physics is used in everyday industrial practice. Examples used in this module will be aligned with the interests of the university's industrial partners and collaborators. Also introduces how theoretical apparatus developed initially in physics finds its application in the field of economy.

  • Laboratory 2Core
    Module details

    Builds on level 1 Laboratory 1 module. Provides students with a broad experience in mastering a range of more complex experimental techniques and offers the opportunity to develop skills in data collection and analysis.

  • Lagrangian and Hamiltonian MechanicsCore
    Module details

    Concerned with a modern formulation of mechanics called Lagrangian mechanics whereby the actually observed motion of an object is viewed as one among many potentially conceivable motions. Selection process of the actual motion satisfies the so-called Principle of Minimum Action. The corresponding formalism allows to tackle very intricate mechanical problems and has many technical advantages with regards to changes of variables. A 'dual' theory called Hamiltonian mechanics can also be formalized

  • Scientific ComputingCore
    Module details

    Students have opportunity to utilise computers for the numerical solution and simulation of models of physical and mathematical systems, including use of computer procedural programming languages to solve computational problems. Numerical algorithms will be introduced to exemplify key concepts in computational programming, with the emphasis on understanding the nature of the algorithm and the features and limitations of its computational implementation. Emphasis on using effective programming te

  • Statistical and Quantum Physics ICore
    Module details

    Introduces two pillars of modern physics: statistical mechanics and quantum physics. Both theories involve the combination of probability theory and physical concepts. Aims to equip students with the tools of probability theory necessary to engage with these two theories. Delves into presentation of classical equilibrium statistical mechanics and basic principles of quantum physics.

  • Study Abroad – SEPS
    Module details

    Provides opportunity for students in the School of Engineering and Physical Sciences to spend a year abroad at one of the University's partner institutions. During the year abroad, students share classes with students at their chosen destination and study on a suite of locally delivered modules. This module will extend the length of your programme by one year and is taken between level 5 (year 2) and level 6 (year 3).

Master's Level 7 modules
  • Advanced Project and CommunicationCore
    Module details

    This is a triple module in which a student undertakes an individual project under supervision of a research-active member of staff and during which the student is exposed to various research material and undertakes various tasks in relation to scientific communication. The individual project can be undertaken at an external collaborating establishment. Projects will be offered to students in a wide range of subjects aligned with their course specialism. The student will meet regularly with their

  • Condensed Matter PhysicsCore
    Module details

    In contemporary research, condensed matter physics pertains to the physics of condensed phases of matter such as solid and liquids. Depending on the properties of interest, condensed matter physics is traditionally split in two different sub-fields: solid state physics dealing primarily with the behaviour of electrons in periodic solids, and soft-matter physics dealing with

  • Cosmology and General RelativityCore
  • Numerical MethodsCore
  • Fluid Dynamics
  • Methods of Mathematical Physics
  • Physics Pedagogy

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

Knowledge and problem-solving skills in physics are central to discoveries and advances in science and technology. On this course, you'll usually start with core physics covering mechanics, matter and energy, alongside mathematics for scientists and foundational laboratory work. Year 2 moves deeper into quantum and thermal physics, advanced experiments and scientific computing, with mathematical methods to solve real physical problems. From Year 3 onwards, you progress to specialist options such as astrophysics, materials science, medicinal chemistry, quantum science and computational methods, together with research-level topics taught by active researchers. A final-year supervised research project forms the culmination of the programme. Throughout, laboratory skills and practical training underpin theoretical learning.

Who it's for

This course suits students with a strong foundation in physics and mathematics. Most accepted students held A-levels or equivalent qualifications; the typical UCAS tariff band among recent entrants was 96–111 points. You'll benefit from this course if you're aiming for a career in physics research, industry applications, or related technical fields, or if you plan to pursue further postgraduate study.

Careers & job market

Across Physics and Chemistry courses nationally, 85% of graduates were in work or further study 15 months after completing their degree. Of those working, 75% were in highly skilled roles or undertaking further study. National graduate earnings data shows starting salaries (at 15 months) typically ranged from £26,500 to £34,000, rising to £30,600–£43,200 after five years. The Institute of Physics accreditation positions graduates for professional roles in research, industry, education, and related sectors.

University & format

This Integrated Master's degree (MPhys) is taught full-time over 4 years at the University of Lincoln, a public university based at Lincoln Campus. Instruction is in English. The course is accredited by the Institute of Physics for the purpose of fully meeting the educational requirement for Chartered Physicist, and recognised as a UK degree-awarding body. The university holds a Gold 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
89%
Learning opportunities
86%
Assessment and feedback
83%
Academic Support
96%
Organisation and management
84%
Learning resources
95%
Student voice
85%

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.

Contextual offersPublished by this provider

The provider publishes contextual-offer information. Eligibility and any reduced offer are applicant-specific.

PlacementPublished placement option

Placement year. Availability, selection and pay can vary.

Open daysBook an Open Day

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

Entry & how to get in

Most entrants held A-levels or equivalent95% 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.
Professionally accreditedAccredited by the Institute of Physics (IOP) for the purpose of fully meeting the educational requirement for Chartered Physicist
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check the University of Lincoln'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 equivalent95%

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 gradesBBBA-level equivalent admitted students held
UCAS codeF303quote this on your application
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course (code F303). 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 Lincoln 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
Internationalset by the university

Standard capped home fee at English providers (2026/27); Scotland, Wales & NI differ.

Check fees at University of Lincoln →

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 4 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 Lincoln funding →
No verified named award is shown for this provider yet.

That does not mean no funding exists. Check the university directory for current amounts, eligibility and application dates.

We only display a named award when its provider source identifies the award and who it is for.

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Still deciding what to study?

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Career quizApplication walkthroughSalary & CV check

Careers & earnings

What Physics & Chemistry 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£26,000£22,500 – £29,50040
3 years after£21,000£17,500 – £23,50095
5 years after£25,000£22,000 – £29,00095

Nominal earnings for graduates of this course/subject at this provider. Moderate evidence. Published sample: 40; avoid reading small differences as meaningful. Cohort 2021-23.

Graduate outcomes, 15 months on: this course

80%
in work or further study 15 months on
65%
in highly skilled work or study
90%
continue past their first year
75%
find their work meaningful
40%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in physics & chemistry · 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 Physics & Chemistry nationally

Starting (15 months) HESA GO
£26,000
£26,500 – £34,000
After 3 years LEO
£21,000
£24,650 – £34,800
After 5 years LEO
£25,000
£30,600 – £43,200
national rangethis course’s medianaxis £19,000 – £45,000

National figures for Physics & Chemistry 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.

80 of 100

were in work or further study

15 months after graduation

55% working15% working and studying10% in further study65% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2022-23. Moderate evidence. Published sample: 40; avoid reading small differences as meaningful. 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 Physics & Chemistry courses at the same study level.

This course £25,000Peer median £36,000Middle 50% £32,000–£38,500
3rd percentile

Compared with 886 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.

  • Information Technology ProfessionalsSOC 2020 213 · 20% of published destinations · ASHE median £55,357
  • Administrative occupationsSOC 2020 41 · 20% of published destinations · ASHE median £27,006
  • Natural and social science professionalsSOC 2020 211 · 10% of published destinations · ASHE median £44,243
  • Engineering professionalsSOC 2020 212 · 10% of published destinations · ASHE median £50,325
  • Conservation and environment professionalsSOC 2020 215 · 10% of published destinations · ASHE median £40,520
  • Science, engineering and technology associate professionalsSOC 2020 31 · 10% of published destinations · ASHE median £34,828

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: 25; response rate: 75%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Job market & outlook

How Physics & Chemistry graduates fare in the labour market, and how AI is reshaping the work.

85%
in work or further study 15 months after graduating, across Physics & Chemistry courses nationally.
Graduate Outcomes
75%
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 Physics & Chemistry graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • Research institutes
  • Energy & manufacturing
  • Universities
  • Government labs

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

80% were in work or further study 15 months after graduating, with a median salary of £26,000. 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 8.6 out of 10: NSS 88.3% · in work or study 80% · continued 90%.

Who studies here and in this subject?

Provider- and UK subject-level context.

The University of Lincoln

All students19,560
International20.5%
Aged 25+35.1%

Physical sciences across the UK

Students64,325
Aged 25+17.8%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around Lincoln Campus

1,962 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 605Anti Social Behaviour 554Shoplifting 231Public Order 139Criminal Damage Arson 105

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

Is Physics & Chemistry right for you?

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

International students

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

Tuition fees

International tuition is set per course by University of Lincoln; international fees are typically £12,000–£30,000/year for classroom subjects and higher for lab/clinical ones. 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 Lincoln’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 Lincoln 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 112 - 127 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 Lincoln. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For Physical sciences graduates from this provider, 80% were in work or further study 15 months after graduating, 65% in highly skilled roles, typical earnings around £26,000. (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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