BA (Hons) Accounting and Finance with Foundation Year · York St John UniversityBachelor's degree · 4 years
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York St John University · Undergraduate

BA (Hons) Accounting and Finance with Foundation Year Bachelor's degree at York St John University

BA (Hons) Accounting and Finance with Foundation Year at York St John University. The Foundation Year supports students who would benefit from additional preparation before the main degree.

BA (Hons)
Award
4
Years
Full-time
Study mode
85%
in work/study (15m)

About this course

Develop the practical knowledge and skills you will need for a successful career in accounting, finance and business. From the provider’s course page.

BA (Hons) Accounting and Finance with Foundation Year is a Bachelor's degree (BA (Hons)) at York St John University, based in YSJ Main Campus. It runs 4 years, studied full-time.

For Business and management graduates from this provider, 85% were in work or further study 15 months after graduating, 45% 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 Accounting & Finance, see the sections below.

Course evidence score

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

8.3
/ 10
Excellent
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Strong70

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
Excellent85

Limited evidence Published sample: 15; treat comparisons cautiously. Cohort 2022-23. Graduate Outcomes work or further study 85% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Exceptional95

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2021-23. Continuation 95% (2021-23; 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
  • Microeconomics and MacroeconomicsCompulsory20 credits
    Module details

    This module introduces you to the core principles of microeconomics and macroeconomics, focusing on understanding how these concepts can be applied in real world scenarios. You will build practical skills, learning to apply theory to address practical challenges faced by businesses. By studying this module, you will develop an understanding of how individual decisions and developments in economic environment may influence business strategies.

  • Introduction to AccountingCompulsory20 credits
    Module details

    This module provides an introduction to ideas that are essential for your understanding of both financial and management accounting. We go beyond theory, equipping you with authentic workplace skills and a deeper understanding of your own strengths and abilities. The topics we will explore include: Differences between financial accounting and management accounting, Preparing simple financial statements (such as statements of profit or loss, statements of financial position, and cash flow stateme

  • Accounting in ContextCompulsory20 credits
    Module details

    This module will introduce you to some of the contexts in which accounting operates. We will contextualise the accountant's role in organisations, working and communicating with other organisational functions to provide useful information. By the end of the module you will be able to: Explain the role of accountants in various organisations, Analyse organisational information within the context of the operating environment, Recognise and assess your current skills to plan for your own profession

  • Financial AccountingCompulsory20 credits
    Module details

    This module focuses on recording, processing, and reporting business transactions and events. You will also learn to identify and correct errors, and consider the production of financial statements for incorporated entities. We will cover: The regulatory framework, Double-entry book-keeping principles including the maintenance of accounting records and sources of accounting information, Understanding and applying accruals, prepayments, valuing closing stock, depreciation, bad debts, and provisio

  • Data Analysis for BusinessCompulsory20 credits
    Module details

    Modern businesses generate data at unprecedented scales, and data has become the lifeblood of businesses. This module introduces you to the essential characteristics of data, and the skills you need to use them effectively for business decision-making. We will teach you about the mathematical and statistical methods that are frequently applied in business, finance and economics. The module emphasises the practical application of mathematical and statistical tools to solve real business problems

  • Management AccountingCompulsory20 credits
    Module details

    On this module you will learn about cost concepts and methods of basic cost accumulation in a variety of business settings. We will explore the principles of financial control, including standard costing and budgeting. You will also learn to use basic analytical techniques involved in the provision of accounting information for short and long-term decision making, and address some of the ethical and social considerations which need to be taken into account.

Year 2 8 modules
  • Advanced Management AccountingCompulsory20 credits
    Module details

    This module will further develop your managerial accounting techniques, in particular those relating to planning, control and decision making at an operational and tactical level. You will also investigate the impact of financial control and decision making on human behaviour. This will help you to develop your understanding of management accounting techniques, while also considering the financial, behavioural and environmental consequences of these actions.

  • Business LawCompulsory20 credits
    Module details

    A knowledge of the principles of business law is essential for anyone who aspires to manage and direct a business. This module will introduce you to the basic framework of English law, developing your knowledge and skills in the areas of contract law, agency law and Tort (a wrongful act or an infringement of a right leading to legal liability). You will also learn about laws relating to the formation and running of partnerships and companies.

  • Corporate FinanceCompulsory20 credits
    Module details

    This module will deepen your understanding of investment decisions by situating them within a broader business context. We will focus on the sources and costs of both internal and external finance. On this module you will: Learn to analyse capital budgeting decisions, particularly in the context of risk, Compare and contrast various theories of capital structure, Understand how different capital structures can impact a company's cost of capital, Critically evaluate theories of stakeholder value,

  • AuditingCompulsory10 credits
    Module details

    On this module you will develop your understanding of auditing procedures, as well as investigating contemporary issues in auditing. Whether you aspire to a career as a professional accountant in professional practice, industry or commerce, a sound understanding of the principles underlying auditing is essential. This knowledge will enhance your wider awareness of issues such as ethical conduct, quality assurance and practice development.

  • TaxationCompulsory10 credits
    Module details

    On this module you will gain an understanding of taxation policies and principles, together with a detailed knowledge of income taxation. You will investigate the fiscal policies and principles of income taxation, and will learn how to understand and evaluate the mechanisms for calculating personal tax liabilities. You will also develop skills in tax planning and computation, and appreciate the importance of accuracy and integrity in a professional environment.

  • Financial ReportingCompulsory20 credits
    Module details

    This module will further develop your understanding of the principles of financial accounting, referencing the key International Financial Reporting Standards (IFRS) Accounting Standards. You will review the conceptual and regulatory frameworks for financial reporting, and explore how these inform the standard setting process. We will focus on the reporting of financial information for single companies, in accordance with generally accepted accounting principles and relevant IFRS Accounting Stan

  • Business Intelligence and Data VisualisationCompulsory20 credits
    Module details

    In today's data-driven business landscape, the ability to analyse, interpret, and communicate insights effectively is a critical skill. Organisations rely on Business Intelligence (BI) tools and data visualisation techniques to transform raw data into meaningful narratives that drive decision-making. This module will give you the practical skills to harness the power of BI, using tools such as Power BI to create dynamic, interactive dashboards and reports. By integrating visualisation principles

  • Business Research MethodsCompulsory20 credits
    Module details

    Understanding research and conducting it is a life skill, as well as being valuable to the functioning of organisations. This module will give you the foundational skills to evaluate, design and conduct research. You will learn to: Formulate and scrutinise research questions, Design and propose research methodology, Collect qualitative and quantitative data, Analyse data, reach conclusions using it, and report it. These skills will be transferable in all fields of business, including finance, ma

Year 3 1 modules
  • Research InvestigationCompulsory

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 course develops the practical knowledge and skills needed for a career in accounting, finance and business. A course like this typically begins with financial and management accounting, introducing double-entry bookkeeping, financial statements, costing and budgeting. Concurrently, you'll study introductory finance covering time value of money, markets and risk, alongside quantitative methods for spreadsheet modelling and financial decisions. In year 2, you'll move to corporate finance, financial reporting and analysis under IFRS standards, and audit basics. Year 3 combines advanced corporate reporting, including group accounts and complex transactions, with specialist options such as audit and assurance, taxation, corporate finance, financial risk, and fintech. You'll complete an independent dissertation or applied project, often aligned with professional-body exemption requirements.

Who it's for

You're analytical and comfortable with detail, drawn to understanding how organisations manage money and risk. You're interested in accounting, finance or business but want genuine breadth, not just number-crunching, but developing skills to communicate findings and solve complex problems. You may be early in your career journey or returning to education, particularly if the Foundation Year appeals to you. Studying here means learning from a teaching-focused institution (Silver for teaching quality, Office for Students 2023) where you'll develop both technical knowledge and the practical competencies that employers in accounting and finance expect.

Careers & job market

Nationally, 87% of Accounting & Finance graduates are in work or further study within 15 months of completing their degree, with 65% in highly skilled roles or further study. Graduate earnings across the sector start at £25,000–£32,500 (at 15 months), rising to £30,175–£42,600 after five years. Many graduates progress into chartered accountancy qualifications or move into corporate finance, audit, taxation or business advisory roles. The professional accreditations embedded in this course accelerate that pathway.

University & format

York St John University is a University located in the UK (YSJ Main Campus). This is a 4-year full-time Bachelor's degree taught in English. The course is accredited by the Institute of Chartered Accountants in England and Wales (ICAEW) and the Association of Chartered Certified Accountants (ACCA) for exemption from some professional examinations. As a recognised UK degree-awarding body, the qualification is nationally recognised. The university 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
70%
Learning opportunities
74%
Assessment and feedback
69%
Academic Support
92%
Organisation and management
63%
Learning resources
66%
Student voice
57%

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.

AccreditationACCA, CIMA, ICAEW

Names detected beside accreditation or recognition copy on the provider course page; verify the route and intake.

PlacementPublished placement option

Placement year. Availability, selection and pay can vary.

Open daysExplore our Open Days

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

Entry & how to get in

Typical offer (from the provider)The university’s course page lists around 104 UCAS points. Always check the provider for the current offer and subject requirements.
Most entrants held A-levels or equivalent100% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 64 - 79 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Professionally accreditedAccredited by the Institute of Chartered Accountants in England and Wales (ICAEW) for the purpose of exemption from some professional examinations
Professionally accreditedAccredited by the Association of Chartered Certified Accountants (ACCA) for the purpose of exemptions from some professional examinations
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check York St John University'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 equivalent100%

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 gradesDDDA-level equivalent admitted students held
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course. 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 York St John University 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

Home£9,790 / yr
International£12,100 / yr

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

Check fees at York St John University →

For students who normally live in England

illustrative Maintenance Loan per year
£9,790tuition used per year, published course home fee
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 York St John University funding →

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

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

StudyKit · free

Still deciding what to study?

StudyKit brings course choice, applications and funding together in one place, with a personal AI assistant. Find what really fits you and start your UCAS application step by step.

Career quizApplication walkthroughSalary & CV check

Careers & earnings

What Accounting & Finance 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£22,000 – £28,00015
3 years after£22,500£18,500 – £27,000245
5 years after£27,500£23,000 – £33,000240

Nominal earnings for graduates of this course/subject at this provider. Limited evidence. Published sample: 15; treat comparisons cautiously. Cohort 2022-23.

Graduate outcomes, 15 months on: this course

85%
in work or further study 15 months on
45%
in highly skilled work or study
95%
continue past their first year
60%
find their work meaningful
60%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in accounting & finance · 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 Accounting & Finance nationally

Starting (15 months) HESA GO
£25,000
£25,000 – £32,500
After 3 years LEO
£22,500
£23,375 – £33,000
After 5 years LEO
£27,500
£30,175 – £42,600
national rangethis course’s medianaxis £21,000 – £44,500

National figures for Accounting & Finance 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.

85 of 100

were in work or further study

15 months after graduation

45% working40% working and studying5% in further study45% 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 2022-23. 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 Accounting & Finance courses at the same study level.

UK occupations graduates enter

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

  • Business and public service associate professionalsSOC 2020 35 · 30% of published destinations · ASHE median £38,760
  • Administrative occupationsSOC 2020 41 · 15% of published destinations · ASHE median £27,006
  • Sales occupationsSOC 2020 71 · 10% of published destinations · ASHE median £15,975

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: 65; response rate: 55%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Is BA (Hons) Accounting and Finance with Foundation Year worth it?

Weigh it carefully. On these figures graduates of BA (Hons) Accounting and Finance with Foundation Year earn close to non-graduate pay, so on cost alone the course is slow to pay off.

Slower payoff: this course’s graduate earnings stay close to non-graduate pay
break evenyr 0yr 5yr 10yr 15yr 20yr 25yr 30graduateNot recovered within 30 years

Cumulative earnings vs. going straight to work at 18, counting tuition and 4 years of wages given up while studying. The model remains below break even after 30 years. This is a simplified gross-earnings comparison, not a forecast of cash loan repayments.

−£4,160
10-year payoff
extra earnings over the first decade, after the fees you pay
0.89×
Return on investment
extra earnings over 10 yrs per £1 of fees
£39,160
Tuition over the course
£9,790/yr × 4 yrs (published course home fee)
£27,500
Grad earnings, 5 yrs on
£3,500 above a non-graduate (£24,000)

Model: this course’s own median graduate earnings (Graduate Outcomes / LEO) above the £24,000 non-graduate baseline (ONS), net of £9,790/yr over 4 years (published course home fee). Eligible England-domiciled students can apply for a Tuition Fee Loan; repayments are 9% only on income above the threshold, with anything left written off after 40 years. That makes the cash flow different from conventional commercial debt. Opportunity cost assumes £18,000 gross earnings forgone in each study year; figures are nominal and exclude tax, living costs, investment returns and loan interest. A simplified estimate. Earnings and actual fees vary by graduate, provider, fee status and UK nation.

Job market & outlook

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

87%
in work or further study 15 months after graduating, across Accounting & Finance courses nationally.
Graduate Outcomes
65%
of working graduates are in highly skilled work or further study.
highly skilled
85%
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 Accounting & Finance graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • The Big Four (Deloitte, PwC, EY, KPMG)
  • Banks & insurers
  • Corporate finance teams
  • HMRC & public sector

Is this course right for you?

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

💷

Student finance

Published home tuition is £9,790/year for this course. 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

85% 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 8.3 out of 10: NSS 70.1% · in work or study 85% · continued 95%.

Who studies here and in this subject?

Provider- and UK subject-level context.

York St John University

All students12,150
International37.1%
Aged 25+31.6%

Business and management across the UK

Students586,710
Aged 25+44.3%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around YSJ Main Campus

2,229 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 714Anti Social Behaviour 546Shoplifting 353Public Order 133Criminal Damage Arson 121

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

Is Accounting & Finance right for you?

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

International students

What applying to York St John University from outside the UK involves: fees, English, visa, funding and living costs.

Tuition fees

International tuition is £12,100 / 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 York St John University’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 York St John University 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 64 - 79 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 York St John University. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For Business and management graduates from this provider, 85% were in work or further study 15 months after graduating, 45% in highly skilled roles, typical earnings around £25,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)
The published home tuition is £9,790 per year for this course. 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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