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United KingdomGOV.UK

MTD software pre-fills student-loan data; checking duty stays

Student-loan borrowers filing under MTD get plan type and PAYE repayments pre-populated, but must verify the data before submitting as the software calculates the repayment due.

By Taxxa AI OyPublished 17 September 2026

Tax

Self Assessment taxpayers with student or postgraduate loans who use Making Tax Digital for Income Tax must complete and submit the return in compatible softwareGOV, which pre-populates their student loan plan type and the repayments already deducted through PAYEGOV, and calculates the repayment dueGOV. The customer remains responsible for checking that the pre-populated information is complete and accurate before submissionGOV — the software's calculation is only as good as the data it is given.

The new paragraphs sit in the student-loan cases page of the Self Assessment Manual alongside the paper-return mechanics they parallel. On the SA100 main return the borrower declares liability in the Student Loan and Postgraduate Loan repayments section, and PAYE borrowers enter employer deductions from payslips or P60, cross-checked against payslips since repayments are not cumulative. Under MTD the same information arrives pre-populated instead of transcribed, but the checking duty staysGOV with the taxpayerGOV, and advisers should build a verification step into the MTD filing workflow rather than treating pre-population as confirmation.

The MTD timetable gives the change its urgency. Sole traders and landlords with qualifying income over £50,000 for 2024 to 2025 should have started using MTD for Income Tax from 6 April 2026GOV, with the £30,000 threshold bringing the next cohort in from 6 April 2027GOV and £20,000 from 6 April 2028GOV. For borrowers in those cohorts who use MTD software, the student-loan details are now handled inside that software.

The underlying repayment arithmetic is unchanged: 9 per cent of eligible income above the threshold for student loans and 6 per cent for postgraduate loans collected through Self Assessment, with unearned income counting only above £2,000, and the student-loan element of any balancing payment excluded from next year's payments on account. The software now performs the calculation the taxpayer or HMRC's computer previously did.

The source is the Self Assessment Manual student-loan cases page read with the Making Tax Digital for Income Tax scope and timing guidance.

If your client has a student or postgraduate loan and files under MTD, verify the pre-populated plan type and PAYE repayment figures against payslips or P60 before submitting the return.

Sources