Most Year 12s have heard 'student loan' but not seen the maths. This module makes student finance concrete: maintenance loan vs tuition loan, repayment thresholds, plan 5 (post-2023 students), monthly cashflow at uni vs apprenticeship, where to apply. Plus basic adulting (rent, bills, banking).
Learning outcomes
- I can explain student finance plan 5 in plain language
- I can build a realistic monthly cashflow for my post-18 plan
- I can describe three real-world adulting tasks (rent, banking, taxes)
Success criteria
- Personal cashflow planner completed
- Student finance plan 5 quiz passed
1
Plan 5 walkthrough
20 min
Explain plan 5: 9% over £25k threshold, 40-year term. Worked examples for typical exit salaries.
Build your own monthly cashflow at uni or in a degree apprenticeship. Income, rent, food, transport, social. Plug the gap?
Builds: Planning
Quick walkthrough: opening a current account, council tax, rent contracts, payslips. Two real questions to ask parents.
📓 Chapter timeline: Save your cashflow planner to Chapter. Update it each year.
🎮
Chapter Student Game
+60 XP
Action: Save your post-18 cashflow plan to Chapter
Save your monthly cashflow plan + finance quiz score to Chapter as Y12 evidence.
Skills: Planning, Problem Solving
One thing that surprised me today was…
One question I still have is…
My next step before next lesson is…