Thesis Servicing is the UK’s premier private-sector owned student loan administrator. The business is part of the Link Financial Group and was created in response to the ever growing demand for public and private sector higher education funding. We operate a purpose built customer service centre and system which means we are able to manage the full life cycle of a student loan from origination to settlement. We also offer deferment and arrears management services to address the needs of those borrowers who are unable to keep to their scheduled payment plan.

Thesis Servicing is committed to providing an excellent service to our clients and customers. You can contact us by telephone on 0333 004 5045 (or if calling from abroad: +44 2920 808 684) or by email at

Since 2008, Thesis Servicing has been responsible for administering a portfolio of student loans sold by the UK Government in 1998 and now owned by Finance For Higher Education (FFHE) Limited.

Deferment Support & Advice…March 2018

March to May is traditionally a busy period for deferment applications; please find below some useful information that may assist you with your application:

The deferment threshold is currently £29,219 (equivalent to £2,435 per month).

If your account is already deferred, please note that new deferment forms are automatically issued by the Student Loans Company approximately 8 weeks prior to the end date of your current deferment period. We advise that if you have not received your form within 4 weeks of your end date that you contact us by email at

Your deferment application should be returned by post to the Student Loans Company in the pre-addressed envelope provided within 14 days of receipt of your deferment pack. Returning the form direct to the Student Loans Company will ensure that it is processed quickly and efficiently. To ensure safe delivery it is recommended that your application is returned by recorded delivery. If you do not have a pre-addressed envelope, please return to: The Student Loans Company, Po Box 4033, Glasgow, G52 4XL

Please note that the deferment form has been revised for 2018; please refer to the guidance notes included with your deferment pack for assistance in completing your application.  Alternatively, please click here for further advice.

Changes to the Interest Rate and Deferment Threshold for Mortgage Style Loans – 2017/18

• Interest Rate

The Department for Education (DfE) have confirmed that the new interest rate to be applied to all loans currently being serviced by Thesis Servicing for the period 1st September 2017 until 31st August 2018 will be 3.1%.

The new interest rate is always linked to the Retail Price Index (RPI) value from the previous March. RPI in March 2017 was 3.1%.

Interest will continue to be applied to accounts during any period of deferment.

Each September following the application of the new interest rate, all accounts in a repayment status will receive a new monthly repayment amount for the new 12 month period. This amount is calculated taking into account the remaining balance and term of the loan, and the interest that will be accrued during the same period against the new rate.

• Deferment Threshold

The DfE have also confirmed the new deferment threshold for mortgage style loans for 1st September 2017 until 31st August 2018. The new threshold is a gross annual income of £29,219.00 (equivalent to £2,434.91 per month).

The threshold is calculated annually by DfE and is set at 85% of average national earnings.

If you are not currently deferred but feel you are now eligible to defer your repayments for 12 months, please call our Customer Service Officers on 0333 004 5045 quoting your loan reference number and someone will be happy to assist you.