Reliable information on repayments made by borrowers is not available at the level requested. The repayment of income contingent student loans begins from the April after a student graduates or leaves full-time study and earns over £15,000 a year. Repayments are made through the UK tax system either by employers through the PAYE system or through the self assessment returns at 9 per cent. of income above the threshold. Borrowers with the older mortgage style loans make repayments through agreed monthly direct debits when income is above 8 per cent. of average national average earnings (£25,936 in 2008-09).