Can you explain the student loan repayment process after graduation in UK/Germany?

The student loan repayment process after graduation depends on the country and lender:

- Germany: Repayment usually starts 6 - 12 months after graduation. Terms like interest rate and schedule depend on your lender (private bank or government). Review your loan agreement for exact details. - Spain: Loans often have a grace period up to 2 years post-graduation. Repayment terms and monthly amounts vary by lender - check your contract for specifics. - UK: Repayment is income-based. If employed, payments are deducted from your salary once you earn above a set threshold (e.g., 9% of income over £29,385/year for Plan 2). Self-employed graduates pay via annual tax returns.

Repayment terms and conditions are subject to change and vary by lender.