1. Tax and National Insurance Income tax: Tax free Personal Allowance of £10,600 Tax free Personal Allowance of £10,600 20% £0 to £32,000 ( after allowance) 20% £0 to £32,000 ( after allowance) 40% £32,001 to £150,000 40% £32,001 to £150,000 45% over £150,000 45% over £150,000 (for 2016/17 tax year – starts April 2016)

2.  National Insurance: Employee (Primary) 2016/2017 Earnings (£ a week) 24 24 NIC rate (%) Below £112 (LEL)0 £112-155 (PT) 25 25 0 £155-827 (UEL)12 Earnings above £827 2 Class 1 National Insurance contribution rates 2016-17

3. Student Loan Repayments  You only make repayments when your income is over £21,000 a year. If your income drops below this amount repayments stop.  Each month you pay back 9% of any income over £21,000

4. Graduate or Not? Graduate JobsProbably Graduates – most people are graduates but a degree is not essential Non Graduate Jobs NurseWaste/ Recycling OfficerPilot DentistMuseum/Gallery CuratorReflexologist Forensic ScientistPolice OfficerHealthcare Assistant DoctorCounsellorUnderwriting Apprentice OptometristPrivate AccountantSocial Media Apprentice BarristerJournalistRetail Management Apprentice Mechanical EngineerJobs that include a degree as part of an apprenticeship - a degree but no student loan to pay. Careers AdvisorTechnology ApprenticeElectrical Engineering Apprentice Social Worker School Teacher Radiographer