1. Tax and National Insurance Income tax: Tax free Personal Allowance of £10,000 Tax free Personal Allowance of £10,000 20% £0 to £31,865 ( after allowance) 20% £0 to £31,865 ( after allowance) 40% £31,866 to £150,000 40% £31,866 to £150,000 45% over £150,000 45% over £150,000 (for 2014/15 tax year)

2.  National Insurance:  0% for first £152 per week  12% Between £152 and £805 per week  2% on earnings over £805 per week 2014/15

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