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# Applying a Student Loan to an Employee in FreePayroll

Applying a student loan or a postgraduate loan to an employee in FreePayroll is a straightforward process. Follow these steps to ensure the changes are implemented correctly:

### **Navigating to the Employee Record**

1. **People Section**: Navigate to the 'People' section of FreePayroll.
2. **Employee record**: Click on the three dots next to the employee’s name and select 'Edit' to open the employee record.

### **Accessing Student Loans**

1. **Locate Student Loans Tab**: In the employee record, the 'Student Loans' tab is not immediately visible as it is the last tab. Click on the arrow to expand and show more tabs.
2. **Select Student Loans**: Once you are in the 'Student Loans' section, you will see all available student and postgraduate loans.
3. **Activate Loans**: Switch on the loans you wish to apply to the employee.
4. **Save Changes**: Click 'Save' to apply the changes.

### **Effect on Payroll**

- Once you return to your current payroll, if the employee meets the criteria for student loan deductions, you will see the deduction applied.
- **Immediate Effect**: Note that changes take effect immediately. Apply the student loan only if you want it to reflect in the current payroll cycle.

### **Important Consideration**

Ensure you only activate the student loan settings when you intend for them to take effect right away, as this could impact the payroll deductions immediately.

### **Troubleshooting: No Deductions Showing**

If no deductions are visible in the payroll despite applying a student loan:
- **Earnings Threshold**: Ensure the employee's earnings are above the threshold for their specific loan plan type.