original_query: What is the mechanism for repaying post-2012 loans if the debtor has moved overseas?
query: What is the mechanism for repaying post-2012 student loans if the debtor has moved overseas?
answer: The mechanism is similar to that for debtors still in the UK: 9% of gross income above a specified threshold (in pounds sterling), but the threshold varies by country to account for salary and cost of living differences.  If an Overseas Income Assessment Form isn't returned, a default monthly repayment based on twice the country's average income is applied.