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These slides contain basic info about Functional Skills Mathematics at AFCL

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This power point looks at some examples of written methods for subtraction.

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Nice simple resources for multiplication.

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Times Table Tips | Dr Mike's Math Games for Kids

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Tips to make it easier to remember the times tables.

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Some really interesting info on financing further study which uses various percentages to give examples of the actual cost of a student loan.

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2. How much interest will you actually repay?

To find if overpaying is worth it, it's worth trying to get an idea of how much of the interest you're actually likely to be repaying. Using the MSE student loan calculator can give you an idea, but remember it has to make many assumptions - so is a rough indicator only. Here's how to interpret the results...

a) Is the 'what you repay amount' less than your initial borrowing? If so, you won't be repaying any interest at all, as you won't repay even what you initially borrowed.

b) Is the 'amount converted into today's money' less than your initial borrowing? That means you're paying less interest than inflation, which means in economic terms, holding onto the loan means it's shrinking.

Going back to my shopping baskets analogy... if you borrow £10,000 which buys 100 shopping baskets' worth of money, and inflation increases the price of those shopping baskets to £15,000, but you only need repay £14,000 in real terms, the loan has shrunk.

In both cases, the gain from repaying is likely to be very limited. If you are repaying more than this, so the 'total in today's money' is higher than your original borrowing, then that difference is the real cost of interest to you of the loan.

3. How certain are you of future earnings?

By definition, as this guide is for those who started university in 2012 or after, there's a long time to go before you hit the 30-year write-off.

So think about whether you're sure you'll stay in your current profession, could you opt out? Take a pay cut? Take time out to bring up a child?

The less certain you are of future solid strong earnings, the more you should hedge towards not overpaying the loan as the downside risk is bigger than the upside gain. If you don't repay the loan and should've done, it's because you'll be a higher earner. Yet overpay now and then have a salary drop, and you may've ended up throwing money away.

4. Will you need other borrowing in future?

Anyone with other expensive debts should certainly pay them off before touching the student loan. Though even if you're debt-free elsewhere, remember...

Use money to overpay your student loan now and you risk needing to borrow it back elsewhere in future.

You might have no debts right now. But it's possible you will have in future, likely for a mortgage or perhaps a car loan, or to set up a business.

By paying off your student loan quicker than necessary now, rather than saving that off, you may need to borrow that amount back via some commercial form of lending later.

It's worth noting, if you unwittingly overpay your student loan, for example as the deductions were taken wrongly, you can reclaim that money. However, if you voluntarily overpay - you cannot ever get that cash back.

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Student loan 6.3% interest - should I panic or pay it off?

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To find if overpaying is worth it, it's worth trying to get an idea of how much of the interest you're actually likely to be repaying. Using the MSE student loan calculator can give you an idea, but remember it has to make many assumptions - so is a rough indicator only.

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James English Maths is on Facebook. Join Facebook to connect with James English Maths and others you may know. Facebook gives people the power to share and makes the world more open and connected.

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Excellent visual resource, check out the Youtube channel too.
For Functional Skills group, check out 'Early Maths'.

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An excellent resource that goes from Primary to A-Level. This link takes you to GCSE maths-Whoe numbers, but please explore the subjects from here

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BBC Bitesize - GCSE Maths - Whole numbers - OCR - Revision 1

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Learn about and revise whole numbers and how they can be added, subtracted, multiplied and divided using rules with GCSE Bitesize OCR Maths.

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Includes step by step of Lattice method.

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Key facts to pass Functional Skills Mathematics