Resources

Downloads: Student loans

Student loan repayments go straight into the government’s Consolidated Fundđź’ˇand a percentage is then used to finance arms manufacturers, illegal wars, and crimes against humanity. The process for withholding your student loan repayments is the same as for  any other type of personal tax. 

Step 1: Set up your Loan Repayment Trust
Select the deed of trust version for your UK location, and then follow the instructions. Fill in your details, print out your trust deed, get your signature witnessed, and put the document in a safe place. Do not send the original to HMRC or anyone else! Send a copy of the witnessed document instead.

Step 2: Open your standalone bank account
You must keep your withheld loan repayments entirely separate from everyday income and expenditure. Opening a new bank account is the simplest solution, but you could also use a cash box as long as you can demonstrate the funds are ring-fenced.

Step 3: Let HMRC know what you’re doing
Use the template letter to tell HMRC what you’re doing — and why. Follow the instructions and — with a copy of your witnessed deed of trust — send to everyone on the list. Use Royal Mail’s signed-for service so you have a record of delivery. Also let the Student Loan Company know what you are doing.

Step 4: Take action at year-end
At your trust’s termination date — usually 5 April, the end of the tax year — inform HMRC and the Student Loan Company that you are not making any loan repayments as you’ve not had verifiable evidence that government funding for genocide and war crimes has ceased. Under the terms of your trust, the withheld money reverts to the second beneficiary, which is usually you. 

We go into much greater detail about this process in Setting Up a Trust, which is also included in the downloads packs.

Downloads

Discover how to withhold tax

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Definition: Fiduciary

A fiduciary is person or organisation in a position of trust who has a legal duty to act in good faith and in the best interests of another party, such as a trustee for beneficiaries of a trust.

Placing your home in a separate trust

Creating a distinct legal trust specifically for your primary residence. This ensures that your home is no longer legally “owned” by you as an individual, but held in trust for your benefit. Doing so may offer protection against enforcement action by councils or creditors, especially if you are challenging council tax or other state demands. It is a precautionary step to reduce the risk of property seizure or legal intimidation. Legal advice is recommended before proceeding.

Definition: Trusts

A trust is a legal tool that ring-fences your money until certain conditions are met. The Make War History Taxation Trust is a conditional, revocable trust to withhold tax until it’s proven it won’t be used unlawfully — for example, to fund war. 

Definition: Promissory Note

A Promissory Note is a legally binding promise to pay — but only once the trust’s conditions are met. It shows you’re not refusing to pay tax outright, just demanding it be used lawfully. This adds weight to your position and ensures the legal system recognises your intent.