Student Finance

Overview

You may be able to borrow money to help pay for university or college tuition fees and to help with living costs. You might get extra money on top of this, for example if you’re on allow income, are disabled or have children.

Before you apply
You start repaying once you earn over a certain amount. The size of your monthly repayments will depend on how much you earn, not what you owe.You’ll be charged interest on the loan from the day you take it out. The terms and conditions can change. The rules are different if your course started before September 2012. Read the student finance privacy notice to find out how the information you provide will be used.

How to apply
Find out how to apply for student finance.If you’re under 25, you might be able to apply as an ‘estranged student’ if you either:
have no contact with your parents support yourself There’s a different process if you’re a student from ScotlandWales, or Northern Ireland. Contact the education authority if you live in the Channel Islands (Jersey) and Guernsey or Isle of Man.
You would then review your responses from all institutions through UCAS.This services support young people making choices after their GCSEs, as well as those applying for undergraduate and postgraduate courses. A centralised admissions service for undergraduate admissions to higher education dates back to 1961 when UCCA (Universities Central Council on Admissions) was formed, to help Universities effectively manage multiple applications from students. An Executive Team of Directors, and its Board of Trustees manage UCAS.UCCA merged with its partner organisations PCAS (Polytechnics Central Admissions System) and SCUE (Standing Conference on University Entrance) in 1993 to create one independent service – UCAS. 
As a centralised admissions service, we encourage students to consider courses and learning opportunities across the UK and promote choice.In 2014, undergraduate admissions service handled almost three million applications from 700,000 UK, EU, and international students. UCAS have helped 512,000 students secure a full-time place at one of over 380 Universities and Colleges across the UK. 

2. New full-time students

You can apply for a Tuition Fee Loan and Maintenance Loan if your course starts on or after 1 August 2016.

Tuition Fee Loan
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.
Full-time student 2018 to 2019 academic year 2019 to 2020 academic year
Full-time Up to £9,250 Up to £9,250
If you’re studying an accelerated degree course, you could get up to £11,100.

Maintenance Loan for living costs

You may have to give details of your household income. The loan is paid directly into your bank account at the start of each term. You have to pay the loan back.
Full-time student 2018 to 2019  academic year 2019 to 2020  academic year
Living at home Up to £7,324 Up to £7,529
Living away from home, outside London Up to £8,700 Up to £8,944
Living away from home, in London Up to £11,354 Up to £11,672
You spend a year of a UK course studying abroad Up to £9,963 Up to £10,242

If you’re 60 or over on the first day of the first academic year of your course you can apply for up to £3,783. Use the student finance calculator to estimate your Maintenance Loan.

Help with the costs of studying abroad
You might get a grant to cover some travel expenses if you normally live in England but study away from home. If you’re a medical or dental student you might also qualify for help with the costs of attending clinical placements in the UK.

3. Continuing full-time students



Tuition Fee Loan
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.
Full-time student 2018 to 2019  academic year 2019 to 2020  academic year
Full-time Up to £9,250 Up to £9,250


Maintenance Loan for living costs
Students aged 60 and over cannot apply. You may have to give details of your household income. The loan is paid directly into your bank account at the start of each term. You have to pay the loan back.
Full-time student 2018 to 2019  academic year 2019 to 2020  academic year
Living at home Up to £4,960 Up to £5,099
Living away from home, outside London Up to £6,236 Up to £6,411
Living away from home, in London Up to £8,702 Up to £8,946
You spend a year of a UK course studying abroad Up to £7,410 Up to £7,617

In your final year, you’ll receive less money than you did in previous years.

Maintenance Loan for living costs
You have to give details of your household income and your course start date. The grant is paid into your bank account at the start of each term. You do not have to pay it back, but any funds you get will reduce the Maintenance Loan you can get.

Special Support Grant
You may get a Special Support Grant instead of a Maintenance Grant if you get or qualify for:
• Income Support 
• income-related Employment and Support Allowance
• Housing Benefit 
• the housing element of Universal Credit

The amount you get is the same as the Maintenance Grant, but it will not reduce the Maintenance Loan you can get. You may get the Special Support Grant if, for example, you’re a lone parent or have certain disabilities.You’ll be told if you can get the grant when you apply for student finance.

Apply
Apply for student finance or find out how to apply.
What you’re eligible for depends on when your course starts.
If your course starts on or after 1 August 2016
You can apply for a Tuition Fee Loan and a Maintenance Loan if your course starts on or after 1 August 2016.


Tuition Fee Loan
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.
Full-time student 2018 to 2019  academic year 2019 to 2020  academic year
Full-time Up to £9,250 Up to £9,250

Maintenance Loan for living costs
You may have to give details of your household income. The loan is paid directly into your bank account at the start of term. You have to pay the loan back.
Full-time student 2018 to 2019  academic year 2019 to 2020  academic year
Living at home Up to £7,324 Up to £7,529
Living away from home, outside London Up to £8,700 Up to £8,944
Living away from home, in London Up to £11,354 Up to £11,672
You spend a year of a UK course studying abroad Up to £9,963 Up to £10,242

If you’re 60 or over on the first day of the first academic year of your course you can apply for up to £3,783.
In your final year, you’ll receive less money than you did in previous years.
If your course started before 1 August 2016
You can apply for grants and loans if your course started before 1 August 2016.

Help with the costs of studying abroad
You might get a grant to cover some travel expenses if you normally live in England but study away from home. If you’re a medical or dental student you might also qualify for help with the costs of attending clinical placements in the UK.

4. Part-time students

You may be able to get a loan if your part-time course has a ‘course intensity’ of 25% or more.
‘Course intensity’ measures how much of your course you complete each year compared to an equivalent full time course.
You can work this out by comparing your module credits with the number of module credits a full-time student will study. You’ll be asked how many credits you’ll study when you apply for the loan.Check with your university or college if you’re not sure.What you can apply for depends on when your course starts. 

If your course starts on or after 1 August 2018
You can apply for a Tuition Fee Loan and a Maintenance Loan.


Tuition Fee Loan
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.
Part-time Up to £6,935 Up to £6,935
Part-time at a private university or college Up to £4,625 Up to £4,625

Maintenance Loan for living costs
How much you can get depends on:
• where you live while studying 
• your household income 
• your course intensity

The loan is paid directly into your bank account two weeks after the start of each term. You have to pay the loan back.

You can only apply for a Maintenance Loan as a Distance Learning student if you cannot attend your course in person because of a disability.
Use the student; finance calculator to estimate your Maintenance Loan.
You’re not eligible for a Maintenance Loan if you’re 60 or over on the first day of the first academic year of your course.

If your course starts on or after 1 August 2018
You can apply for a Tuition Fee Loan.
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.

Part-time student 2018 to 2019  academic year 2019 to 2020  academic year
Part-time Up to £6,935 Up to £6,935
Part-time at a private university or college Up to £4,625 Up to £4,625


Maintenance Loan for living costs
How much you can get depends on:
• where you live while studying 
• your household income 
• your course intensity


The loan is paid directly into your bank account two weeks after the start of each term. 
You have to pay the loan back.  
You can only apply for a Maintenance Loan as a Distance Learning student if you cannot attend your course in person because of a disability.
Use the student finance calculator to estimate your Maintenance Loan. You’re not eligible for a Maintenance Loan if you’re 60 or over on the first day of the first academic year of your course.

If your course started before 1 August 2018
You can apply for a Tuition Fee Loan.
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.
Part-time student 2018 to 2019  academic year 2019 to 2020  academic year
Part-time Up to £6,935 Up to £6,935
Part-time at a private university or college Up to £4,625 Up to £4,625

5. EU students

You may be able to get a Tuition Fee Loan and help with living costs if you’re from an EU country
You might get a grant to cover some travel expenses if you normally live in England but study away from home. If you’re a medical or dental student you might also qualify for help with the costs of attending clinical placements in the UK.
Use the student finance calculator to see what finance you can get.

Tuition Fee Loan
Your university or college sets your tuition fee, and the loan is paid directly to them. You have to pay it back.

Full or part-time student 2018 to 2019 academic year 2019 to 2020  academic year
Full-time Up to £9,250 Up to £9,250
Full-time at a private university or college Up to £6,165 Up to £6,165
Part-time Up to £6,935 Up to £6,935
Part-time at a private university or college Up to £4,625 Up to £4,625



Help with living costs
You may be eligible for help with your living costs if you’ve lived in the UK for more than 5 years before the first day of the first academic year of your course.

6. Extra help

Students on a low income
You can apply for: • Income Support
• extra help if you’re experiencing financial hardship


Students with children or dependent adults
You can apply for: • Childcare Grant – full-time students only
• Parents’ Learning Allowance – full-time students only
• Adult Dependants’ Grant – full-time students only
• Child Tax Credit 
• extra help if you’re experiencing financial hardship


Disabled students
If you have a disability, long-term health condition, mental health condition or specific learning difficulty (such as dyslexia) you can apply for:
• Disabled Students’ Allowances 
• extra help if you’reexperiencing financial hardship  

You may also qualify for disability related benefits.

Medical, social work and teacher training students
You can apply for:
• NHS bursaries if you’re studying certain medical, dentistry or healthcare courses 
• help with costs of travel to UK clinical placements if you’re studying a medical, dentistry or healthcare course
• social work bursaries if you’re a social work student • extra help if you’re a teacher training student

Students studying abroad
You might get a grant to cover some travel expenses if you normally live in England but study away from home.
Your university or college
This should be a university, college or other institution that offers a qualifying course.

7. Eligibility

Whether you qualify for student finance depends on: • your university or college • your course • if you’ve studied a higher education course before • your age • your nationality or residency status

Your course
Check with the university or college that your course is recognised. If you’re studying full-time You may be eligible for student finance if your course is in the UK and one of the following: • a first degree, for example BA, BSc or BEd
• a Foundation Degree
• a Certificate of Higher Education
• a Diploma of Higher Education (DipHE)
• a Higher National Certificate (HNC)
• a Higher National Diploma (HND)
• an Initial Teacher Training course
• an integrated master’s degree
• a pre-registration postgraduate healthcare course


If you’re studying part-time
Your course needs a ‘course intensity’ of 25% or more for you to be eligible for student finance.
You’ll be eligible for a Tuition Fee Loan if your course is in the UK and one of the following:
• a first degree, for example BA, BSc or BEd
• a Foundation Degreea Certificate of Higher Education
• a Diploma of Higher Education (DipHE)
• a Higher National Certificate (HNC)
• a Higher National Diploma (HND)
• an Initial Teacher Training course
• an integrated master’s degree  

You’ll be eligible for a Maintenance Loan if your course is in the UK and one of the following:
• a first degree, for example BA, BSc or BEd
• an Initial Teacher Training course (if it’s degree level or above)
• an integrated master’s degree
• a Foundation Degree in dental hygiene and dental therapy
• a DipHE in dental hygiene and dental therapy or operating department practice 

You’ve studied before
You’ll usually only get student finance if you’re doing your first higher education qualification – even if your previous course was self-funded. You may still be eligible for limited funding in certain circumstances.

If you do not already have a degree
You may get limited funding if:
• you change course 
• you leave your course but decide to start again

If you already have a degree
You may get limited funding if:
• you’re ‘topping up’ a higher education qualification, for example you’ve finished an HNC, HND orFoundation Degree and now want to do an Honours degree
• you hold an Honours degree or higher level of qualification and start a part-time Honours degree in engineering, technology or computer science (or a joint Honours in 2 of these subjects)

  You may also get limited funding if you’re starting a healthcare course on or after 1 August 2017.

Your age
There’s no upper age limit for Tuition Fee Loans or grants.

If you’re 60 or over
You may get limited funding for Maintenance Loans if all of the following apply:
• you’re 60 or over on the first day of the first academic year of your course
• you’re studying full-time
• your course started on or after 1 August 2016

The amount you can apply for depends on your household income.

Your nationality or residency status
You can apply if all of the following apply:
• you’re a UK national or have ‘settled status’ (no restrictions on how long you can stay)
• you normally live in England
• you’ve been living in the UK, the Channel Islands or the Isle of Man for 3 years before starting your course

You may also be eligible if your residency status is one of the following:
• refugee
• humanitarian protection
• EEA migrant worker
• child of a Swiss national
• child of a Turkish worker
• a stateless person (including eligible family members) and you’re a new student starting on or
• after 1 August 2018
• granted leave to remain or a child of someone
• granted leave to remain  

You may also be eligible if you’re not a UK national and are either:
• from an EU country
• under 18 and have lived in the UK for at least 7 years
• 18 or over and have lived in the UK for at least 20 years (or at least half of your life)



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