Student finance

 Student finance

when does student loan come in   - 1. 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, eg if you’re on a low income, are disabled or have children.

You can use the repayment calculator to find out what your repayments might be.

The rules are different if your course started before September 2012.
How to apply or support an application

Find out how to apply for student finance.

If you’re the parent or partner of a student, you’ll normally need to support a student finance application.

If you’re under 25 and have no contact with your parents or support yourself, you might be able to apply as an independent student.

There’s a different process if you’re a student from Scotland, Wales, or Northern Ireland. Contact the education authority if you live in the Channel Islands (Jersey, Guernsey) or Isle of Man.

2. New full-time students

Courses starting in the 2016 to 2017 academic year

If your course begins in the 2016 to 2017 academic year, you can apply for a Tuition Fee Loan and Maintenance Loan.
Tuition Fee Loan

The loan is paid directly to your university or college. You have to pay it back.
Full-time student     Tuition Fee Loan
Full-time     Up to £9,000
Full-time at a private university or college     Up to £6,000
Maintenance Loan for living costs

You may have to give details of your household income. EU students can’t apply for Maintenance Loans.

The loan is paid directly into your bank account at the start of term. You have to pay the loan back.
Full-time student     Loan available for the 2016 to 2017 academic year
Living at home     Up to £6,904
Living away from home, outside London     Up to £8,200
Living away from home, in London     Up to £10,702
You spend a year of a UK course studying abroad     Up to £9,391

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.
Further information for the 2016 to 2017 academic year

Download ‘2016 to 2017 guide - new full-time students’ (PDF, 415KB)

Download ‘2016 to 2017 guide - terms and conditions’ (PDF, 158KB)

Download ‘2016 to 2017 guide - how you’re assessed and paid’ (PDF, 349KB)
Courses that started in the 2015 to 2016 academic year

If your course began in the 2015 to 2016 academic year, you can apply for a Maintenance Grant as well as the Tuition Fee Loan and Maintenance Loan.
Tuition Fee Loan

The loan is paid directly to your university or college. You have to pay it back.
Full-time student     Tuition Fee Loan
Full-time     Up to £9,000
Full-time at a private university or college     Up to £6,000
Maintenance Loan for living costs

You may have to give details of your household income. EU students can’t apply for Maintenance Loans.

The loan is paid directly into your bank account at the start of term. You have to pay the loan back.
Full-time student     Loan available for the 2015 to 2016 academic year
Living at home     Up to £4,565
Living away from home, outside London     Up to £5,740
Living away from home, in London     Up to £8,009
You spend a year of a UK course studying abroad     Up to £6,820

Use the student finance calculator to estimate your Maintenance Loan.
Maintenance Grant for living costs

If your course started in the 2015 to 2016 academic year, you may be eligible for a grant to help with 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 term. You don’t have to pay it back, but any funds you get will reduce 
the Maintenance Loan you can get.
Household income     Grant for the 2015 to 2016 academic year
£25,000 or less     £3,387
£30,000     £2,441
£35,000     £1,494
£40,000     £547
£42,620     £50
Over £42,620     No grant

Use the student finance calculator to estimate your Maintenance Grant.
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 won’t 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.
Further information for the 2015 to 2016 academic year

Download ‘2015 to 2016 guide - new full-time students’ (PDF, 315KB)

Download ‘2015 to 2016 guide - terms and conditions’ (PDF, 176KB)

Download ‘2015 to 2016 guide - how you’re assessed and paid’ (PDF, 349KB)

3. Continuing full-time students

If your course started before August 2016 you can apply for loans and grants.
Tuition Fee Loan
The loan is paid directly to your university or college. You have to pay it back.
Full-time student     Tuition Fee Loan
Full-time     Up to £9,000
Full-time at a private university or college     Up to £6,000
Maintenance Loan for living costs

Students aged 60 and over can’t apply. 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     Loan for courses from September 2015     Loan for courses from August 2016
Living at home     Up to £4,565     Up to £4,675
Living away from home, outside London     Up to £5,740     Up to £5,878
Living away from home, in London     Up to £8,009     Up to £8,202
You spend a year of a UK course studying abroad     Up to £6,820     Up to £6,984
Maintenance Grant 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 don’t have to pay it back, but any funds you get will reduce 
the Maintenance Loan you can get.
Full-time student – household income     Grant for courses from September 2015     Grant for courses from September 2016
£25,000 or less     £3,387     £3,387
£30,000     £2,441     £2,441
£35,000     £1,494     £1,494
£40,000     £547     £547
£42,620     £50     £50
Over £42,620     No grant     No grant
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 won’t 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.
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.
Apply

Apply for student finance or find out how to apply.

Further information

Download ‘2016 to 2017 guide - continuing full-time students’ (PDF, 356KB)

Download ‘2016 to 2017 guide - terms and conditions’ (PDF, 158KB)

Download ‘2016 to 2017 guide - how you’re assessed and paid’ (PDF, 349KB)

4. Part-time students

You may be able to get a Tuition Fee 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. Check course intensity with your university or college.
Tuition Fee Loan

The loan is paid directly to your university or college. You have to pay it back.
Part-time student     Tuition Fee Loan
Part-time     Up to £6,750
Part-time at a private university or college     Up to £4,500

Use the student finance calculator to estimate your Tuition Fee Loan.
Apply

Apply for student finance or find out how to apply.
Further information

Download ‘2015 to 2016 guide - loans for part-time study’ (PDF, 237KB)

Download ‘2015 to 2016 guide - grants for part-time study’ (PDF, 215KB)

Download ‘2015 to 2016 guide - terms and conditions’ (PDF, 173KB)

Download ‘2015 to 2016 guide - how you’re assessed and paid’ (PDF, 338KB)

5. EU students

You may be able to get a Tuition Fee Loan if you’re from an EU country.

Use the student finance calculator to see what finance you can get.
Tuition Fee Loan

The loan is paid directly to your university or college. You have to pay it back.
Full or part-time student     Tuition Fee Loan
Full-time     Up to £9,000
Full-time at a private university or college     Up to £6,000
Part-time     Up to £6,750
Part-time at a private university or college     Up to £4,500

Use the student finance calculator to estimate your Tuition Fee Loan.
Apply

Apply for student finance or find out how to apply.
Further information

Download ‘Guide for new and continuing full-time EU students’ (PDF, 192KB)

Download ‘Guide for new and continuing part-time EU students’ (PDF, 163KB)

6. Extra help

Check on the student finance calculator to see what extra help you might be able to get.
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 (eg dyslexia) you can apply for:

    Disabled Students’ Allowances
    extra help if you’re experiencing financial hardship

You may also qualify for disability related benefits.
Medical, social work and teacher training students

You can apply for:

    NHS bursaries - medical, dentistry or healthcare students
    help with costs of travel to UK clinical placements - medical, dentistry or healthcare students
    social work bursaries - social work students
    extra help for teacher training students

Students studying abroad

You might get a grant to cover some travel expenses if you normally live in England but study away from home.
Help from your university or college

Many universities and colleges offer extra money directly to students.
Funding from charitable trusts

Use the Family Action grant search to check if you can get extra help from a charitable trust.
Further information

Download ‘2016 to 2017 guide - Disabled Students’ Allowances’ (PDF, 208KB)

Download ‘2016 to 2017 guide - Dependants’ Grants’ (PDF, 238KB)

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 university or college

This should be a university, college or other institution that offers a qualifying course.
Your course

This must be in the UK and one of the following:

    a first degree, eg 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)
    a Postgraduate Certificate of Education (PGCE)
    Initial Teacher Training

Check with your university or college that your course is recognised.
Part-time students

Part-time students need to study their courses at a rate of at least 25% of an equivalent full-time course in each academic year.

This is known as ‘course intensity’. You can check course intensity with your university or college.
You’ve studied before

You’ll usually get student finance only if you’re doing your first higher education qualification - even if your previous course was self-funded.

However, you may still get limited funding if, for example:

    you change course
    you leave your course but decide to start again
    you’re ‘topping up’ a higher education qualification, eg you’ve finished an HNC, HND or Foundation 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)

Your age

There’s no upper age limit for Tuition Fee Loans or grants.
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 for 3 years before starting your course

Non-UK nationals must have settled status on the first day of the first academic year of the course - which could be 1 September, 1 January, 1 April or 1 July.

You may also be eligible if your residency status is one of the following:

    EU national, or family member of an EU national
    refugee
    humanitarian protection
    EEA migrant worker
    child of a Swiss national
    child of a Turkish worker



8. Apply

Find out how to apply for student finance.

If you’re a continuing student or you’ve already created an account login to your account.
Parents or partners of students

Support a student finance application if you’re the parent or partner of a student.

Student finance

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open studen loan: https://www.gov.uk/student-finance/apply