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Mar 1, 2021 · If you’re starting or continuing an undergraduate course, our guide will help you understand what you’re entitled to and how this is calculated. Published 1 March 2021. Last updated 26 January ...
- 1. What is Student Finance England?
- 2. What’s this guide about?
- 3. Do I qualify?
- 4. Assessing how much student finance you can get
- 5. How do I get paid?
- 6. Information and contacts
Student Finance England (SFE) is a service provided by the Student Loans Company. We provide financial support on behalf of the UK Government to students from England entering higher education in the UK.
We’re here to help and can offer you financial support during your studies.
This guide explains how an application for student finance for undergraduate full-time, part-time and Initial Teacher Training (ITT) students will be assessed and paid. It provides guidance only and doesn’t cover every circumstance.
This guide applies to you if you normally live in England and are starting or continuing a higher education course, anywhere in the UK in 2024 to 2025.
The legal position is as set out in The Education (Student Support) Regulations 2011 (as amended).
Depending on your circumstances, your course and where you study, you may be able to get a range of financial help and support.
You could get grants and bursaries (which you don’t have to pay back) and loans (which you do). There’s also extra help if you have children or adult dependants, or a disability, including a long-term health condition, mental-health condition or a specific learning difficulty, such as dyslexia.
Most students won’t have to pay any tuition fees up front.
3.1 Your nationality or residency status
Your nationality, residency status and address history may affect if you can get funding and how much you can get. If you’re eligible for student finance you may be able to get funding to help with the costs of either: your tuition fees and your living costs (full support) your tuition fees only Find out how much Tuition Fee Loan you could get. Who can get tuition fee and living costs (full support) To apply for full support, the following must apply to you: you’ve been living in the UK, the Channel Islands or the Isle of Man for 3 years before starting your course England is your home, for example, you live and work in England and have not moved there solely for the purposes of study And you’re one of the following: a UK national or Irish citizen settled under the EU Settlement Scheme granted settled status for other reasons If you’re a UK national who was living in the EEA, Gibraltar or Switzerland, you may be able to apply for full support. You can also apply for full support if you’ve been living in the UK, the EEA, Gibraltar or Switzerland for the past 3 years and you’re: the child of a Swiss national and you have settled or pre-settled status under the EU Settlement Scheme an EEA or Swiss worker, or the family member of an EEA or Swiss Worker and you have settled or pre-settled status under the EU Settlement Scheme a family member of a UK National, both you and your family member have to have lived in the UK, the EEA, Gibraltar or Switzerland for the past 3 years. You also must have been living in the EEA or Switzerland on 31/12/2020 or in the UK having returned from the EEA or Switzerland after 31/12/2017 the child of a Turkish worker If you have one of the following Home Office statuses, you also can apply for full support: Humanitarian protection or the family member of someone with this status Stateless status or the family member of someone with this status Refugee status or the family member of someone with this status You or your family member have been granted leave under the Afghan Relocations and Assistance Policy (ARAP) or the Afghan Citizens Resettlement Scheme (ACRS) Calais leave or leave in line as the dependent child of someone with Calais leave You or your parent have been granted indefinite leave to remain as a bereaved partner You or your parent have been granted indefinite leave to enter or remain as a victim of domestic violence or abuse (DVILR) Leave to remain under section 67 of the Immigration Act or leave in line as the dependent child of someone with this status You or your family member have been granted leave to enter or remain in the UK under the Ukraine Family Scheme, the Homes for Ukraine Sponsorship Scheme or the Ukraine Extension Scheme If you’ve been living in the UK and Islands for the past 3 years and are: under 18 on the first day of your course and have lived in the UK for at least 7 years 18 or over on the first day of your course and have lived in the UK for at least half your life or at least 20 years You must also have: been ordinarily resident in the UK, the Channel Islands or the Isle of Man for 3 years in a row before the first day of the first academic year of your course held a form of leave to enter or remain issued by the Home Office throughout that 3-year period. Use the student finance calculator to see what finance you can get. Who can get tuition fees only You can apply for tuition fee funding if you’ve been living in the UK, the EEA, Switzerland or the overseas territories for the past 3 years and you: have pre-settled status under the EU Settlement Scheme or have temporary protection under the Withdrawal Agreements which may be evidence through a certificate of application, and are an EU national or a family member of an EU national have Irish Citizenship and were resident in the UK by 31 December 2020, or are a family member of an Irish Citizen or Person of Northern Ireland and you have pre-settled status under the EU Settlement Scheme have resident status in Gibraltar as an EU or UK national or a family member of an EU or UK national are a person with settled status in the UK and you’ve been living in the UK, Islands and the British overseas territories for the past three years, with at least part of that time spent in the British overseas territories are a person of Chagossian descent and have British citizenship are a person with settled status in the UK and have been living in the UK, Islands or Ireland for the past three years with at least part of that time spent in Ireland are a family member of a person with settled status in the UK and you have been living in the UK and Islands for the past three years are an Irish Citizen and you have been living in the EEA and Switzerland before 31 December 2020 and in the UK, Gibraltar, the EEA and Switzerland for the past three years are an EEA or Swiss worker, a family member of an EEA or Swiss worker, a child of a Swiss national or the child of a Turkish worker and you do not qualify for full support as you have lived in the overseas territories (other than Gibraltar) at some stage in the three years prior to the start of your course You will not be eligible for funding to help with living costs. What you’ll be asked for when you apply for student finance Depending on your residency status, when you apply you may be asked to provide: UK passport details EU Settlement Scheme share code the date your status was granted and/or expires the addresses of places you have lived
3.3 Previous study
Tuition Fee Loans and Maintenance Grants You’ll only be able to get a Maintenance Grant if you started your course before 1 August 2016. This support isn’t available if you hold an equivalent or higher-level qualification to the one you intend to study. If you hold a lower-level qualification or have previously studied in higher education but not achieved a qualification, support may be available, but that support will depend on the number of years that you’ve previously studied. Full support is available if you already have a first degree but you’re studying: an Initial Teacher Training (ITT) course, not exceeding 2 years and you don’t hold qualified teacher status a Nursing, Midwifery or Allied Health Professional course (excluding dental hygiene and dental therapy) in England that starts on or after 1 August 2017 a dental hygiene or dental therapy course from 1 August 2018 Maintenance Loans A Maintenance Loan is available if you don’t have an equivalent or higher-level qualification or if you are on a course leading to a professional qualification, such as a medical doctor, dentist, veterinary surgeon or architect. Part-time students You can usually only get student finance for your first higher education course. If you’ve already studied a higher education course, you might not get help for a second course. You can only have a maximum of 16 years of part-time funding. You will have to self-fund anything over this amount. Additional grants Dependants’ Grants and DSA are still available if you have previously studied in higher education. For more information visit www.gov.uk/student-finance
3.4 Your course
To be eligible for financial support, you must be studying at an eligible university or college. The course must lead to: a degree (for example, Foundation, or a BSc or BA, with or without Honours) a Diploma of Higher Education (DipHE) - or a Higher National Diploma (HND) a Higher National Certificate (HNC) - or a Certificate of Higher Education - or an Initial Teacher Training (ITT) course a postgraduate qualification in pre-registration healthcare a course in preparation for a professional examination of a standard higher than that of examination for advanced level GCE, or the examination at higher level for the Scottish Certificate of Education, or the examination for the National Certificate or National Diploma of BTEC or SQA, and not being a course for which a first degree (or equivalent qualification) is a normal entry requirement a course providing education, the standard of which is higher than that of examination for advanced level GCE, or the examination at higher level for the Scottish Certificate of Education, or the examination for the National Certificate or National Diploma of BTEC or SQA, but not higher than that of a first degree course and not being a course for which a first degree (or equivalent qualification) is a normal entry requirement a Level 4 or 5 qualification with Higher Technical Qualification (HTQ) approval e.g., a Level 4 or 5 Certificate, Diploma or NVQ. To find out if your course is HTQ approved and qualifies for Higher Education undergraduate student finance speak to your university or college. If you’re studying a Level 4 or 5 qualification that is not HTQ approved or does not qualify for Higher Education undergraduate student finance, you could still be eligible for an Advanced Learner Loan. Some courses are extended beyond their normal length to include a foundation year. These courses are designed to prepare students for study in their chosen subject if their qualifications or experience are acceptable for entering higher education, but aren’t appropriate for normal entry to their particular course. Foundation year students are eligible for help if the following apply: the foundation year is an integral part of the course, and the course as a whole is designated by, or under, the Education (Student Support) Regulations 2011 (as amended), and when first enrolling, you enrol for the full length of the extended course. The following courses do not qualify for Higher Education undergraduate student finance: most postgraduate courses except postgraduate courses of Initial Teacher Training, and postgraduate healthcare courses starting on or after 1 August 2018 pre-registration nursing and midwifery diploma courses, and any nursing or midwifery course for which you’re eligible to apply for a non-income assessed DHSSPS/NHS bursary or award under the Health Services and Public Health Act 1968 access or conversion courses or foundation years which prepare students to take a higher-education course most courses of further education If you’re studying or thinking of studying a course and you’re not sure whether it’s eligible for student finance, ask the university or college you’re hoping to go to. They should be able to help you. Part-time students (including distance learning) If you’re a new part-time student or a continuing part-time student who started a course on or after 1 September 2012, you must be studying at a rate equal to 25% or more of an equivalent full-time course. This means you must be able to complete your course in no more than 4 times the amount of time it would take to complete the equivalent full-time course, up to a maximum of 16 years. You will be able to apply for a Tuition Fee Loan of up to £6,935. Some universities and colleges have a points or credits system for their courses. A course of 30 points or credits in any academic year is usually equivalent to 25% of a full-time course. Support for students studying full-time distance learning courses If you’re studying on a full-time distance learning course that started on or after 1 September 2012, you’ll be able to apply for a Tuition Fee Loan of up to £9,250 or up to £11,100 for a full-time accelerated degree course starting on or after 1 August 2019. If you’re studying a full-time course by distance learning because you have a disability and your disability prevents you from physically attending a course, you may be eligible for the full-time package of support and extra help in the form of Disabled Students’ Allowance. You may also be eligible if you’re: a spouse or civil partner living with a member of the UK Armed Forces serving overseas a child, step-child or adoptive child living with a member of the UK Armed Forces serving overseas From 1 August 2018, if you’re studying a distance learning course you’ll also be able to get a Tuition Fee Loan if you’re: a member of the UK Armed Forces who usually lives in England but is serving in Wales, Scotland or Northern Ireland a relative living with a member of the UK Armed Forces serving in Wales, Scotland or Northern Ireland
This section tells you how we use the information you give us to work out how much student finance you can get.
We’ll look at your household income which includes:
•your parents’ income if you’re a dependent student
•your expected unearned income during the academic year, such as dividends from investments/shares or income from property lettings
•your husband, wife or civil partner’s income (or your partner’s income if you’re 25 or over) if you’re an independent student
Tuition Fee Loans and Disabled Students’ Allowance don’t depend on household income.
5.1 Full-time students
Student Finance Entitlement letter We’ll send you a Student Finance Entitlement letter telling you how much student finance you can get. The letter will tell you when your instalments will be paid and details of any grants or other payments you may be due. You’ll usually be paid in 3 instalments, normally at the start of each term. Payment of your Maintenance Loan and Grant Remember to register at your university or college – we can’t pay you until you do! You need to register at your university or college before we can make your first payment. You’ll usually do this in the first week of your course and you may have to take along your Student Finance Entitlement letter, so make sure you keep this safe. Once you’ve registered, your university or college will let us know and we’ll make your payment. We’ll pay any Maintenance Grant or Loan into your bank account. You don’t need to do anything other than register. It can take up to 5 working days for your money to reach your account, depending on your bank.
5.2 Part-time students
If you started your course on or after 1 September 2012, we’ll pay your Tuition Fee Loan directly to your university or college. If you started your course on or after 1 August 2018, we’ll pay your Tuition Fee Loan to your university and any Maintenance Loan payments directly to you. We’ll also send you a Student Finance Entitlement letter
5.3 Tips for getting your payment on time
There are several things you can do to make sure that you receive your payment on time, regardless of whether you are a full-time or part-time student: Open a UK bank or building society account in your name and give us your account details before the start of term. When you register at your university or college, make sure you take any documents that your college needs, in particular your Student Finance Entitlement letter. Make sure that you always refer to yourself in the same way on all of the documents you’re asked to fill in. For example, if you apply for a university place through UCAS as ‘John Anthony Smith’, please refer to yourself in the same way in your student finance application. It’s best to give your full name as it appears on your birth certificate or passport.
6.1 Need help?
For more information on student finance, visit studentfinance.campaign.gov.uk For more information on repayment visit www.gov.uk/repaying-your-student-loan Visit our YouTube channel to watch our series of animations that break down the student finance process into easy steps.
6.2 Contacts
Student Finance England When it’s time to apply, visit www.gov.uk/student-finance You can also phone us on 0300 100 0607 (textphone: 0300 100 0622) between 8am and 8pm Monday to Friday, and between 9am and 4pm on Saturday. Our experts will be online from Monday to Friday 9am - 5pm and Saturday 9am - 4pm to answer your questions. You can: tweet us message us on Facebook National Union of Students (NUS) You can get more information about student finance and related topics from the NUS website at www.nus.org.uk Postgraduate Search For information about other sources of funding for undergraduates, go to www.postgraduatesearch.com National Association of Student Money Advisers (NASMA) NASMA is a charity working to help students by providing advice, information and training. You can get more information by visiting www.nasma.org.uk Back to top
Apr 6, 2024 · This guide is for students who take out a student loan for an undergraduate, postgraduate, Higher Education (HE) Short Course Loan or Initial Teacher Training course. It explains what you’re ...
1. The student loan price tag can be £60,000, but that’s not what you pay. Students don't pay universities or other higher education institutions directly. Tuition fees, typically up to £9,250 a year at the time of writing, are paid for you by the Student Loans Company.
Most full-time students can get a tuition fee loan to cover the full cost of tuition fees and a maintenance loan to cover the cost of living expenses. You don’t normally have to pay the loan back until you’ve left college or university and your income has reached a certain amount.
Feb 25, 2022 · For student loans, the amount of interest you pay is related to two things. Number one is the Retail Price Index (RPI) - which is a measure of inflation and is currently 9%. Getty Images....
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Apr 8, 2024 · Student Finance is the official government funding you apply for in order to pay for university tuition fees or living costs while studying. The cash is bankrolled and regulated by the government, and then given out by an official Student Finance organisation. There's one for each country in the UK.
Students at all education levels will be considered for the $10k Loan Forgiveness Grant. Explore exclusive scholarships in Ohio to forgive student debt.
