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Most major banking institutions offer student loans at attractive interest rates. Interest rates may decrease for consecutive years of study. Normally bank loans cover the duration of study and are repaid once you start working or once you have graduated.
Overview. All students and learners who need financial assistance should apply to NSFAS through the NSFAS Online Application system. NB: We encourage applicants to print a copy of their NSFAS online application and keep a record of all supporting documents in case they are required later.
- Your university or college
- Your course
- If you’ve studied before
- Your age
- Your nationality or residency status
- Apply
This should be a university, college or other institution that offers a qualifying course.
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 a level 4 or 5 course with Higher Technical Qualification approval Check on the student finance calculator to find out which loans and grants you could be eligible for.
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 may 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 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 level 4 or 5 course with Higher Technical Qualification approval You may 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 a level 4 or 5 course with Higher Technical Qualification approval You are not eligible for student finance if you’re doing a Degree Apprenticeship.
If you changed course, stopped your studies or are repeating a year
If you stopped your course within the first year, you’ll get funding for the same course or a new course when you go back. You might also get funding if you: suspended your course or withdrew before it finished - and you’re going back to study any course are repeating a year of your course at the same university, college, or institution. If you stopped your studies for a personal reason (for example, you were ill or pregnant) you might get funding for all of your course - you should apply online with supporting evidence. You can calculate the amount you will get by taking the total number of years of the course you are applying for and adding one year. Then take away the number of years you studied for. If you studied for part of a year you should count it as a whole year.
Example
If you are applying for a 3 year course and have studied 5 months of a different course, you’ll get 3 years of funding. If you are applying for a 4 year course and have studied 2 years of a different course, you’ll get 3 years of funding.
If you already have a degree
You may be eligible for limited funding in certain circumstances. You may get limited funding if you’re ‘topping up’ a higher education qualification, for example you’ve finished an HNC, HND or Foundation Degree and now want to do an Honours degree. You may also get limited funding if you hold an Honours degree or a higher level of qualification and start a new course. This could be a part-time Honours degree, a joint Honours degree or an Integrated Master’s degree in one of the following (or 2 if it’s a joint Honours degree): agriculture and related subjects architecture (if it’s a MArch RIBA Part 2 course) biological sciences computer science mathematical sciences medicine and allied subjects physical sciences technologies courses leading to qualification as a veterinary surgeon You could also be eligible if you’re starting a healthcare course on or after 1 August 2017.
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.
When you’re eligible for full support
You can apply for full support if all the following apply: you’re a UK national or Irish citizen 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 in a row before the first day of the first academic year of your course (apart from temporary absences such as holidays) You may be eligible for full support if you’re a UK national who: was living in the EU, Switzerland, Norway, Iceland or Liechtenstein on 31 December 2020, or returned to the UK between 1 January 2018 and 31 December 2020 immediately after living in the EU, Switzerland, Norway, Iceland or Liechtenstein has been living in the UK, the EU, Gibraltar, Switzerland, Norway, Iceland or Liechtenstein for 3 years in a row immediately before the first day of the first academic year of your course If you’re a family member of the UK national, you may also be eligible for full support so long as you also meet these requirements. You may also be eligible if your residency status is one of the following: refugee (including family members) humanitarian protection (including family members) migrant worker or frontier worker from the EU, Switzerland, Norway, Iceland or Liechtenstein (including family members) with settled or pre-settled status child of a Swiss national and you and your parent have settled or pre-settled status under the EU Settlement Scheme child of a Turkish worker who has permission to stay in the UK - you and your Turkish worker parent must have been living in the UK by 31 December 2020 a stateless person (including family members) an unaccompanied child granted ‘Section 67 leave’ under the Dubs Amendment a child who is under the protection of someone granted ‘Section 67 leave’, who is also allowed to stay in the UK for the same period of time as the person responsible for them (known as ‘leave in line’) granted ‘Calais leave’ to remain a child of someone granted ‘Calais leave’ to remain, who is also allowed to stay in the UK for the same period of time as their parent (known as ‘leave in line’) you or your parent have been given settled status (‘indefinite leave to remain’) because you or your parent have been the victim of domestic violence you or your parent have been given settled status (‘indefinite leave to remain’) as a bereaved partner you or your family member have been granted leave under the Afghan Relocations and Assistance Policy (ARAP) or the Afghan Citizens Resettlement Scheme (ACRS) 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 You could also be eligible if you’re not a UK national and are either: 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) You must have been living 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. You must have had a form of leave to enter or remain during this time.
When you’re eligible for tuition fee-only funding
You can apply for tuition fee-only funding if you have one of the following: pre-settled status under the EU Settlement Scheme and you’re an EU national or the family member of an EU national Irish citizenship You must have been living in the UK, the EU, Iceland, Liechtenstein, Norway or Switzerland for 3 years in a row before the first day of the first academic year of your course. You may also be eligible for tuition fee-only funding if either of the following apply to you: you’ve lived in Gibraltar or the other British Overseas Territories you’re a person of Chagossian descent and have British citizenship you’re the family member of a person with settled status and you’ve lived in the UK, Channel Islands or Isle of Man for 3 years in a row before the first day of the first academic year of your course Use the student finance calculator to see what finance you can get.
Apply for student finance or find out how to apply.
Student finance usually consists of a Tuition Fee Loan and a Maintenance Loan to cover – or at least partially help with – your university costs. All full-time undergraduate students are eligible for student finance, provided they meet some basic criteria:
Jan 26, 2024 · Guidance. Student finance: how you're assessed and paid 2024 to 2025. Updated 26 January 2024. Applies to England. 1. What is Student Finance England? Student Finance England (SFE) is a service...
Feb 22, 2024 · Funding sources. Students are encouraged to apply to NSFAS’ new loan scheme for the missing middle if they qualify and can also register for potential discretionary funding. Other options for funding include student loans, bursaries and sponsorships.
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We are a non-profit making government-owned organisation that administers loans and grants to students in colleges and universities in the UK.