Get help with the costs of studying and living during your undergraduate degree
Students from the UK
You should start thinking about applying for financial help as soon as you apply for a place on a degree. Don’t wait until your place is confirmed, simply quote the degree you’re planning to study. If this information changes, just let us know.
Tuition fee loan
This covers your full tuition fee, so you don't need to pay any undergraduate fees.
Student loan for living costs
This helps with everyday living expenses while you studying. All eligible applicants are entitled to a maximum loan amount depending on household income.
You will start making loan repayments the April after you finish your degree, if you earn more than £21,000. They are calculated as a percentage of your income over £21,000 and usually made automatically through the UK tax system.
From April 2018, the threshold at which you begin paying back your loans will be raised to £25,000. You’ll then start making loan repayments from the Apil after you finish your degree.
Additional living cost loans
These are available to students claiming certain benefits, such as Disabled Students’ Allowances and Childcare Grants.
How to apply
How you apply for funding depends on where you are living in the UK.
For further information visit:
The funding process
Once you’ve applied, there are a number of stages your application goes through before you receive the loan.
- Your application is assessed by the Student Finance Authority.
- Your support is confirmed within six to eight weeks, and prepared for payment.
- Course registration and payment of financial help. When you enrol, you’ll need your Payment Schedule Letter so we can inform the Student Finance Authority of your attendance. You should then receive the first instalment of your loan within three-five working days, directly into your bank or building society.
- Your loan will be paid in three instalments, at the beginning of each term.
Advice to Students from England
Taking a second undergraduate degree in a STEM subject
Tuition fee loans for Science, Technology, Engineering and Mathematics (STEM) courses will now be available to students in England who’ve already completed an undergraduate degree. This is designed to help those already in the workforce or with non-STEM degrees to upskill.
For all STEM subjects, tuition loans will be extended to students wishing to do a second part-time degree.
Getting started online
Here is specific advice for students applying for financial support who have a home address in England.
Step 1 - Register online with Student Finance England
New students should register with Student Finance England
Registering provides you with unique security details so you can access your student finance account online or when you call.
Step 2 - Log in
Once registered, you can use your customer reference number and passwords to access your online account.
Step 3 - Create and submit an application
You can open a My Account page and apply, by clicking ‘Apply for student support’ or view and change your account details by clicking ‘maintain your account’.
Step 4 - Providing evidence
You will need to provide evidence to support your application, including a document or details to verify your identity, such as a passport number.
Step 5 - Maintaining your account
From ‘My account’ you can:
- update contact and bank details
- view information and correspondence about your student finance application
- ask questions about student finance.
Students from the European Union
If you’re an EU Student applying for an undergraduate place in the 2018/19, you will continue to have access to student loans for tuition fees, if eligible, for the duration of your degree.
If you are an EU national who has resided in the UK for over five years, you will also have access to undergraduate maintenance support.
International students from outside the European Union
Unfortunately, you are not entitled to apply for funding from the UK government towards your tuition or living costs.
Your own government may, however, provide a scholarship scheme to help you study overseas, or there may be banks in your country that offer international student loans.
If you are applying from the USA you may be eligible for Direct Stafford and PLUS Federal loans, and veterans’ benefits if you are a veteran of the US Military. If you are applying from Canada you may be eligible for loans from your government.
Your local British Council office should be able to provide information on scholarship and loan schemes available in your country, as well as general scholarship schemes that you may be eligible for.