Maintenance loans

How much?
Everyone is entitled to a maintenance loan. The maximum amount available for September 2018 entry for students who live in England is £8,700 per year. Some of this amount will be dependent on your household income. Household income is defined as your family's gross annual income of the household you live in, minus some pension contributions and allowances for dependent children.

Students who reside in a devolved nation will be eligible for a maintenance loan, however amounts may differ to those listed below.

Students living away from home
Household income Maintenance loan
£25,000 or less £8,700
£30,000 £8,076
£35,000 £7,452
£40,000 £6,828
£45,000 £6,204
£50,000 £5,579
£55,000 £4,955
£60,000 £4,331
£62,215 or above £4,054
Students living at home
Household income Maintenance loan
£25,000 or less £7,324
£30,000 £6,707
£35,000 £6,090
£40,000 £5,473
£45,000 £4,855
£50,000 £4,238
£55,000 £3,621
£58,215 or above £3,224

Who's eligible?
All full-time students from the UK provided you haven’t completed an undergraduate degree before. The figure above is based on what an English student, studying outside of London, might receive. Awards for students from Scotland, Wales and Northern Ireland will be slightly different.

Who am I borrowing from?
The government.

How is it paid?
By three instalments, straight into your bank account. The first instalment is paid 3–5 days after you register with us.

Do I have to reapply each year?
Yes.


Paying it back

Coffee shop

Do I have to pay off my tuition and maintenance loans separately?
No, they're added together so you make one monthly payment.

How do I pay it back?
It's taken off your salary automatically so you don’t have to do anything.

When do I pay it?
You don't pay anything back until you are earning over £25,000 a year.

Can I pay my loan off early?
Yes. There's no extra charge for paying off all or part of your loan early.

Library

When do I apply?
Applications are open now. You can apply for your tuition fee loan at the same time. You don’t have to wait for an offer of a place.

How do I apply?
Fill in the form online when you apply for your tuition fee loan. It's all part of the same process: