Scholar finance: the way you're assessed and paid 2022 to 2023 – GOV.UK

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Up to date 17 January 2022

© Crown copyright 2022
This publication is licensed beneath the phrases of the Open Authorities Licence v3.0 besides the place in any other case acknowledged. To view this licence, go to nationalarchives.gov.uk/doc/open-government-licence/model/3 or write to the Data Coverage Workforce, The Nationwide Archives, Kew, London TW9 4DU, or electronic mail: psi@nationalarchives.gov.uk.
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This publication is on the market at https://www.gov.uk/authorities/publications/student-finance-how-youre-assessed-and-paid/student-finance-how-youre-assessed-and-paid-2022-to-2023
Scholar Finance England (SFE) is a service offered by the Scholar Loans Firm. We offer monetary help on behalf of the UK Authorities to college students from England getting into increased schooling within the UK.
We’re right here to assist and may give you monetary help if you want it most, throughout your research.
To search out out what you may get, learn our interactive fast begin information
And to use for pupil finance, go to www.gov.uk/student-finance
This information explains how an utility for pupil finance for undergraduate full-time, part-time and Preliminary Instructor Coaching (ITT) college students might be assessed and paid. It offers steerage solely and doesn’t cowl each circumstance.
This information applies to you if you happen to usually dwell in England and are beginning or persevering with a better schooling course, anyplace within the UK in 2022 to 2023.
The authorized place is as set out in The Schooling (Scholar Assist) Laws 2011 (as amended).
Relying in your circumstances, your course and the place you research, you might be able to get a variety of monetary assist and help.
You may get grants and bursaries (which you don’t must pay again) and loans (which you do). There’s additionally additional assist when you have kids or grownup dependants, or a incapacity, together with a long-term well being situation, mental-health situation or a particular studying issue, akin to dyslexia.
The quickest and best approach to apply is on-line at www.gov.uk/student-finance
Learn our interactive fast begin information for extra data on:
the Tuition Price Mortgage and Upkeep Mortgage
Disabled College students’ Allowance
pupil finance for college kids with kids or grownup dependants
Your nationality, residency standing and handle historical past could have an effect on if you happen to can apply and the funding you may get. In the event you’re eligible for pupil finance you might be able to get funding to assist with the prices of both:
your tuition charges and your residing prices (full help)
your tuition charges solely
Discover out how a lot Tuition Price Mortgage you could possibly get.
To use for full help, the next should apply to you:
you’ve been residing within the UK, the Channel Islands or the Isle of Man for 3 years earlier than beginning your course
England is your private home, for instance, you reside and work in England and haven’t moved there solely for the needs of research
And also you’re one of many following:
a UK nationwide or Irish citizen
settled beneath the EU Settlement Scheme
granted settled standing for different causes
In the event you’re a UK nationwide who was residing within the EEA, Gibraltar or Switzerland, you might be able to apply for full help.
It’s also possible to apply for full help if you happen to’ve been residing within the UK, the EEA, Gibraltar or Switzerland for the previous 3 years and also you’re:
the kid of a Swiss nationwide and you’ve got settled or pre-settled standing beneath the EU Settlement Scheme
an EEA or Swiss employee, or the member of the family of an EEA or Swiss Employee and you’ve got settled or pre-settled standing beneath the EU Settlement Scheme
a member of the family of a UK Nationwide, each you and your member of the family must have lived within the UK, the EEA, Gibraltar or Switzerland for the previous 3 years
the kid of a Turkish employee
If in case you have one of many following House Workplace statuses, you can also apply for full help:
Humanitarian safety or the member of the family of somebody with this standing
Stateless standing or the member of the family of somebody with this standing
Refugee standing or the member of the family of somebody with this standing
Go away beneath the Afghan Relocations and Help Coverage (ARAP)
Calais depart or the dependent youngster of somebody with Calais depart
Indefinite depart to stay as a bereaved accomplice
Indefinite depart to stay as a sufferer of home violence or abuse (DVILR)
Go away to stay beneath part 67 of the Immigration Act or the dependent youngster of somebody with this standing
In the event you’ve been residing within the UK and Islands for the previous 3 years and are:
beneath 18 on the primary day of your course and have lived within the UK for a minimum of 7 years
18 or over on the primary day of your course and have lived within the UK for a minimum of half your life or a minimum of 20 years
Use the pupil finance calculator to see what finance you may get.
You possibly can apply for tuition price funding if you happen to’ve been residing within the UK, the EEA, Switzerland or the abroad territories for the previous three years and you’ve got:
pre-settled standing beneath the EU Settlement Scheme and are an EU nationwide or a member of the family of an EU nationwide
Irish Citizenship and have been resident within the UK by 31 December 2020, or are a member of the family of an Irish Citizen or Individual of Northern Eire and you’ve got pre-settled standing beneath the EU Settlement Scheme
Resident standing in Gibraltar as an EU nationwide or a member of the family of an EU nationwide
It’s also possible to apply if you’re:
a UK nationwide or a member of the family of a UK nationwide who has resident standing in Gibraltar and has been residing within the UK, Gibraltar, the EEA and Switzerland for the previous three years
an individual with settled standing within the UK and also you’ve been residing within the UK, Islands and the British abroad territories for the previous three years, with a minimum of a part of that point spent within the British abroad territories
an individual with settled standing within the UK and have been residing within the UK, Islands or Eire for the previous three years (with a part of that point spent in Eire)
a member of the family of an individual with settled standing within the UK and you’ve got been residing within the UK and Islands for the previous three years
an Irish Citizen and you’ve got been residing within the EEA and Switzerland earlier than 31 December 2020 and within the UK, Gibraltar, EEA and Switzerland for the previous three years
an EEA or Swiss employee, a member of the family of an EEA or Swiss employee, a toddler of a Swiss nationwide or the kid of a Turkish employee and you don’t qualify for full help as you’ve gotten lived within the abroad territories (apart from Gibraltar) in the course of the three years previous to the beginning of your course
You’ll not be eligible for funding to assist with residing prices.
Relying in your residency standing, if you apply chances are you’ll be requested to supply:
UK passport particulars
EU Settlement Scheme share code
the date your standing was granted and/or expires
the addresses of locations you’ve gotten lived
You’ll solely be capable to get a Upkeep Grant if you happen to began your course earlier than 1 August 2016.
This help isn’t accessible if you happen to maintain an equal or higher-level qualification to the one you plan to review. In the event you maintain a lower-level qualification or have beforehand studied in increased schooling however not achieved a qualification, help could also be accessible, however that help will rely upon the variety of years that you just’ve beforehand studied.
Full help is on the market if you have already got a primary diploma however you’re finding out:
an Preliminary Instructor Coaching (ITT) course, not exceeding 2 years and also you don’t maintain certified trainer standing
a Nursing, Midwifery or Allied Well being Skilled course (excluding dental hygiene and dental remedy) in England that begins on or after 1 August 2017
a dental hygiene or dental remedy course from 1 August 2018
A Upkeep Mortgage is on the market if you happen to don’t have an equal or higher-level qualification or if you’re on a course resulting in an expert qualification, akin to a medical physician, dentist, veterinary surgeon or architect.
You possibly can often solely get pupil finance on your first increased schooling course. In the event you’ve already studied a better schooling course, you won’t get assist for a second course.
You possibly can solely have a most of 16 years of part-time funding. You’ll have to self-fund something over this quantity.
Dependants’ Grants and DSA are nonetheless accessible when you have beforehand studied in increased schooling.
For extra data go to www.gov.uk/student-finance
Typically, to be eligible for monetary help you should be finding out at an eligible college or faculty. The course should result in:
a level (for instance, Basis, or a BSc or BA, with or with out Honours)
a Diploma of Larger Schooling (DipHE) – or a Larger Nationwide Diploma (HND)
a Larger Nationwide Certificates (HNC) – or a Certificates of Larger Schooling – or an Preliminary Instructor Coaching (ITT) course
a course in preparation for an expert examination of a regular increased than that of examination for superior stage GCE, or the examination at increased stage for the Scottish Certificates of Schooling, or the examination for the Nationwide Certificates or Nationwide Diploma of BTEC or SQA, and never being a course for which a primary diploma (or equal qualification) is a traditional entry requirement
a course offering schooling, the usual of which is increased than that of examination for superior stage GCE, or the examination at increased stage for the Scottish Certificates of Schooling, or the examination for the Nationwide Certificates or Nationwide Diploma of BTEC or SQA, however not increased than that of a primary diploma course and never being a course for which a primary diploma (or equal qualification) is a traditional entry requirement
Some programs are prolonged past their regular size to incorporate a basis yr. These programs are designed to arrange college students for research of their chosen topic if their {qualifications} or expertise are acceptable for getting into increased schooling, however aren’t applicable for regular entry to their specific course.
Basis yr college students are eligible for assist if:
the inspiration yr is an integral a part of the course, and the course as a complete is designated by, or beneath, the Schooling (Scholar Assist) Laws 2011 (as amended), and
when first enrolling, college students enrol for the total size of the prolonged course.
The next programs aren’t coated:
all postgraduate programs besides postgraduate programs of Preliminary Instructor Coaching, and postgraduate healthcare programs beginning on or after 1 August 2018
pre-registration nursing and midwifery diploma programs, and any nursing or midwifery course for which you’re eligible to use for a non-income assessed DHSSPS/NHS bursary or award beneath the Well being Providers and Public Well being Act 1968
entry or conversion programs or basis years which put together college students to take a higher-education course
programs of additional schooling
In the event you’re finding out or pondering of finding out a course and also you’re unsure whether or not it’s eligible for pupil finance, ask the college or faculty you’re hoping to go to. They need to have the option that can assist you.
In the event you’re a brand new part-time pupil or a seamless part-time pupil who began a course on or after 1 September 2012, you should be finding out at a fee equal to 25% or extra of an equal full-time course. This implies you need to be capable to full your course in not more than 4 occasions the period of time it could take to finish the equal fulltime course, as much as a most of 16 years. It is possible for you to to use for a Tuition Price Mortgage of as much as £6,935.
Some universities and faculties have a factors or credit system for his or her programs. A course of 30 factors or credit in any tutorial yr is often equal to 25% of a full-time course.
In the event you’re finding out on a full-time distance studying course that started on or after 1 September 2012, you’ll be capable to apply for a Tuition Price Mortgage of as much as £9,250 or as much as £11,100 for a full-time accelerated diploma course beginning on or after 1 August 2019.
In the event you’re finding out a full-time course by distance studying as a result of you’ve gotten a incapacity and your incapacity prevents you from bodily attending a course, chances are you’ll be eligible for the full-time package deal of help and further assist in the type of Disabled College students’ Allowance.
a partner or civil accomplice residing with a member of the UK Armed Forces serving abroad
a toddler, step-child or adoptive youngster residing with a member of the UK Armed Forces serving abroad
From 1 August 2018 college students finding out a distance studying course may even be capable to get a Tuition Price Mortgage in the event that they’re:
a member of the UK Armed Forces who often lives in England however is serving in Wales, Scotland or Northern Eire
a relative residing with a member of the UK Armed Forces serving in Wales, Scotland or Northern Eire
In the event you withdraw, droop or switch to a brand new course earlier than your course begins you possibly can replace your data on-line.
In case your course has began, it is best to contact us and ask your college or faculty to tell us.
It’s vital to recollect the principles about earlier research if you happen to’re enthusiastic about leaving your course or transferring to a brand new course, as this might have an effect on how a lot pupil help you may get if you happen to take one other course sooner or later.
In the event you’re persevering with on a course that began earlier than 1 August 2021 and also you switch greater than as soon as, chances are you’ll be requested to show your persevering with eligibility for pupil finance by offering proof of EU Settlement Scheme standing the place related.
It’s essential if you wish to switch programs or withdraw out of your course that you just discuss to your college or faculty as quickly as attainable. This minimises the danger of you being overpaid your pupil finance. If the charges are increased than these you pay in your present course, you might be able to apply for an extra quantity of Tuition Price Mortgage as much as a most of £9,250. In the event you switch course in the course of the tutorial yr a proportion of your Tuition Price Mortgage will nonetheless be paid to your earlier college/faculty. Please go to Part 5.4 ‘Cost of your tuition charges’ and Part 5.5 ‘Altering your course’ for additional particulars.
In the event you withdraw, switch or droop your research you’ll nonetheless be answerable for any proportion of Tuition Price Mortgage paid to your college or faculty. In the event you droop your research as a result of sickness you possibly can nonetheless get full pupil finance for the primary 60 days of this era. Your entitlement could also be affected if you happen to droop your research for causes apart from sickness, or if the sickness exceeds 60 days.
In the event you withdraw out of your course in the course of the tutorial yr, we’ll reassess your entitlement and ship you a brand new Scholar Finance Entitlement letter.
If a change to your particulars leads to you being overpaid, you’ll have to repay any cash you’re not entitled to. On this case, the reimbursement threshold gained’t apply and also you might need to repay the quantity you’ve been overpaid earlier.
This part tells you ways we use the knowledge you give us to work out how a lot pupil finance you may get.
We’ll have a look at your family revenue which incorporates:
your dad and mom’ revenue if you happen to’re a dependent pupil
your anticipated unearned revenue in the course of the tutorial yr, akin to dividends from investments/shares or revenue from property lettings
your husband, spouse or civil accomplice’s revenue (or your accomplice’s revenue if you happen to’re 25 or over) if you happen to’re an unbiased pupil (see observe under)
Tuition Price Loans and Disabled College students’ Allowance (DSA) don’t rely upon family revenue.
Word: Go to part 4.7 for definitions of an ‘unbiased pupil’.
Among the grants, and a part of the Upkeep Mortgage, rely in your family revenue. When making use of for monetary help that is dependent upon your family revenue, you’ll want to provide us some monetary data.
In the event you’re eligible to use for NHS bursaries that rely in your family revenue, and also you meet the scholar finance eligibility necessities, you possibly can apply for a lowered fee Upkeep Mortgage that doesn’t rely in your family revenue. In the event you’re eligible to use for NHS bursaries that don’t rely upon family revenue you possibly can’t apply for pupil finance from us. You will get extra details about NHS bursaries by visiting www.nhsbsa.nhs.uk/college students or calling 0300 330 1345.
This is applicable to all college students.
We’ll ask you to estimate your whole revenue for the approaching tutorial yr.
You need to embrace particulars of any taxable unearned revenue you obtain from the next sources:
financial institution or constructing society gross curiosity
property, lettings or lease
dividends or investments
trusts or sponsorships
every other fee acquired for attending the course
You need to solely embrace funds from an employer if you happen to’re being launched out of your employment by your employer to attend your course.
Revenue from earnings throughout an instructional yr of your course (together with vacation, night or weekend work) doesn’t should be declared.
pension funds made by your sponsor that qualify for sure specified tax aid
the primary £1,130 for any youngster who is completely, or primarily financially depending on you or your husband, spouse or civil accomplice or your accomplice if you happen to’re 25 or over
This is applicable to all dependent college students.
We’ll assess your dad and mom’ revenue, together with the revenue of a related accomplice of your guardian until:
you’re an unbiased pupil (see part 4.7)
you select to not present particulars of your dad and mom’ revenue since you’re making use of for help that isn’t assessed in your family revenue
In case your dad and mom don’t give these particulars, you’ll not get the total quantity of Upkeep Mortgage accessible. For tutorial yr 2022 to 2023, we’ll often have a look at your dad and mom’ family revenue for the monetary yr 2020 to 2021. But when your dad and mom’ family revenue has dropped by 15% or extra, they will ask us to have a look at their possible revenue for the present monetary yr. Your dad and mom’ revenue might be added to yours to work out the whole family revenue. Utilizing your whole family revenue, we’ll then work out what help you’re entitled to and if there must be any family contribution. To grasp how your family revenue could have an effect on your Upkeep Mortgage, try our devoted web page.
Relying on their revenue, dad and mom could must contribute in direction of your residing prices whilst you’re finding out. In the event you’re a dependent pupil (go to part 4.7 to see whether or not you’re a dependent or an unbiased pupil), the revenue of your dad and mom might be assessed. In case your dad and mom are separated or divorced, we’ll use the revenue of whichever guardian you’re financially depending on, together with the revenue of your guardian’s accomplice, if they’ve one. This implies we is not going to want revenue particulars from the guardian that you just’re not depending on or have much less contact with.
A guardian’s ‘accomplice’ means one of many following:
a partner (husband or spouse)
a civil accomplice
an individual ordinarily residing with the guardian as his or her partner
an individual ordinarily residing with the guardian as his or her civil accomplice
In case your circumstances change in the course of the tutorial yr, this may increasingly have an effect on your evaluation.
The way in which we assess your family revenue is dependent upon whether or not you’re a dependent or unbiased pupil and if you began your course.
(Go to part 4.7 to search out out if you’re classed as unbiased)
In the event you’re a dependent pupil and also you began your full-time course:
between 1 September 2009 and 31 August 2012 – go to part 4.2
between 1 September 2012 and 31 July 2016 – go to part 4.3
on or after 1 August 2016 – go to part 4.4
In the event you’re a dependent pupil and also you began your part-time course:
between 1 September 2012 and 31 July 2018 – go to part 4.5
on or after 1 August 2018 – go to part 4.6
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your guardian’s accomplice, if they’ve one) by taking their gross revenue (earlier than tax and Nationwide Insurance coverage) and taking off allowances for the next:
funds into non-public pension schemes, extra voluntary contributions and employment associated prices
£1,130 for any youngster apart from you who is completely or primarily financially depending on them
£1,130 in case your guardian can be a pupil
As soon as we’ve taken off the related allowances and labored out your dad and mom’ residual revenue, we’ll add this to your revenue and assess a family contribution as follows:
no contribution for whole revenue of as much as £50,778
£1 for each £4.01 of the whole revenue over £50,778, till 72% of the total Upkeep Mortgage stays
For instance, if the family revenue is £55,000, we’ll assess a contribution of £1,052. The primary line of the desk under exhibits the family revenue stage at which you’d obtain the total fee Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your remaining yr.
In the event you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that yr gained’t be handled as a remaining yr.
The desk then exhibits the family revenue ranges at which you’d solely be entitled to the 72% of Upkeep Mortgage that doesn’t rely in your family revenue.
In the event you apply for a Upkeep Grant, you too can apply for a Upkeep Mortgage. Nonetheless, if you happen to’re eligible for a Upkeep Mortgage, the utmost quantity could also be lowered by £0.50 for each £1 of Upkeep Grant you get.
So, if you happen to get the total Upkeep Grant of £3,680 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement might be lowered by £1,840.
The Particular Assist Grant replaces the Upkeep Grant in sure circumstances. You might get the Particular Assist Grant if any of the next apply whilst you’re in your course:
you’re a lone guardian or lone foster guardian who’s accountable for a kid or younger particular person beneath 20 who’s in full-time schooling under increased schooling stage or on an authorised coaching course
you’ve gotten a accomplice who can be a pupil, and one or each of you’re accountable for a kid or younger particular person beneath 20 who’s in full-time schooling under increased schooling stage or on an authorised coaching course
you’ve gotten a incapacity and qualify for the Incapacity Premium or Extreme Incapacity Premium
you’re ready to return to a course having taken agreed day trip from that course as a result of an sickness or caring duty that has now ended
you’re deaf and qualify for Disabled College students’ Allowance
you’ve been handled as incapable of labor for a steady interval of a minimum of 28 weeks
you’ve gotten a incapacity and qualify for income-related Employment and Assist Allowance
you’re aged 60 or over on the primary day of the primary tutorial yr of your course
you’re entitled to Private Independence Cost (PIP)
you’re entitled to Incapacity Dwelling Allowance (DLA)
you’re entitled to Armed Forces Independence Cost (AFIP)
If you may get a Particular Assist Grant, you gained’t be capable to get a Upkeep Grant as nicely. Nonetheless, the Particular Assist Grant gained’t have an effect on the quantity of Upkeep Mortgage you may get.
Completely different guidelines apply when you have a brother, sister or guardian who can be getting pupil finance. We’ll work out your family contribution earlier than it’s shared between you and the opposite college students in your loved ones. In regular circumstances, it’ll be shared out equally. Nonetheless, in sure circumstances it might be shared otherwise to ensure that the quantity of contribution displays whose revenue has been included within the revenue evaluation.
In case your circumstances change throughout your course, (for instance, if considered one of your dad and mom loses their job), we’ll assess the family contribution once more.
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your guardian’s accomplice, if they’ve one) by taking their gross revenue (earlier than tax and Nationwide Insurance coverage) and taking off allowances for the next:
funds into non-public pension schemes, extra voluntary contributions and employment associated prices
£1,130 for any youngster apart from you who is completely or primarily financially depending on them
£1,130 if the guardian can be a pupil
As soon as we’ve taken off the related quantities and labored out your dad and mom’ residual revenue, we’ll add this to your revenue and assess a family contribution as follows:
no contribution for whole revenue of as much as £42,875
£1 for each £7.93 of the whole revenue over £42,875, till 65% of the total Upkeep Mortgage stays
For instance, if the family revenue is £55,000, we’ll assess a contribution of £1,529.
The primary line of the desk exhibits the family revenue stage at which you’d obtain the full-rate Upkeep Mortgage or the utmost fee Upkeep Mortgage in your remaining yr.
In the event you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that yr gained’t be handled as a remaining yr. It then exhibits the family revenue ranges at which you’d solely be entitled to the 65% of Upkeep Mortgage that doesn’t rely in your family revenue.
*Identical proportion as remaining yr
You might be entitled to get a non-repayable Upkeep Grant of as much as £4,009 a yr. In case your family revenue:
is £25,000 or much less, chances are you’ll be entitled to the total Upkeep Grant of £4,009
is between £25,000 and £42,737, the quantity of grant you may get will lower by £1 for each £4.48 of family revenue above £25,000
is £42,737, you might be able to get the minimal Upkeep Grant of £50
is greater than £42,737, you gained’t be capable to get any Upkeep Grant
In the event you apply for a Upkeep Grant, you too can apply for a Upkeep Mortgage. Nonetheless, if you happen to’re eligible for a Upkeep Mortgage, the utmost quantity could also be lowered by £0.50 for each £1 of Upkeep Grant you get.
So, if you happen to get the total Upkeep Grant of £4,009 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement might be lowered by £2,004.
Particular Assist Grant replaces the Upkeep Grant in sure circumstances. You might get the Particular Assist Grant if any of the next apply whilst you’re in your course:
you’re a lone guardian or lone foster guardian who’s accountable for a kid or younger particular person beneath 20 who’s in full-time schooling under increased schooling stage or on an authorised coaching course
you’ve gotten a accomplice who can be a pupil, and one or each of you’re accountable for a kid or younger particular person beneath 20 who’s in full-time schooling under increased schooling stage or on an authorised coaching course
you’ve gotten a incapacity and qualify for the Incapacity Premium or Extreme Incapacity Premium
you’re ready to return to a course having taken agreed day trip from that course as a result of an sickness or caring duty that has now ended
you’re deaf and qualify for Disabled College students’ Allowance
you’ve been handled as incapable of labor for a steady interval of a minimum of 28 weeks
you’ve gotten a incapacity and qualify for income-related Employment and Assist Allowance
you’re aged 60 or over on the primary day of the primary tutorial yr of your course
you’re entitled to Private Independence Cost (PIP)
you’re entitled to Incapacity Dwelling Allowance (DLA)
you’re entitled to Armed Forces Independence Cost (AFIP)
If you may get a Particular Assist Grant, you gained’t be capable to get a Upkeep Grant as nicely. Nonetheless, the Particular Assist Grant gained’t have an effect on the quantity of Upkeep Mortgage you may get.
Completely different guidelines apply when you have a brother, sister or guardian who can be getting pupil finance. We’ll work out your family contribution earlier than it’s shared between you and the opposite college students in your loved ones. In regular circumstances, it’ll be shared out equally. Nonetheless, in sure circumstances it might be shared otherwise to ensure that the quantity of contribution displays whose revenue has been included within the revenue evaluation.
In case your circumstances change throughout your course, (for instance, if considered one of your dad and mom loses their job), we’ll assess the family contribution once more.
In the event you’re beginning a course on or after 1 August 2016 you’ll be capable to apply for an elevated Upkeep Mortgage.
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your guardian’s accomplice, if they’ve one) by taking their gross revenue (earlier than tax and Nationwide Insurance coverage) and taking off allowances for the next:
funds into non-public pension schemes, extra voluntary contributions and employment-related prices
£1,130 for any youngster apart from you who is completely or primarily financially depending on them
£1,130 in case your guardian can be a pupil
As soon as we’ve taken off the related quantities and labored out your dad and mom’ residual revenue, we add this to your revenue and do an revenue evaluation as follows:
no contribution for whole revenue of as much as £25,000
£1 for each £7.27 of the whole revenue over £25,000, till 44% of the total Upkeep Mortgage stays.
no contribution for whole revenue of as much as £25,000
£1 for each £7.08 of the whole revenue over £25,000, till 49.8% of the total Upkeep Mortgage stays.
no contribution for whole revenue of as much as £25,000
£1 for each £7.20 of the whole revenue over £25,000, till 46.6% of the total Upkeep Mortgage stays.
The revenue evaluation is the quantity that might be deducted from the utmost accessible Upkeep Mortgage to work out how a lot you may get.
The primary line of the desk under exhibits the family revenue stage at which you’d get the full-rate Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your remaining yr. In the event you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that yr gained’t be handled as a remaining yr. It then exhibits the family revenue ranges at which you’d solely be entitled to the fundamental fee of Upkeep Mortgage that doesn’t rely in your family revenue.
*Closing yr proportion
*Closing yr proportion
As soon as we’ve labored out your dad and mom’ residual revenue and brought off any allowances (that have been listed beneath the “Assessing your revenue” part) we’ll add this quantity to your revenue and do an revenue evaluation as follows:
No contribution for whole revenue of as much as £25,000
£1 for each £4.551 (or £4.513 in a remaining yr) of the whole revenue over £25,000, as much as £42,875
£1 for each £7.27 of the whole revenue over £42,875, till 37.3% (35.9% for remaining yr) of the total Upkeep Mortgage stays
no contribution for whole revenue of as much as £25,000
£1 for each £4.867 (or £4.785 in a remaining yr) of the whole revenue over £25,000, as much as £42,875.
£1 for each £7.08 of the whole revenue over £42,875, till 45.7% (44.4% for remaining yr) of the total Upkeep Mortgage stays.
no contribution for whole revenue of as much as £25,000
£1 for each £4.654 (or £4.608 in a remaining yr) of the whole revenue over £25,000, as much as £42,875.
£1 for each £7.20 of the whole revenue over £42,875, till 40.9% (39.8% for remaining yr) of the total Upkeep Mortgage stays.
The primary line of the desk above exhibits the family revenue stage at which you’d get the full-rate Upkeep Mortgage or the utmost fee Upkeep Mortgage in your remaining yr. In the event you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that yr gained’t be handled as a remaining yr. It then exhibits the family revenue ranges at which you’d solely be entitled to the fundamental fee of Upkeep Mortgage that doesn’t rely in your family revenue.
Upkeep Mortgage entitlement
In the event you’re 60 or over on the primary day of the primary tutorial yr of your course you possibly can apply for a Mortgage for Dwelling Prices of as much as £4,106, relying in your family revenue.
Your mortgage might be lowered by £1 for each £4.63 of family revenue over £25,000, as much as £43,780. In case your family revenue is greater than this you gained’t get any Mortgage for Dwelling Prices
In the event you’re a part-time pupil beginning a course on or after 1 September 2012 it is possible for you to to use for a Tuition Price Mortgage of as much as £6,935.
The quantity you may get doesn’t rely in your family revenue.
In the event you’re a part-time pupil beginning a course on or after 1 August 2018, you’ll be capable to apply for a Tuition Price Mortgage of as much as £6,935. How a lot you may get doesn’t rely in your family revenue.
It’s also possible to get a part-time Upkeep Mortgage. The quantity of mortgage you get will rely in your family revenue. In the event you’re finding out a part-time distance studying course, you’ll solely be capable to get a Upkeep Mortgage if you happen to’re finding out lengthy distance as a result of you’ve gotten a incapacity.
In the event you’re 60 or over on the primary day of the primary tutorial yr of your course, you possibly can’t apply for a Upkeep Mortgage, however you may get a Tuition Price Mortgage and Disabled College students’ Allowance if you’re eligible.
Data for all college students
In the event you’re not financially supported by your dad and mom, you then is likely to be classed as an unbiased pupil. This implies Scholar Finance England gained’t take your dad and mom’ revenue into consideration when figuring out the family revenue contribution.
To be classed as an unbiased pupil you’ll meet one of many following situations:
You’ve got the care of an individual beneath the age of 18 on the primary day of the educational yr.
You’re 25 or over on the primary day of the educational yr.
You’ve been married or in a civil partnership earlier than the beginning of the educational yr, even if you happen to’re now divorced or separated.
You don’t have any residing dad and mom.
You’ve supported your self for a minimum of 3 years earlier than the beginning of your course. This contains any time you:
have been in paid, full-time employment
acquired Revenue Assist, Jobseeker’s Allowance or different state advantages
acquired any pension, allowance or different profit due to a incapacity or by any purpose of confinement, illness or sickness
acquired coaching beneath any scheme for the unemployed or different funding by any state authority or company
Your dad and mom can’t be traced or it’s not sensible or attainable to contact them.
Your dad and mom dwell exterior the European Union and an revenue evaluation would put them in jeopardy, or it’s not moderately sensible for them to ship funds to the UK if a contribution have been assessed (this may increasingly apply to you if you happen to’re a refugee).
You’ve not communicated together with your dad and mom for one yr earlier than the start of the educational yr, or you possibly can exhibit you’re completely estranged out of your dad and mom.
Topic to sure exceptions, you have been taken care of by an area authority all through any 3-month interval ending on or after the date on which you turned 16, and earlier than the primary day of the primary tutorial yr of your course.
If you’re, or have been, married or in a civil partnership we’ll have to see your marriage certificates or civil partnership schedule.
In the event you’re making use of as an unbiased pupil since you’ve supported your self for 3 years or extra, you need to present proof to indicate an inexpensive stage of revenue to dwell off. In the event you’ve been working or claiming advantages you need to present written affirmation of this.
You may ship photocopies of your P60 or a letter out of your employer (signed, dated and on headed paper) confirming the dates you labored there and your earnings. For intervals the place you’ve claimed advantages, it is best to ask your native Jobcentre Plus workplace for a letter confirming the dates you claimed advantages and the kind of advantages you bought.
If in case you have care of a kid and also you’re making use of for unbiased standing, it is best to ship the kid’s unique delivery certificates and proof that you just’re caring for a kid, akin to, proof that you just get Youngster Profit, Youngster Tax Credit score or the kid component of Common Credit score.
In the event you don’t ship us the right proof, it would delay your utility and also you won’t get all the scholar finance you’re entitled to.
If you wish to declare unbiased standing since you’re estranged out of your dad and mom, you need to present affirmation from an expert particular person, exterior your loved ones, who is aware of about your circumstances. Examples of proof you could possibly ship us are:
a letter out of your social employee (when you have one)
if you happen to claimed Revenue Assist if you have been beneath 18, a letter out of your native Jobcentre Plus workplace exhibiting that you just bought advantages due to your state of affairs
in case your relationship together with your dad and mom broke down whilst you have been in school or faculty, a letter from an recommendation employee or private tutor or trainer confirming your circumstances
a letter out of your physician if you happen to visited them due to issues referring to the breakdown of your relationship together with your dad and mom.
You’ll have to show that the dearth of contact together with your dad and mom is everlasting. We’d usually count on you to have had no contact together with your dad and mom for a minimum of 12 months, though this may increasingly not apply in distinctive circumstances.
You possibly can’t declare unbiased standing simply since you don’t get on together with your dad and mom or since you don’t dwell with them.
You possibly can’t declare unbiased standing just because your dad and mom don’t wish to give particulars of their revenue or refuse to supply monetary help to you.
In the event you’re an unbiased pupil who’s married, in a civil partnership or are over 25 and reside together with your accomplice, Scholar Finance England will take into consideration the revenue of your husband, spouse, civil accomplice or accomplice.
Your accomplice’s residual revenue will usually be labored out in the identical means as your dad and mom’ residual revenue. Nonetheless, totally different guidelines apply if you happen to separate out of your accomplice. The family revenue threshold can be the identical.
We’ll work out your accomplice’s residual revenue by taking the gross revenue (earlier than tax and Nationwide Insurance coverage) and taking off allowance for the next:
funds into non-public pension schemes, extra voluntary contributions and employment associated prices
£1,130 for any youngster who is completely or primarily financially depending on them
£1,130 in case your accomplice can be a pupil
As soon as we’ve taken off the related quantities and labored out your accomplice’s residual revenue, we’ll add this to your revenue and assess a family contribution as follows:
no contribution for whole revenue of as much as £25,000
£1 for each £7.27 of the whole revenue over £25,000, till 44% of the total Upkeep Mortgage stays.
no contribution for whole revenue of as much as £25,000
£1 for each £7.08 of the whole revenue over £25,000, till 49.8% of the total Upkeep Mortgage stays.
no contribution for whole revenue of as much as £25,000
£1 for each £7.20 of the whole revenue over £25,000, till 46.6% of the total Upkeep Mortgage stays.
We’ll ship you a Scholar Finance Entitlement letter telling you ways a lot pupil finance you may get.
The letter will inform you when your instalments might be paid and particulars of any grants or different funds chances are you’ll be due. You’ll often be paid in 3 instalments, usually initially of every time period.
Bear in mind to register at your college or faculty – we are able to’t pay you till you do!
It is advisable to register at your college or faculty earlier than we are able to make your first fee. You’ll often do that within the first week of your course and you might have to take alongside your Scholar Finance Entitlement letter, so be sure you preserve this protected. When you’ve registered, your college or faculty will tell us and we’ll make your fee. We’ll pay any Upkeep Grant or Mortgage into your checking account.
You don’t have to do something apart from register. It will possibly take as much as 5 working days on your cash to succeed in your account, relying in your financial institution.
In the event you began your course on or after 1 September 2012, we’ll pay your Tuition Price Mortgage on to your college or faculty.
In the event you began your course on or after 1 August 2018, we’ll pay your Tuition Price Mortgage to your college and any Upkeep Mortgage funds on to you.
We’ll additionally ship you a Scholar Finance Entitlement letter
There are a number of issues you are able to do to just be sure you obtain your fee on time, no matter whether or not you’re a full-time or part-time pupil:
Open a UK financial institution or constructing society account in your title and ship us your account particulars earlier than the beginning of time period.
If you register at your college or faculty, be sure you take any paperwork that your faculty wants, particularly your Scholar Finance Entitlement letter.
Just remember to at all times seek advice from your self in the identical means on the entire paperwork you’re requested to fill in. For instance, if you happen to apply for a college place by UCAS as ‘John Anthony Smith’, please seek advice from your self in the identical means in your pupil finance utility. It’s greatest to provide your full title because it seems in your delivery certificates or passport.
This is applicable to all college students.
In the event you apply for a Tuition Price Mortgage, it’ll be paid on to your college or faculty in 3 instalments throughout the educational yr.
You’ll be answerable for any proportion of your Tuition Price Mortgage paid to your college or faculty from the primary day of time period if you happen to’re a full-time pupil.
This would be the case no matter any withdrawals, transfers or suspensions of research.
In the event you’re a part-time pupil, you’ll be answerable for any proportion of your Tuition Price Mortgage paid to your college or faculty when you’ve been in your course for two weeks of the educational yr.
This is applicable to all college students.
In the event you switch to a brand new college or faculty earlier than the beginning of time period 1 your full Tuition Price Mortgage might be paid to your new college or faculty.
In the event you switch to a brand new college or faculty throughout time period 1, your new college will solely get 75% of your Tuition Price Mortgage. The remaining 25% might be paid to the college or faculty you transferred from.
If the schooling price at your new college or faculty is increased we’ll solely pay the college 75% of the brand new tuition price.
Transferring to a brand new college or faculty throughout time period 2 will imply your earlier college or faculty can solely get 50% of your Tuition Price Mortgage. The opposite 50% might be paid to your new college or faculty.
In the event you switch throughout time period 3, we gained’t pay any Tuition Price Mortgage to your new college or faculty. Your earlier college or faculty will get the total Tuition Price Mortgage.
In case your circumstances change, for instance you permit your course early you need to tell us.
A change to your particulars may find yourself with you being overpaid. You’ll have to pay again any cash you’re not entitled to. On this case, the reimbursement threshold gained’t apply and also you might need to repay the quantity you’ve been overpaid earlier.
Learn our interactive fast begin information at www.sfengland.slc.co.uk/quickstartguide
For extra data on reimbursement go to www.gov.uk/repaying-your-student-loan
Go to our YouTube channel to observe our collection of animations that break down the scholar finance course of into simple steps.
When it’s time to use, go to www.gov.uk/student-finance
It’s also possible to telephone us on 0300 100 0607 (textphone: 0300 100 0622) between 8am and 8pm Monday to Friday, and between 9am and 4pm on Saturday.
Our specialists might be on-line from Monday to Friday 9am – 5pm and Saturday 9am – 4pm to reply your questions. You possibly can:
tweet us
message us on Fb
You will get extra details about pupil finance and associated subjects from the NUS web site at www.nus.org.uk
For details about different sources of funding for undergraduates, go to www.postgraduatesearch.com
NASMA is a charity working to assist college students by offering recommendation, data and coaching. You will get extra data by visiting www.nasma.org.uk
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