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 underneath the phrases of the Open Authorities Licence v3.0 besides the place in any other case said. To view this licence, go to nationalarchives.gov.uk/doc/open-government-licence/model/3 or write to the Info Coverage Group, The Nationwide Archives, Kew, London TW9 4DU, or e mail: psi@nationalarchives.gov.uk.
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This publication is offered 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 assist on behalf of the UK Authorities to college students from England getting into increased training within the UK.
We’re right here to assist and may give you monetary assist if you want it most, throughout your research.
To search out out what you will 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 Trainer Coaching (ITT) college students will probably be assessed and paid. It gives steering solely and doesn’t cowl each circumstance.
This information applies to you when you usually stay in England and are beginning or persevering with a better training 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 could possibly get a variety of economic assist and assist.
You would get grants and bursaries (which you don’t must pay again) and loans (which you do). There’s additionally additional assist you probably have kids or grownup dependants, or a incapacity, together with a long-term well being situation, mental-health situation or a selected studying issue, reminiscent of dyslexia.
The quickest and best option to apply is on-line at www.gov.uk/student-finance
Learn our interactive fast begin information for extra info on:
the Tuition Payment Mortgage and Upkeep Mortgage
Disabled College students’ Allowance
pupil finance for college students with kids or grownup dependants
Your nationality, residency standing and handle historical past might have an effect on when you can apply and the funding you will get. When you’re eligible for pupil finance you could possibly get funding to assist with the prices of both:
your tuition charges and your residing prices (full assist)
your tuition charges solely
Discover out how a lot Tuition Payment Mortgage you possibly can get.
To use for full assist, 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 house, 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 underneath the EU Settlement Scheme
granted settled standing for different causes
When you’re a UK nationwide who was residing within the EEA, Gibraltar or Switzerland, you could possibly apply for full assist.
You may also apply for full assist when you’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 underneath 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 underneath 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
In case you have one of many following Dwelling Workplace statuses, you can also apply for full assist:
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 underneath the Afghan Relocations and Help Coverage (ARAP)
Calais go away or the dependent youngster of somebody with Calais go away
Indefinite go away to stay as a bereaved associate
Indefinite go away to stay as a sufferer of home violence or abuse (DVILR)
Go away to stay underneath part 67 of the Immigration Act or the dependent youngster of somebody with this standing
When you’ve been residing within the UK and Islands for the previous 3 years and are:
underneath 18 on the primary day of your course and have lived within the UK for at the least 7 years
18 or over on the primary day of your course and have lived within the UK for at the least half your life or at the least 20 years
Use the pupil finance calculator to see what finance you will get.
You’ll be able to apply for tuition payment funding when you’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 underneath 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 Particular person of Northern Eire and you’ve got pre-settled standing underneath the EU Settlement Scheme
Resident standing in Gibraltar as an EU nationwide or a member of the family of an EU nationwide
You may also 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 at the least 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 baby of a Swiss nationwide or the kid of a Turkish employee and you don’t qualify for full assist as you might have lived within the abroad territories (aside from Gibraltar) throughout 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 you could be requested to offer:
UK passport particulars
EU Settlement Scheme share code
the date your standing was granted and/or expires
the addresses of locations you might have lived
You’ll solely be capable of get a Upkeep Grant when you began your course earlier than 1 August 2016.
This assist isn’t out there when you maintain an equal or higher-level qualification to the one you propose to review. When you maintain a lower-level qualification or have beforehand studied in increased training however not achieved a qualification, assist could also be out there, however that assist will depend upon the variety of years that you simply’ve beforehand studied.
Full assist is offered if you have already got a primary diploma however you’re learning:
an Preliminary Trainer Coaching (ITT) course, not exceeding 2 years and also you don’t maintain certified instructor 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 offered when you don’t have an equal or higher-level qualification or if you’re on a course resulting in knowledgeable qualification, reminiscent of a medical physician, dentist, veterinary surgeon or architect.
You’ll be able to often solely get pupil finance in your first increased training course. When you’ve already studied a better training course, you won’t get assist for a second course.
You’ll be able to 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 out there you probably have beforehand studied in increased training.
For extra info go to www.gov.uk/student-finance
Typically, to be eligible for monetary assist you should be learning 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 Greater Schooling (DipHE) – or a Greater Nationwide Diploma (HND)
a Greater Nationwide Certificates (HNC) – or a Certificates of Greater Schooling – or an Preliminary Trainer Coaching (ITT) course
a course in preparation for knowledgeable examination of an ordinary increased than that of examination for superior degree GCE, or the examination at increased degree 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 training, the usual of which is increased than that of examination for superior degree GCE, or the examination at increased degree 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 12 months. 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 training, however aren’t applicable for regular entry to their explicit course.
Basis 12 months college students are eligible for assist if:
the inspiration 12 months is an integral a part of the course, and the course as an entire is designated by, or underneath, the Schooling (Scholar Assist) Laws 2011 (as amended), and
when first enrolling, college students enrol for the complete size of the prolonged course.
The next programs aren’t coated:
all postgraduate programs besides postgraduate programs of Preliminary Trainer 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 underneath the Well being Companies 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 training
When you’re learning or considering of learning 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 give you the option that will help you.
When you’re a brand new part-time pupil or a unbroken part-time pupil who began a course on or after 1 September 2012, you should be learning at a price equal to 25% or extra of an equal full-time course. This implies you have to be capable of full your course in not more than 4 occasions the period of time it will 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 Payment 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 educational 12 months is often equal to 25% of a full-time course.
When you’re learning on a full-time distance studying course that started on or after 1 September 2012, you’ll be capable of apply for a Tuition Payment 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.
When you’re learning a full-time course by distance studying as a result of you might have a incapacity and your incapacity prevents you from bodily attending a course, you could be eligible for the full-time bundle of assist and further assist in the type of Disabled College students’ Allowance.
a partner or civil associate residing with a member of the UK Armed Forces serving abroad
a baby, step-child or adoptive youngster residing with a member of the UK Armed Forces serving abroad
From 1 August 2018 college students learning a distance studying course may even be capable of get a Tuition Payment 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
When you withdraw, droop or switch to a brand new course earlier than your course begins you may replace your info on-line.
In case your course has began, it’s best to contact us and ask your college or faculty to tell us.
It’s essential to recollect the foundations about earlier research when you’re serious about leaving your course or transferring to a brand new course, as this might have an effect on how a lot pupil assist you will get when you take one other course sooner or later.
When you’re persevering with on a course that began earlier than 1 August 2021 and also you switch greater than as soon as, you could 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 simply discuss to your college or faculty as quickly as potential. 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 could possibly apply for a further quantity of Tuition Payment Mortgage as much as a most of £9,250. When you switch course throughout the educational 12 months a proportion of your Tuition Payment Mortgage will nonetheless be paid to your earlier college/faculty. Please go to Part 5.4 ‘Fee of your tuition charges’ and Part 5.5 ‘Altering your course’ for additional particulars.
When you withdraw, switch or droop your research you’ll nonetheless be accountable for any proportion of Tuition Payment Mortgage paid to your college or faculty. When you droop your research on account of sickness you may nonetheless get full pupil finance for the primary 60 days of this era. Your entitlement could also be affected when you droop your research for causes aside from sickness, or if the sickness exceeds 60 days.
When you withdraw out of your course throughout the educational 12 months, 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 must repay any cash you’re not entitled to. On this case, the reimbursement threshold received’t apply and also you may need to repay the quantity you’ve been overpaid earlier.
This part tells you the way we use the knowledge you give us to work out how a lot pupil finance you will get.
We’ll take a look at your family earnings which incorporates:
your mother and father’ earnings when you’re a dependent pupil
your anticipated unearned earnings throughout the educational 12 months, reminiscent of dividends from investments/shares or earnings from property lettings
your husband, spouse or civil associate’s earnings (or your associate’s earnings when you’re 25 or over) when you’re an impartial pupil (see notice under)
Tuition Payment Loans and Disabled College students’ Allowance (DSA) don’t depend upon family earnings.
Observe: Go to part 4.7 for definitions of an ‘impartial pupil’.
A number of the grants, and a part of the Upkeep Mortgage, rely in your family earnings. When making use of for monetary assist that will depend on your family earnings, you’ll want to provide us some monetary info.
When you’re eligible to use for NHS bursaries that rely in your family earnings, and also you meet the scholar finance eligibility necessities, you may apply for a decreased price Upkeep Mortgage that doesn’t rely in your family earnings. When you’re eligible to use for NHS bursaries that don’t depend upon family earnings you may’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 earnings for the approaching educational 12 months.
You must embrace particulars of any taxable unearned earnings you obtain from the next sources:
financial institution or constructing society gross curiosity
property, lettings or lease
dividends or investments
trusts or sponsorships
some other fee obtained for attending the course
You must solely embrace funds from an employer when you’re being launched out of your employment by your employer to attend your course.
Revenue from earnings throughout an educational 12 months 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 reduction
the primary £1,130 for any youngster who is completely, or primarily financially depending on you or your husband, spouse or civil associate or your associate when you’re 25 or over
This is applicable to all dependent college students.
We’ll assess your mother and father’ earnings, together with the earnings of a related associate of your dad or mum until:
you’re an impartial pupil (see part 4.7)
you select to not present particulars of your mother and father’ earnings since you’re making use of for assist that isn’t assessed in your family earnings
In case your mother and father don’t give these particulars, you’ll not get the complete quantity of Upkeep Mortgage out there. For tutorial 12 months 2022 to 2023, we’ll often take a look at your mother and father’ family earnings for the monetary 12 months 2020 to 2021. But when your mother and father’ family earnings has dropped by 15% or extra, they’ll ask us to take a look at their probably earnings for the present monetary 12 months. Your mother and father’ earnings will probably be added to yours to work out the whole family earnings. Utilizing your whole family earnings, we’ll then work out what assist you’re entitled to and if there needs to be any family contribution. To grasp how your family earnings might have an effect on your Upkeep Mortgage, try our devoted web page.
Relying on their earnings, mother and father might must contribute in the direction of your residing prices whilst you’re learning. When you’re a dependent pupil (go to part 4.7 to see whether or not you’re a dependent or an impartial pupil), the earnings of your mother and father will probably be assessed. In case your mother and father are separated or divorced, we’ll use the earnings of whichever dad or mum you’re financially depending on, together with the earnings of your dad or mum’s associate, if they’ve one. This implies we is not going to want earnings particulars from the dad or mum that you simply’re not depending on or have much less contact with.
A dad or mum’s ‘associate’ means one of many following:
a partner (husband or spouse)
a civil associate
an individual ordinarily residing with the dad or mum as his or her partner
an individual ordinarily residing with the dad or mum as his or her civil associate
In case your circumstances change throughout the educational 12 months, this will have an effect on your evaluation.
The way in which we assess your family earnings will depend on whether or not you’re a dependent or impartial pupil and if you began your course.
(Go to part 4.7 to seek out out if you’re classed as impartial)
When 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
When 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 mother and father’ residual earnings (which incorporates the earnings of your dad or mum’s associate, if they’ve one) by taking their gross earnings (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 aside from you who is completely or primarily financially depending on them
£1,130 in case your dad or mum can be a pupil
As soon as we’ve taken off the related allowances and labored out your mother and father’ residual earnings, we’ll add this to your earnings and assess a family contribution as follows:
no contribution for whole earnings of as much as £50,778
£1 for each £4.01 of the whole earnings over £50,778, till 72% of the complete Upkeep Mortgage stays
For instance, if the family earnings is £55,000, we’ll assess a contribution of £1,052. The primary line of the desk under exhibits the family earnings degree at which you’d obtain the complete price Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your remaining 12 months.
When you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months received’t be handled as a remaining 12 months.
The desk then exhibits the family earnings ranges at which you’d solely be entitled to the 72% of Upkeep Mortgage that doesn’t rely in your family earnings.
When you apply for a Upkeep Grant, you may also apply for a Upkeep Mortgage. Nevertheless, when you’re eligible for a Upkeep Mortgage, the utmost quantity could also be decreased by £0.50 for each £1 of Upkeep Grant you get.
So, when you get the complete Upkeep Grant of £3,680 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement will probably be decreased by £1,840.
The Particular Assist Grant replaces the Upkeep Grant in sure circumstances. Chances are you’ll get the Particular Assist Grant if any of the next apply whilst you’re in your course:
you’re a lone dad or mum or lone foster dad or mum who’s accountable for a kid or younger individual underneath 20 who’s in full-time training under increased training degree or on an authorized coaching course
you might have a associate who can be a pupil, and one or each of you’re accountable for a kid or younger individual underneath 20 who’s in full-time training under increased training degree or on an authorized coaching course
you might have a incapacity and qualify for the Incapacity Premium or Extreme Incapacity Premium
you’re ready to return to a course having taken agreed trip from that course on account 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 at the least 28 weeks
you might have a incapacity and qualify for income-related Employment and Assist Allowance
you’re aged 60 or over on the primary day of the primary educational 12 months of your course
you’re entitled to Private Independence Fee (PIP)
you’re entitled to Incapacity Dwelling Allowance (DLA)
you’re entitled to Armed Forces Independence Fee (AFIP)
If you will get a Particular Assist Grant, you received’t be capable of get a Upkeep Grant as effectively. Nevertheless, the Particular Assist Grant received’t have an effect on the quantity of Upkeep Mortgage you will get.
Completely different guidelines apply you probably have a brother, sister or dad or mum 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. Nevertheless, in sure circumstances it might be shared in a different way to be sure that the quantity of contribution displays whose earnings has been included within the earnings evaluation.
In case your circumstances change throughout your course, (for instance, if considered one of your mother and father loses their job), we’ll assess the family contribution once more.
We’ll work out your mother and father’ residual earnings (which incorporates the earnings of your dad or mum’s associate, if they’ve one) by taking their gross earnings (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 aside from you who is completely or primarily financially depending on them
£1,130 if the dad or mum can be a pupil
As soon as we’ve taken off the related quantities and labored out your mother and father’ residual earnings, we’ll add this to your earnings and assess a family contribution as follows:
no contribution for whole earnings of as much as £42,875
£1 for each £7.93 of the whole earnings over £42,875, till 65% of the complete Upkeep Mortgage stays
For instance, if the family earnings is £55,000, we’ll assess a contribution of £1,529.
The primary line of the desk exhibits the family earnings degree at which you’d obtain the full-rate Upkeep Mortgage or the utmost price Upkeep Mortgage in your remaining 12 months.
When you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months received’t be handled as a remaining 12 months. It then exhibits the family earnings ranges at which you’d solely be entitled to the 65% of Upkeep Mortgage that doesn’t rely in your family earnings.
*Similar proportion as remaining 12 months
Chances are you’ll be entitled to get a non-repayable Upkeep Grant of as much as £4,009 a 12 months. In case your family earnings:
is £25,000 or much less, you could be entitled to the complete Upkeep Grant of £4,009
is between £25,000 and £42,737, the quantity of grant you will get will lower by £1 for each £4.48 of family earnings above £25,000
is £42,737, you could possibly get the minimal Upkeep Grant of £50
is greater than £42,737, you received’t be capable of get any Upkeep Grant
When you apply for a Upkeep Grant, you may also apply for a Upkeep Mortgage. Nevertheless, when you’re eligible for a Upkeep Mortgage, the utmost quantity could also be decreased by £0.50 for each £1 of Upkeep Grant you get.
So, when you get the complete Upkeep Grant of £4,009 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement will probably be decreased by £2,004.
Particular Assist Grant replaces the Upkeep Grant in sure circumstances. Chances are you’ll get the Particular Assist Grant if any of the next apply whilst you’re in your course:
you’re a lone dad or mum or lone foster dad or mum who’s accountable for a kid or younger individual underneath 20 who’s in full-time training under increased training degree or on an authorized coaching course
you might have a associate who can be a pupil, and one or each of you’re accountable for a kid or younger individual underneath 20 who’s in full-time training under increased training degree or on an authorized coaching course
you might have a incapacity and qualify for the Incapacity Premium or Extreme Incapacity Premium
you’re ready to return to a course having taken agreed trip from that course on account 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 at the least 28 weeks
you might have a incapacity and qualify for income-related Employment and Assist Allowance
you’re aged 60 or over on the primary day of the primary educational 12 months of your course
you’re entitled to Private Independence Fee (PIP)
you’re entitled to Incapacity Dwelling Allowance (DLA)
you’re entitled to Armed Forces Independence Fee (AFIP)
If you will get a Particular Assist Grant, you received’t be capable of get a Upkeep Grant as effectively. Nevertheless, the Particular Assist Grant received’t have an effect on the quantity of Upkeep Mortgage you will get.
Completely different guidelines apply you probably have a brother, sister or dad or mum 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. Nevertheless, in sure circumstances it might be shared in a different way to be sure that the quantity of contribution displays whose earnings has been included within the earnings evaluation.
In case your circumstances change throughout your course, (for instance, if considered one of your mother and father loses their job), we’ll assess the family contribution once more.
When you’re beginning a course on or after 1 August 2016 you’ll be capable of apply for an elevated Upkeep Mortgage.
We’ll work out your mother and father’ residual earnings (which incorporates the earnings of your dad or mum’s associate, if they’ve one) by taking their gross earnings (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 aside from you who is completely or primarily financially depending on them
£1,130 in case your dad or mum can be a pupil
As soon as we’ve taken off the related quantities and labored out your mother and father’ residual earnings, we add this to your earnings and do an earnings evaluation as follows:
no contribution for whole earnings of as much as £25,000
£1 for each £7.27 of the whole earnings over £25,000, till 44% of the complete Upkeep Mortgage stays.
no contribution for whole earnings of as much as £25,000
£1 for each £7.08 of the whole earnings over £25,000, till 49.8% of the complete Upkeep Mortgage stays.
no contribution for whole earnings of as much as £25,000
£1 for each £7.20 of the whole earnings over £25,000, till 46.6% of the complete Upkeep Mortgage stays.
The earnings evaluation is the quantity that will probably be deducted from the utmost out there Upkeep Mortgage to work out how a lot you will get.
The primary line of the desk under exhibits the family earnings degree at which you’d get the full-rate Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your remaining 12 months. When you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months received’t be handled as a remaining 12 months. It then exhibits the family earnings ranges at which you’d solely be entitled to the fundamental price of Upkeep Mortgage that doesn’t rely in your family earnings.
*Remaining 12 months proportion
*Remaining 12 months proportion
As soon as we’ve labored out your mother and father’ residual earnings and brought off any allowances (that have been listed underneath the “Assessing your earnings” part) we’ll add this quantity to your earnings and do an earnings evaluation as follows:
No contribution for whole earnings of as much as £25,000
£1 for each £4.551 (or £4.513 in a remaining 12 months) of the whole earnings over £25,000, as much as £42,875
£1 for each £7.27 of the whole earnings over £42,875, till 37.3% (35.9% for remaining 12 months) of the complete Upkeep Mortgage stays
no contribution for whole earnings of as much as £25,000
£1 for each £4.867 (or £4.785 in a remaining 12 months) of the whole earnings over £25,000, as much as £42,875.
£1 for each £7.08 of the whole earnings over £42,875, till 45.7% (44.4% for remaining 12 months) of the complete Upkeep Mortgage stays.
no contribution for whole earnings of as much as £25,000
£1 for each £4.654 (or £4.608 in a remaining 12 months) of the whole earnings over £25,000, as much as £42,875.
£1 for each £7.20 of the whole earnings over £42,875, till 40.9% (39.8% for remaining 12 months) of the complete Upkeep Mortgage stays.
The primary line of the desk above exhibits the family earnings degree at which you’d get the full-rate Upkeep Mortgage or the utmost price Upkeep Mortgage in your remaining 12 months. When you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months received’t be handled as a remaining 12 months. It then exhibits the family earnings ranges at which you’d solely be entitled to the fundamental price of Upkeep Mortgage that doesn’t rely in your family earnings.
Upkeep Mortgage entitlement
When you’re 60 or over on the primary day of the primary educational 12 months of your course you may apply for a Mortgage for Dwelling Prices of as much as £4,106, relying in your family earnings.
Your mortgage will probably be decreased by £1 for each £4.63 of family earnings over £25,000, as much as £43,780. In case your family earnings is greater than this you received’t get any Mortgage for Dwelling Prices
When 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 Payment Mortgage of as much as £6,935.
The quantity you will get doesn’t rely in your family earnings.
When you’re a part-time pupil beginning a course on or after 1 August 2018, you’ll be capable of apply for a Tuition Payment Mortgage of as much as £6,935. How a lot you will get doesn’t rely in your family earnings.
You may also get a part-time Upkeep Mortgage. The quantity of mortgage you get will rely in your family earnings. When you’re learning a part-time distance studying course, you’ll solely be capable of get a Upkeep Mortgage when you’re learning lengthy distance as a result of you might have a incapacity.
When you’re 60 or over on the primary day of the primary educational 12 months of your course, you may’t apply for a Upkeep Mortgage, however you will get a Tuition Payment Mortgage and Disabled College students’ Allowance if you’re eligible.
Info for all college students
When you’re not financially supported by your mother and father, you then is perhaps classed as an impartial pupil. This implies Scholar Finance England received’t take your mother and father’ earnings under consideration when figuring out the family earnings contribution.
To be classed as an impartial pupil you’ll meet one of many following situations:
You might have the care of an individual underneath the age of 18 on the primary day of the tutorial 12 months.
You’re 25 or over on the primary day of the tutorial 12 months.
You’ve been married or in a civil partnership earlier than the beginning of the tutorial 12 months, even when you’re now divorced or separated.
You don’t have any residing mother and father.
You’ve supported your self for at the least 3 years earlier than the beginning of your course. This contains any time you:
have been in paid, full-time employment
obtained Revenue Assist, Jobseeker’s Allowance or different state advantages
obtained any pension, allowance or different profit due to a incapacity or by any cause of confinement, illness or sickness
obtained coaching underneath any scheme for the unemployed or different funding by any state authority or company
Your mother and father can’t be traced or it’s not sensible or potential to contact them.
Your mother and father stay outdoors the European Union and an earnings evaluation would put them in jeopardy, or it’s not fairly sensible for them to ship funds to the UK if a contribution have been assessed (this will apply to you when you’re a refugee).
You’ve not communicated along with your mother and father for one 12 months earlier than the start of the tutorial 12 months, or you may show you’re completely estranged out of your mother and father.
Topic to sure exceptions, you have been sorted 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 educational 12 months of your course.
If you’re, or have been, married or in a civil partnership we’ll must see your marriage certificates or civil partnership schedule.
When you’re making use of as an impartial pupil since you’ve supported your self for 3 years or extra, you have to present proof to point out an inexpensive degree of earnings to stay off. When you’ve been working or claiming advantages you have to present written affirmation of this.
You would 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’s best to ask your native Jobcentre Plus workplace for a letter confirming the dates you claimed advantages and the kind of advantages you bought.
In case you have care of a kid and also you’re making use of for impartial standing, it’s best to ship the kid’s unique beginning certificates and proof that you simply’re caring for a kid, reminiscent of, proof that you simply get Little one Profit, Little one Tax Credit score or the kid component of Common Credit score.
When you don’t ship us the proper 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 impartial standing since you’re estranged out of your mother and father, you have to present affirmation from knowledgeable individual, outdoors your loved ones, who is aware of about your circumstances. Examples of proof you possibly can ship us are:
a letter out of your social employee (you probably have one)
when you claimed Revenue Assist if you have been underneath 18, a letter out of your native Jobcentre Plus workplace exhibiting that you simply bought advantages due to your scenario
in case your relationship along with your mother and father broke down whilst you have been at college or faculty, a letter from an recommendation employee or private tutor or instructor confirming your circumstances
a letter out of your physician when you visited them due to issues regarding the breakdown of your relationship along with your mother and father.
You’ll must show that the dearth of contact along with your mother and father is everlasting. We’d usually anticipate you to have had no contact along with your mother and father for at the least 12 months, though this will not apply in distinctive circumstances.
You’ll be able to’t declare impartial standing simply since you don’t get on along with your mother and father or since you don’t stay with them.
You’ll be able to’t declare impartial standing just because your mother and father don’t wish to give particulars of their earnings or refuse to offer monetary assist to you.
When you’re an impartial pupil who’s married, in a civil partnership or are over 25 and reside along with your associate, Scholar Finance England will take into consideration the earnings of your husband, spouse, civil associate or associate.
Your associate’s residual earnings will usually be labored out in the identical method as your mother and father’ residual earnings. Nevertheless, totally different guidelines apply when you separate out of your associate. The family earnings threshold can be the identical.
We’ll work out your associate’s residual earnings by taking the gross earnings (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 associate can be a pupil
As soon as we’ve taken off the related quantities and labored out your associate’s residual earnings, we’ll add this to your earnings and assess a family contribution as follows:
no contribution for whole earnings of as much as £25,000
£1 for each £7.27 of the whole earnings over £25,000, till 44% of the complete Upkeep Mortgage stays.
no contribution for whole earnings of as much as £25,000
£1 for each £7.08 of the whole earnings over £25,000, till 49.8% of the complete Upkeep Mortgage stays.
no contribution for whole earnings of as much as £25,000
£1 for each £7.20 of the whole earnings over £25,000, till 46.6% of the complete Upkeep Mortgage stays.
We’ll ship you a Scholar Finance Entitlement letter telling you the way a lot pupil finance you will get.
The letter will let you know when your instalments will probably be paid and particulars of any grants or different funds you could be due. You’ll often be paid in 3 instalments, usually initially of every time period.
Keep in mind to register at your college or faculty – we will’t pay you till you do!
That you must register at your college or faculty earlier than we will 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 to maintain this secure. 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 must do something aside from register. It will possibly take as much as 5 working days in your cash to succeed in your account, relying in your financial institution.
When you began your course on or after 1 September 2012, we’ll pay your Tuition Payment Mortgage on to your college or faculty.
When you began your course on or after 1 August 2018, we’ll pay your Tuition Payment 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.
Whenever you register at your college or faculty, be sure to take any paperwork that your faculty wants, specifically your Scholar Finance Entitlement letter.
Just be sure you all the time confer with your self in the identical method on the entire paperwork you’re requested to fill in. For instance, when you apply for a college place via UCAS as ‘John Anthony Smith’, please confer with your self in the identical method in your pupil finance utility. It’s finest to provide your full title because it seems in your beginning certificates or passport.
This is applicable to all college students.
When you apply for a Tuition Payment Mortgage, it’ll be paid on to your college or faculty in 3 instalments throughout the tutorial 12 months.
You’ll be accountable for any proportion of your Tuition Payment Mortgage paid to your college or faculty from the primary day of time period when you’re a full-time pupil.
This would be the case no matter any withdrawals, transfers or suspensions of research.
When you’re a part-time pupil, you’ll be accountable for any proportion of your Tuition Payment Mortgage paid to your college or faculty when you’ve been in your course for two weeks of the tutorial 12 months.
This is applicable to all college students.
When you switch to a brand new college or faculty earlier than the beginning of time period 1 your full Tuition Payment Mortgage will probably be paid to your new college or faculty.
When you switch to a brand new college or faculty throughout time period 1, your new college will solely get 75% of your Tuition Payment Mortgage. The remaining 25% will probably be paid to the college or faculty you transferred from.
If the tutoring payment at your new college or faculty is increased we’ll solely pay the college 75% of the brand new tuition payment.
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 Payment Mortgage. The opposite 50% will probably be paid to your new college or faculty.
When you switch throughout time period 3, we received’t pay any Tuition Payment Mortgage to your new college or faculty. Your earlier college or faculty will get the complete Tuition Payment Mortgage.
In case your circumstances change, for instance you permit your course early you have to tell us.
A change to your particulars may find yourself with you being overpaid. You’ll must pay again any cash you’re not entitled to. On this case, the reimbursement threshold received’t apply and also you may 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 info on reimbursement go to www.gov.uk/repaying-your-student-loan
Go to our YouTube channel to look at our sequence 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
You may also cellphone 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 will probably be on-line from Monday to Friday 9am – 5pm and Saturday 9am – 4pm to reply your questions. You’ll be able to:
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, info and coaching. You will get extra info by visiting www.nasma.org.uk
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