Undergraduate student finance

Find out about the Government's student finance support.

Student loans

The two main costs you will face as an undergraduate student are tuition fees and living costs. Student loans are available from the Student Finance England to cover both of these costs. They work like this: 

  • The Government loans you the money to pay your tuition fees and living costs
  • You pay the Government back, in instalments, after you graduate
  • Your repayments are in proportion to your income
  • You only start repaying when you earn over a certain amount (currently £21,000 per year)
  • Repayment rates are decided in advance, so there shouldn’t be any unexpected changes

EU students: If you're applying for an undergraduate or master’s course at an English university or further education institution in the 2018/19 academic year, you will continue to have access to student loans, even if the course concludes after the UKs exit from the EU. Find out more.

Find out more on the student finance website.

Tuition Fee Loan

A full time Tuition Fee Loan is funding to help with the costs of tuition fees charged by the university. It’s paid directly to the University.

This loan is only available to full-time new and continuing students studying an eligible:

  • undergraduate course
  • Initial Teacher Training (ITT) course
  • Postgraduate Certificate in Education (PGCE)

Find out more on the student finance website.

Maintenance Loan

A Maintenance Loan, sometimes called a Living Cost Loan, is funding to help with day-to-day costs while studying. It’s paid directly to the student.

This loan is only available to new and continuing full-time students studying an eligible:

  • undergraduate course
  • Initial Teacher Training (ITT) course
  • Postgraduate Certificate in Education (PGCE)

Find out more on the student finance website.

Additional support

You may be eligible for additional support from Student Finance England if: 

  • you are a single parent
  • your partner is also a student
  • you have certain disabilities 

For full details and qualifying criteria, see the student finance website.