1. What’s Scholar Finance England?
Scholar Finance England (SFE) is a service supplied by the Scholar Loans Firm. We offer monetary assist on behalf of the UK Authorities to college students from England coming into increased schooling within the UK.
We’re right here to assist and might give you monetary assist while you want it most, throughout your research.
To search out out what you will get, learn our interactive fast begin guides
And to use for pupil finance, go to www.gov.uk/student-finance
2. What’s this information about?
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 supplies steering solely and doesn’t cowl each circumstance.
This information applies to you if you happen to usually reside in England and are beginning or persevering with on the next schooling course, anyplace within the UK in 2021 to 2022.
The authorized place is as set out in The Training (Scholar Help) Rules 2011 (as amended).
Relying in your circumstances, your course and the place you research, you might be able to get a spread of economic assist and assist.
You might get grants and bursaries (which you don’t should pay again) and loans (which you do). There’s additionally additional assist if in case you have youngsters or grownup dependants, or a incapacity, together with a long-term well being situation, mental-health situation or a selected studying issue, equivalent to dyslexia.
Most college students gained’t should pay any tuition charges up entrance
2.1 apply The quickest and best strategy to apply is on-line at www.gov.uk/student-finance Learn our interactive fast begin guides for extra data on: the Tuition Price Mortgage and Upkeep Mortgage
Disabled College students’ Allowance
pupil finance for college students with youngsters or grownup dependants
3. Do I qualify?
3.1 Your nationality or residency standing
Your nationality, residency standing and deal with historical past could have an effect on if you happen to can apply and the funding you will get. In case you’re eligible for pupil finance you might be able to get funding to assist with the prices of both:
your tuition charge and your residing prices (full assist)
your tuition charges solely
Learn the way a lot Tuition Price Mortgage you could possibly get.
Who can get tuition charge and residing prices (full assist)
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 also you’re one of many following:
a UK nationwide or Irish citizen
settled below the EU Settlement Scheme
granted indefinite go away to stay for different causes
In case you’re a UK nationwide who was residing within the EEA, Gibraltar or Switzerland, you might be able to apply for full assist.
You can too apply 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 below 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 below the EU settlement scheme
a member of the family of a UK Nationwide, each you and your member of the family should 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
Calais go away or the dependant baby of somebody with Calais go away
Indefinite Depart to Stay as a bereaved companion
Indefinite Depart to Stay as a Sufferer of Home Violence or Abuse (DVILR)
go away to stay below the part 67 of the Immigration act or the dependant baby of somebody with this standing
In case you’ve been residing within the UK for the previous 3 years with lengthy residence and are: below 18 on the primary day of my course and have lived within the UK for no less than 7 years 18 or over on the primary day of my course and have lived within the UK for no less than half my life or no less than 20 years
Use the coed finance calculator to see what finance you will get.
Who can get tuition charges solely
You possibly can apply for tuition charge funding if you happen to’ve been residing within the UK, the EEA, Gibraltar or Switzerland for the previous 3 years and you’ve got:
pre-settled standing below the EU Settlement Scheme and are an EU nationwide or a member of the family of an EU nationwide
Irish Citizenship or are a member of the family of an Irish Citizen or Individual of Northern Eire and you’ve got pre-settled standing below the EU Settlement Scheme
Gibraltarian standing as an EU nationwide
been residing in Gibraltar as a UK nationwide
You can too apply if you happen to’ve been residing within the UK or Eire for the previous 3 years (with a part of that point spent in Eire) and have Irish citizenship.
You’ll not be eligible for funding to assist withliving prices.
What you’ll be requested for while you apply for pupil finance
Relying in your residency standing, while you apply it’s possible you’ll be requested to offer:
the date your standing was granted and/or expires
the addresses of locations you could have lived
3.2 Age
Product Age Restrict Tuition Price Mortgage There are not any age limits for Tuition Price Loans. Loans for residing prices In case you began your course earlier than 1 August 2016 you should be below 60 on the primary day of the primary educational 12 months of your course to get a Upkeep Mortgage. In case you’re over 60 and beginning your course after 1 August 2016 you would possibly be capable to get a Particular Help Mortgage. Grants There are not any age limits for grants.
3.3 Earlier research
Tuition Price Loans and Upkeep Grants
You’ll solely be capable to get a Upkeep Grant if you happen to began your course earlier than 1 August 2016.
This assist isn’t accessible if you happen to maintain an equal or higher-level qualification to the one you propose to review. In case you maintain a lower-level qualification or have beforehand studied in increased schooling however not achieved a qualification, assist could also be accessible, however that assist will rely upon the variety of years that you simply’ve beforehand studied.
Full assist is out there if you have already got a primary diploma however you’re finding out:
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 2018
a dental hygiene or dental remedy course from 1 August 2018
Upkeep Loans
A Upkeep Mortgage is out there if you happen to don’t have an equal or higher-level qualification or if you’re on a course resulting in knowledgeable qualification, equivalent to a medical physician, dentist, veterinary surgeon or architect.
Half-time college students
You possibly can normally solely get pupil finance on your first higher-education course. In case you’ve already studied a higher-education 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.
Further grants
Dependants’ Grants and DSA are nonetheless accessible if in case you have beforehand studied in increased schooling.
For extra data go to www.gov.uk/student-finance
3.4 Your course
Typically, to be eligible for monetary assist you should be finding out at an eligible uni or school. The course should result in:
a level (for instance, Basis, or a BSc or BA, with or with out Honours)
a Diploma of Greater Training (DipHE) – or a Greater Nationwide Diploma (HND)
a Greater Nationwide Certificates (HNC) – or a Certificates of Greater Training – or an Preliminary Trainer Coaching (ITT) course
a course in preparation for knowledgeable examination of a regular increased than that of examination for superior stage GCE, or the examination at increased stage for the Scottish Certificates of Training, 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 standard 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 Training, 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 standard entry requirement
Some programs are prolonged past their regular size to incorporate a basis 12 months. These are designed to arrange college students for research of their chosen topic if their {qualifications} or expertise are acceptable for coming into increased schooling, 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 below, the Training (Scholar Help) Rules 2011 (as amended), and
when first enrolling, college students enrol for the complete size of the prolonged course.
The next programs aren’t lined:
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 below 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 schooling
In case 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 school you’re hoping to go to. They need to have the ability that will help you.
Half-time college students (together with distancelearning)
In case 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 have 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 educational 12 months is normally equal to 25% of a full-time course.
Help for college students finding out full-time distance studying programs
In case 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 case you’re finding out a full-time course by distance studying as a result of you could have a incapacity and your incapacity prevents you from bodily attending a course it’s possible you’ll be eligible for the full-time package deal of assist and further assist in the type of Disabled College students’ Allowance.
You may also be eligible if you happen to’re:
a partner or civil companion residing with a member of the UK Armed Forces serving abroad
a toddler, step-child or adoptive baby 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 normally 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
3.5 Leaving your course or transferring to a brand new course
In case you withdraw, droop or switch to a brand new course earlier than your course begins you may replace your data on-line.
In case your course has began, it is best to contact us and ask your college or school to tell us.
It’s vital to recollect the principles about earlier research if you happen to’re fascinated by 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 if you happen to take one other course sooner or later.
It’s essential if you wish to switch programs or withdraw out of your course that you simply speak to your college or school 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 might be able to apply for a further quantity of Tuition Price Mortgage as much as a most of £9,250. In case you switch course throughout the educational 12 months a share of your Tuition Price Mortgage will nonetheless be paid to your earlier college/school. Please go to Part 5.4 ‘Fee of your tuition charges’ and Part 5.5 ‘Altering your course’ for additional particulars.
In case you withdraw, switch or droop your research you’ll nonetheless be responsible for any share of Tuition Price Mortgage paid to your college or school. In case you droop your research attributable to sickness you may 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 aside from sickness, or if the sickness exceeds 60 days.
In case 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 ends in you being overpaid, you’ll must 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.
4. Assessing how a lot pupil finance you will get
This part tells you the way we use the data you give us to work out how a lot pupil finance you will get.
We’ll take 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 throughout the educational 12 months, equivalent to dividends from investments/shares or revenue from property lettings
your husband, spouse or civil companion’s revenue (or your companion’s revenue if you happen to’re over 25) if you happen to’re an impartial pupil (see word under)
Tuition Price Loans and Disabled College students’ Allowance (DSA) don’t rely upon family revenue.
Notice: Go to part 4.11 for definitions of an ‘impartial pupil’.
4.1 Common details about revenue for all college students
A few of the grants, and a part of the Upkeep Mortgage, rely in your family revenue. When making use of for monetary assist that is determined by your family revenue, you’ll want to present us some monetary data.
4.2 NHS bursaries
In case you’re eligible to use for NHS bursaries that rely in your family revenue, and also you meet the coed finance eligibility necessities you may apply for a lowered fee Upkeep Mortgage that doesn’t rely in your family revenue. In case you’re eligible to use for NHS bursaries that don’t rely upon family revenue you may’t apply for pupil finance from us. You may get extra details about NHS bursaries by visiting www.nhsbsa.nhs.uk/college students or calling 0300 330 1345.
4.3 Your revenue
This is applicable to all college students.
We’ll ask you to estimate your complete revenue for the approaching educational 12 months.
You need to embody particulars of any taxable unearned revenue you obtain from the next sources:
financial institution or constructing society gross curiosity
property, lettings or hire
dividends or investments
trusts or sponsorships
some other fee acquired for attending the course
You need to solely embody funds from an employer if you happen to’re being launched out of your employment by your employer to attend your course.
Earnings from earnings throughout an instructional 12 months of your course (together with vacation, night or weekend work) doesn’t must be declared.
We’ll ignore the next:
pension funds made by your sponsor that qualify for sure specified tax aid
the primary £1,130 for any baby who is completely, or primarily financially depending on you or your husband, spouse or civil companion or your companion if you happen to’re over 25
4.4 Your family revenue — dad and mom
This is applicable to all dependent college students.
We’ll assess your dad and mom’ revenue, together with the revenue of a related companion of your mum or dad except:
you’re an impartial pupil (see part 4.11)
you select to not present particulars of your dad and mom’ revenue since you’re making use of for assist that isn’t assessed in your family revenue
In case your dad and mom don’t give these particulars, you’ll not get the complete quantity of Upkeep Mortgage accessible. For tutorial 12 months 2021 to 2022, we’ll normally take a look at your dad and mom’ family revenue for the monetary 12 months 2019 to 2020. But when your dad and mom’ family revenue has dropped by 15% or extra, they’ll ask us to have a look at their probably revenue for the present monetary 12 months. Your dad and mom’ revenue will probably be added to yours to work out the entire family revenue. Utilizing your family revenue, we’ll then work out what assist you’re entitled to and if there ought to be any family contribution.
Parental revenue
Relying on their revenue, dad and mom could should contribute in the direction of your residing prices whilst you’re finding out. In case you’re a dependent pupil (go to part 4.11 to see whether or not you’re a dependent or an impartial pupil), the revenue of your dad and mom will probably be assessed. In case your dad and mom are separated or divorced, we’ll use the revenue of whichever mum or dad you’re financially depending on, together with the revenue of your mum or dad’s companion, if they’ve one. This implies we won’t want revenue particulars from the mum or dad that you simply’re not depending on, or have much less contact with.
A mum or dad’s ‘companion’ means one of many following:
a partner (husband or spouse)
a civil companion
an individual ordinarily residing with the mum or dad as his or her partner
an individual ordinarily residing with the mum or dad as his or her civil companion
In case your circumstances change throughout the educational 12 months, this will have an effect on your evaluation.
4.5 Which part applies to you?
The best way we assess your family revenue is determined by whether or not you’re a dependent or impartial pupil and while you began your course.
In case you’re an impartial pupil (go to part 4.11 to search out out if you’re classed as impartial)
In case you’re a dependent pupil and also you began your full-time course:
between 1 September 2009 and 31 August 2012 – go to part 4.6
between 1 September 2012 and 31 July 2016 – go to part 4.7
on or after 1 August 2016 – go to part 4.8
In case you’re a dependent pupil and also you began your part-time course:
between 1 September 2012 and 31 July 2018 – go to part 4.9
on or after 1 August 2018 – go to part 4.10
4.6 Dependent college students who began their full-time course between 1 September 2009 and 31 August 2012
Assessing the family contribution
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your mum or dad’s companion, 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 personal pension schemes, further voluntary contributions and employment associated prices
£1,130 for any baby aside from you who is completely or primarily financially depending on them
£1,130 in case your mum or dad can also 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 complete revenue of as much as £50,778
£1 for each £4.10 of the entire revenue over £50,778, till 72% of the complete Upkeep Mortgage stays
For instance, if the family revenue is £55,000, we’ll assess a contribution of £1,029. The primary line of the desk under reveals the family revenue stage at which you’d obtain the complete fee Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your closing 12 months. In case you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months gained’t be handled as a closing 12 months. The desk then reveals 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.
Full 12 months Remaining 12 months Help lined Family residual revenue Family contribution Family residual revenue Family contribution Full-rate Upkeep Mortgage or most fee closing 12 months Upkeep Mortgage £50,778 £0 £50,778 £0 72% Upkeep Mortgage – pupil residing away from residence and finding out in London £60,614 £2,399 £59,732 £2,184 72% Upkeep Mortgage – pupil residing away from residence and finding out exterior London £57,806 £1,714 £57,284 £1,587 72% Upkeep Mortgage – pupil residing with dad and mom £56,231 £1,330 £55,722 £1,206
Upkeep Mortgage entitlement if you happen to get a Upkeep Grant
In case you apply for a Upkeep Grant, you may as well apply for a Upkeep Mortgage. Nevertheless, 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 complete Upkeep Grant of £3,597 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement will probably be lowered by £1,798.
Family revenue Upkeep Grant Upkeep Mortgage – residing away from residence and finding out exterior London Upkeep Mortgage – residing away from residence and finding out in London Upkeep Mortgage – residing with dad and mom £25,000 £3,597 £4,322 £6,769 £2,949 £30,000 £2,440 £4,902 £7,347 £3,527 £40,000 £963 £5,641 £8,086 £4,266 £50,719 £50 £6,097 £8,542 £4,722 £50,778 £0 £6,122 £8,567 £4,747
Particular Help Grant
The Particular Help Grant replaces the Upkeep Grant in sure circumstances. You might get the Particular Help Grant if any of the next apply whilst you’re in your course:
you’re a lone mum or dad or lone foster mum or dad who’s accountable for a kid or younger individual below 20 who’s in full-time schooling under higher-education stage or on an authorised coaching course
you could have a companion who can also be a pupil, and one or each of you might be accountable for a kid or younger individual below 20 who’s in full-time schooling under higher-education stage or on an authorised coaching course
you could 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 attributable to 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 no less than 28 weeks
you could have a incapacity and qualify for income-related Employment and Help 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 Residing Allowance (DLA)
you’re entitled to Armed Forces Independence Fee (AFIP)
If you will get a Particular Help Grant, you gained’t be capable to get a Upkeep Grant as nicely. Nevertheless, the Particular Help Grant gained’t have an effect on the quantity of Upkeep Mortgage you will get.
Different college students in your family
Totally different guidelines apply if in case you have a brother, sister or mum or dad who can also 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 could 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 one in all your dad and mom loses their job), we’ll assess the family contribution once more.
4.7 Dependent college students who began their full-time course between 1 September 2012 and 31 July 2016
Assessing the family contribution
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your mum or dad’s companion, 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 personal pension schemes, further voluntary contributions and employment associated prices
£1,130 for any baby aside from you who is completely or primarily financially depending on them
£1,130 if the mum or dad can also 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 complete revenue of as much as £42,875
£1 for each £8.11 of the entire revenue over £42,875, till 65% of the complete Upkeep Mortgage stays
For instance, if the family revenue is £55,000, we’ll assess a contribution of £1,495. The primary line of the desk reveals the family revenue stage at which you’d obtain the full-rate Upkeep Mortgage or the utmost fee Upkeep Mortgage in your closing 12 months. In case you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months gained’t be handled as a closing 12 months. It then reveals 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.
Full 12 months Remaining 12 months Help lined Family residual revenue Family contribution Family residual revenue Family contribution Full-rate Upkeep Mortgage or most fee closing 12 months Upkeep Mortgage £42,875 £0 £42,875 £0 65%* Upkeep Mortgage – pupil residing away from residence and finding out in London £69,817 £3,322 £67,408 £3,025 65%* Upkeep Mortgage – pupil residing away from residence and finding out exterior London £62,161 £2,378 £60,823 £2,213 65%* Upkeep Mortgage – pupil residing with dad and mom £58,236 £1,894 £56,987 £1,740
*Identical share as closing 12 months
Assessing Upkeep Grant entitlement
You might be entitled to get a non-repayable Upkeep Grant of as much as £3,919 a 12 months. In case your family revenue:
is £25,000 or much less, it’s possible you’ll be entitled to the complete Upkeep Grant of £3,919
is between £25,000 and £42,721, the quantity of grant you will get will lower by £1 for each £4.58 of family revenue above £25,000
is £42,721, you might be able to get the minimal Upkeep Grant of £50
is greater than £42,721, you gained’t be capable to get any Upkeep Grant
Upkeep Mortgage entitlement if you happen to get a Upkeep Grant
In case you apply for a Upkeep Grant, you may as well apply for a Upkeep Mortgage. Nevertheless, 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 complete Upkeep Grant of £3,919 and also you qualify for a Upkeep Mortgage, your Upkeep Mortgage entitlement will probably be lowered by £1,959.
Family revenue Upkeep Grant Upkeep Mortgage – residing away from residence and finding out exterior London Upkeep Mortgage – residing away from residence and finding out in London Upkeep Mortgage – residing with dad and mom £25,000 £3,919 £4,843 £7,531 £3,451 £30,000 £2,828 £5,388 £8,076 £3,996 £40,000 £644 £6,480 £9,168 £5,088 £42,721 £50 £6,777 £9,465 £5,385 £55,000 £0 £5,307 £7,995 £3,915
Particular Help Grant
Particular Help Grant replaces the Upkeep Grant in sure circumstances. You might get the Particular Help Grant if any of the next apply whilst you’re in your course:
you’re a lone mum or dad or lone foster mum or dad who’s accountable for a kid or younger individual below 20 who’s in full-time schooling under higher-education stage or on an authorised coaching course
you could have a companion who can also be a pupil, and one or each of you might be accountable for a kid or younger individual below 20 who’s in full-time schooling under higher-education stage or on an authorised coaching course
you could 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 attributable to 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 no less than 28 weeks
you could have a incapacity and qualify for income-related Employment and Help 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 Residing Allowance (DLA)
you’re entitled to Armed Forces Independence Fee (AFIP)
If you will get a Particular Help Grant, you gained’t be capable to get a Upkeep Grant as nicely. Nevertheless, the Particular Help Grant gained’t have an effect on the quantity of Upkeep Mortgage you will get.
Different college students in your family
Totally different guidelines apply if in case you have a brother, sister or mum or dad who can also 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 could 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 one in all your dad and mom loses their job), we’ll assess the family contribution once more.
4.8 Dependent college students beginning a full-time course on or after 1 August 2016
In case you’re beginning a course on or after 1 August 2016 you’ll be capable to apply for an elevated Upkeep Mortgage.
Assessing your revenue
We’ll work out your dad and mom’ residual revenue (which incorporates the revenue of your mum or dad’s companion, 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 personal pension schemes, further voluntary contributions and employment associated prices
£1,130 for any baby aside from you who is completely or primarily financially depending on them
£1,130 in case your mum or dad can also 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:
College students residing with dad and mom
no contribution for complete revenue of as much as £25,000
£1 for each £7.43 of the entire revenue over £25,000, till 44% of the complete Upkeep Mortgage stays.
College students residing away from residence and finding out in London
no contribution for complete revenue of as much as £25,000
£1 for each £7.24 of the entire revenue over £25,000, till 49.8% of the complete Upkeep Mortgage stays.
College students residing away from residence and finding out exterior London
no contribution for complete revenue of as much as £25,000
£1 for each £7.36 of the entire revenue over £25,000, till 46.6% of the complete Upkeep Mortgage stays.
The revenue evaluation is the quantity that will probably be deducted from the utmost accessible Upkeep Mortgage to work out how a lot you will get.
The primary line of the desk under reveals the family revenue stage at which you’d get the full-rate Upkeep Mortgage or the maximum-rate Upkeep Mortgage in your closing 12 months. In case you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months gained’t be handled as a closing 12 months. It then reveals the family revenue ranges at which you’d solely be entitled to the essential fee of Upkeep Mortgage that doesn’t rely in your family revenue.
College students not entitled to advantages
Full 12 months Remaining 12 months Help lined Family residual revenue Earnings evaluation Family residual revenue Earnings evaluation Full fee Upkeep Mortgage or most fee closing 12 months Upkeep Mortgage As much as £25,000 £0 As much as £25,000 £0 49.8% / 49%* Upkeep Mortgage – pupil residing away from residence and finding out in London £70,004 £6,216 £67,390 £5,854 46.6% / 45.8%* Upkeep Mortgage – pupil residing away from residence and finding out exterior London £62,286 £5,066 £60,790 £4,862 44% / 43%* Upkeep Mortgage – pupil residing with dad and mom £58,220 £4,471 £56,851 £4,286
*Remaining 12 months share
Upkeep Mortgage entitlement
Family revenue Upkeep Mortgage – residing away from residence and finding out exterior London Upkeep Mortgage – residing away from residence and finding out in London Upkeep Mortgage – residing with dad and mom £25,000 £9,488 £12,382 £7,987 £30,000 £8,809 £11,692 £7,315 £35,000 £8,130 £11,001 £6,642 £40,000 £7,450 £10,311 £5,969 £42,875 £7,060 £9,914 £5,582 £45,000 £6,771 £9,620 £5,296
College students entitled to advantages
Full 12 months Remaining 12 months Help lined Family residual revenue Earnings evaluation Family residual revenue Earnings evaluation Full fee Upkeep Mortgage or most fee closing 12 months Upkeep Mortgage As much as £25,000 £0 As much as £25,000 £0 45.7% / 45.2%* Upkeep Mortgage – pupil residing away from residence and finding out in London £70,011 £7,338 £67,390 £7,038 40.9% / 39.8%* Upkeep Mortgage – pupil residing away from residence and finding out exterior London £62,291 £6,393 £60,790 £6,227 37.3% / 35.9%* Upkeep Mortgage – pupil residing with dad and mom £58,226 £5,907 £56,851 £5,754
*Remaining 12 months share
In case you’re entitled to advantages
As soon as we’ve labored out your dad and mom’ residual revenue and brought off any allowances (that had been listed below the “Assessing your revenue” part) we’ll add this quantity to your revenue and do an revenue evaluation as follows:
College students residing with dad and mom
No contribution for complete revenue of as much as £25,000
£1 for each £4.653 (or £4.615 in a closing 12 months) of the entire revenue over £25,000, as much as £42,875
£1 for each £7.43 of the entire revenue over £42,875, till 37.3% of the complete Upkeep Mortgage stays
College students residing away from residence and finding out in London
no contribution for complete revenue of as much as £25,000
£1 for each £4.979 (or £4.894 in a closing 12 months) of the entire revenue over £25,000, as much as £42,875.
£1 for each £7.24 of the entire revenue over £42,875, till 45.7% of the complete Upkeep Mortgage stays.
College students residing away from residence and finding out exterior London
no contribution for complete revenue of as much as £25,000
£1 for each £4.76 (or £4.712 in a closing 12 months) of the entire revenue over £25,000, as much as £42,875.
£1 for each £7.36 of the entire revenue over £42,875, till 40.9% of the complete Upkeep Mortgage stays.
The primary line of the desk above reveals the family revenue stage at which you’d get the full-rate Upkeep Mortgage or the utmost fee Upkeep Mortgage in your closing 12 months. In case you’re on a one-year postgraduate ITT course (for instance, a PGCE course), that 12 months gained’t be handled as a closing 12 months. It then reveals the family revenue ranges at which you’d solely be entitled to the essential fee of Upkeep Mortgage that doesn’t rely in your family revenue.
College students who’re eligible for advantages
Upkeep Mortgage entitlement
Family revenue Upkeep Mortgage – residing away from residence and finding out exterior London Upkeep Mortgage – residing away from residence and finding out in London Upkeep Mortgage – residing with dad and mom £25,000 £10,815 £13,504 £9,423 £30,000 £9,765 £12,500 £8,349 £35,000 £8,715 £11,496 £7,274 £40,000 £7,664 £10,492 £6,200 £42,875 £7,060 £9,914 £5,582 £45,000 £6,772 £9,621 £5,296
In case you’re over 60
In case you’re 60 or over on the primary day of the primary academicyear of your course you may apply for a Mortgage for Residing Prices of as much as £4,014, relying in your family revenue.
Your mortgage will probably be lowered by £1 for each £4.73 of family revenue over £25,000, as much as £43,750. In case your family revenue is greater than this you gained’t get any Mortgage for Residing Prices
Family revenue Mortgage for Residing Prices £25,000 £4,014 £30,000 £2,957 £35,000 £1,900 £40,000 £843 £43,750 £50 £43,751 £0
4.9 Dependent college students who began their part-time course between 1 September 2012 and 31 July 2018
In case 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 will get doesn’t rely in your family revenue.
4.10 Dependent college students beginning a part-time course on or after 1 August 2018
In case 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 will get doesn’t rely in your family revenue.
You can too get a part-time Upkeep Mortgage, which does rely in your family revenue. In case 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 could have a incapacity.
Upkeep Mortgage entitlement for 100% depth of research
Family revenue Upkeep Mortgage – residing away from residence and finding out exterior London Upkeep Mortgage – residing away from residence and finding out in London Upkeep Mortgage – residing with dad and mom £25,000 £9,488 £12,382 £7,987 £30,000 £8,809 £11,692 £7,315 £35,000 £8,130 £11,001 £6,642 £40,000 £7,450 £10,311 £5,969 £42,875 £7,060 £9,914 £5,582 £45,000 £6,771 £9,620 £5,296
Depth of research Most part-time mortgage for residing prices entitlement (share of full-time fee) Lower than 25% No entitlement 25% to lower than 33.3% 25% 33.3% to lower than 50% 33.3% 50% to lower than 66.6% 50% 66.6% to lower than 75% 66.6% 75% to lower than 100% 75% 100% 100%
In case you’re over 60
In case 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 Price Mortgage and Disabled College students’ Allowance if you’re eligible.
4.11 Impartial college students
Info for all college students
In case you’re not financially supported by your dad and mom, then you definately is perhaps classed as an impartial 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 impartial pupil you’ll meet one of many following circumstances:
You’ve got the care of an individual below the age of 18 on the primary day of the educational 12 months.
You’re 25 or over on the primary day of the educational 12 months.
You’ve been married or in a civil partnership earlier than the beginning of the educational 12 months, even if you happen to’re now divorced or separated.
You haven’t any residing dad and mom.
You’ve supported your self for no less than 3 years earlier than the beginning of your course. This consists of any time you: had been in paid, full-time employment acquired Earnings Help, Jobseeker’s Allowance or different state advantages acquired any pension, allowance or different profit due to a incapacity or by any motive of confinement, illness or sickness acquired coaching below 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 potential to contact them.
Your dad and mom reside 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 had been assessed (this will apply to you if you happen to’re a refugee).
You’ve not communicated together with your dad and mom for one 12 months earlier than the start of the educational 12 months, or you may reveal you’re completely estranged out of your dad and mom.
Topic to sure exceptions, you had 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.
Proof that you simply’re an impartial pupil
If you’re, or have been, married or in a civil partnership we’ll must see your marriage certificates or civil partnership schedule.
In case 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 indicate the way you’ve supported your self. In case you’ve been working or claiming advantages you have to present written affirmation of this.
You might 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 durations 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.
In case you have care of a kid and also you’re making use of for impartial standing, it is best to ship the kid’s authentic start certificates and proof that you simply’re caring fora baby, equivalent to, proof that you simply get Youngster Profit, Youngster Tax Credit score or the kid aspect of Common Credit score.
In case you don’t ship us the proper proof, it’ll delay your utility and also you won’t get all the coed finance you’re entitled to.
If you wish to declare impartial standing since you’re estranged out of your dad and mom, you have to present affirmation from knowledgeable individual, 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 (if in case you have one)
if you happen to claimed Earnings Help while you had been below 18, a letter out of your native Jobcentre Plus workplace displaying that you simply obtained advantages due to your scenario
in case your relationship together with your dad and mom broke down whilst you had been at college or school, a letter from an recommendation employee or private tutor or instructor confirming your circumstances
a letter out of your physician if you happen to visited them due to issues regarding the breakdown of your relationship together with your dad and mom.
You’ll must show that the shortage of contact together with your dad and mom is everlasting. We might usually anticipate you to have had no contact together with your dad and mom for no less than 12 months, though this will not apply in distinctive circumstances.
You possibly can’t declare impartial standing simply since you don’t get on together with your dad and mom or since you don’t reside with them. You possibly can’t declare impartial standing just because your dad and mom don’t need to give particulars of their revenue or refuse to offer monetary assist to you.
Your family revenue
In case you’re an impartial pupil who’s married or in a civil partnership, Scholar Finance England will keep in mind the revenue of your husband, spouse, civil companion or companion.
Your companion’s residual revenue will usually be labored out in the identical approach as your dad and mom’ residual revenue. Nevertheless, totally different guidelines apply if you happen to separate out of your companion. The family revenue threshold can also be the identical.
Assessing the family contribution on your Upkeep Mortgage
We’ll work out your companion’s residual revenue by taking the gross revenue (earlier than tax and Nationwide Insurance coverage) and taking off allowance for the next:
funds into personal pension schemes, further voluntary contributions and employment associated prices
£1,130 for any baby who is completely or primarily financially depending on them
£1,130 in case your companion can also be a pupil
As soon as we’ve taken off the related quantities and labored out your companion’s residual revenue, we’ll add this to your revenue and assess a family contribution as follows:
College students residing at residence
no contribution for complete revenue of as much as £25,000
£1 for each £7.43 of the entire revenue over £25,000, till 44% of the complete Upkeep Mortgage stays.
College students residing away from residence and finding out in London
no contribution for complete revenue of as much as £25,000
£1 for each £7.24 of the entire revenue over £25,000, till 49.8% of the complete Upkeep Mortgage stays.
College students residing away from residence and finding out exterior London
no contribution for complete revenue of as much as £25,000
£1 for each £7.36 of the entire revenue over £25,000, till 46.6% of the complete Upkeep Mortgage stays.
5. How do I receives a commission?
5.1 Full-time college students
Scholar Finance Entitlement letter
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 it’s possible you’ll be due. You’ll normally be paid in 3 instalments, usually at first of every time period.
Fee of your Upkeep Mortgage and Grant
Bear in mind to register at your uni or school – we are able to’t pay you till you do!
You should register at your college or school earlier than we are able to make your first fee. You’ll normally do that within the first week of your course and you’ll have to take alongside your Scholar Finance Entitlement letter, so ensure you preserve this secure. When you’ve registered, your college or school 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 could take as much as 5 working days on your cash to succeed in your account, relying in your financial institution.
5.2 Half-time college students
In case you began your course on or after 1 September 2012, we’ll pay your Tuition Price Mortgage on to your college or school.
In case 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
5.3 Suggestions for getting your fee on time
There are a number of issues you are able to do to just remember to 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 identify and ship us your account particulars earlier than the beginning of time period. Whenever you register at your college or school, ensure you take any paperwork that your school wants, particularly your Scholar Finance Entitlement letter. Just remember to all the time consult with your self in the identical approach on the entire paperwork you’re requested to fill in. For instance, if you happen to apply for a college place by means of UCAS as ‘John Anthony Smith’, please consult with your self in the identical approach in your pupil finance utility. It’s greatest to present your full identify because it seems in your start certificates or passport.
5.4 Fee of your tuition charges
This is applicable to all college students.
In case you apply for a Tuition Price Mortgage, it’ll be paid on to your college or school in 3 instalments throughout the educational 12 months.
You’ll be responsible for any share of your Tuition Price Mortgage paid to your college or school 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.
When Tuition Price Mortgage fee is made to your college or school How a lot of your Tuition Price Mortgage is paid to your college or school At the beginning of time period 1 25% of the schooling charge At the beginning of time period 2 25% of the schooling charge At the beginning of time period 3 50% of the schooling charge
In case you’re a part-time pupil you’ll be responsible for any share of your Tuition Price Mortgage paid to your college or school when you’ve been in your course for two weeks of the educational 12 months.
5.5 Altering your course
This is applicable to all college students.
In case you switch to a brand new college or school earlier than the beginning of time period 1 your full Tuition Price Mortgage will probably be paid to your new college or school.
In case you switch to a brand new college or school throughout time period 1, your new college will solely get 75% of your Tuition Price Mortgage. The remaining 25% will probably be paid to the college or school you transferred from.
If the schooling charge at your new college or school is increased we’ll solely pay the college 75% of the brand new tuition charge.
Transferring to a brand new college or school throughout time period 2 will imply your earlier college or school can solely get 50% of your Tuition Price Mortgage. The opposite 50% will probably be paid to your new college or school.
In case you switch throughout time period 3 we gained’t pay any Tuition Price Mortgage to your new college or school. Your earlier college or school will get the complete Tuition Price Mortgage.
In case your circumstances change, for instance you allow your course early you have to tell us. A change to your particulars might find yourself with you being overpaid. You’ll must 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.
6.1 Need assistance?
Learn our interactive fast begin guides at www.sfengland.slc.co.uk/quickstartguides
For extra data on reimbursement go to www.gov.uk/repaying-your-student-loan
Go to our YouTube channel to look at our collection of animations that break down the coed finance course of into simple steps.
Scholar Finance England
When it’s time to use, go to www.gov.uk/student-finance
You can too 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 consultants will probably be on-line from Monday to Friday 9am – 5pm and Saturday 9am – 4pm to reply your questions. You possibly can:
tweet us
submit your query on Fb
Nationwide Union of College students (NUS)
You may get extra details about pupil finance and associated matters from the NUS web site at www.nus.org.uk
Postgraduate Search
For details about different sources of funding for undergraduates, go to www.postgraduatesearch.com
Nationwide Affiliation of Scholar Cash Advisers (NASMA)
NASMA is a charity working to assist college students by offering recommendation, data and coaching. You may get extra data by visiting www.nasma.org.uk
