skip to main content

Loans and Grants for Undergraduates

Students on a full-time BA, BSc or Integrated Master’s course may be able to get UK government funding to cover their tuition fees and contribute towards living costs.

The information on this page is relevant to you if you will be applying for funding from Student Finance England and are starting or continuing your course in the 2019/20 academic year.

If you normally live elsewhere in the UK, please refer to the website of the relevant funding body in Scotland, Wales or Northern Ireland.

If you started your current course before 2016, please contact the Student Advice Service for individual advice.


Eligibility

Your eligibility for funding from Student Finance England depends on:

  • Course: Eligible courses include all of our BA, BSc and Integrated Masters’ courses, but not our Graduate Diploma and Foundation Diploma in Art and Design.
  • Age: There are no age limits for Tuition Fee Loans but if you are 60 or over, please contact the Student Advice Service for individual advice on your eligibility for a Maintenance Loan.
  • Previous study: If you have already started a higher education course in the UK or elsewhere, this may affect your eligibility. See our information on previous study.
  • Nationality, immigration status and residency of you or your family members: These determine your eligibility for funding, and which type of funding: Home funding or EU funding.

Home funding

This consists of:

  • Tuition Fee Loan
  • Maintenance Loan
  • Supplementary grants

Most UK nationals are eligible for this, but there are other categories of students who are eligible. See higher education categories 1 and 3 to 12 on the UKCISA website for detailed information.

EU funding

This consists of a Tuition Fee Loan only.


See higher education category 2 on the UKCISA website for detailed eligibility information.


Some EU nationals can apply for Home funding. See the Home funding section.


What you can get

Tuition Fee Loan

If you are eligible for Home or EU funding you can apply for a Tuition Fee Loan to cover your tuition fees.


Your Tuition Fee Loan will be paid directly to the University in instalments after you enrol onto your course.

Maintenance Loan

If you are eligible for Home funding, you can apply for a Maintenance Loan to help pay for your living costs.


This is paid into your bank account at the beginning of each term and the amount you can get depends on your household income. More information about this is below.

Supplementary grants

Students eligible for Home funding may also be eligible to apply for supplementary grants. These include:

Amount of Maintenance Loan

It is essential that you plan your finances carefully before making any commitments to a course or accommodation. In many cases, the Maintenance Loan will not cover all of a student’s accommodation and living expenses.

You can use the Student Finance England calculator to estimate the amount of Maintenance Loan you can get but it may not be accurate if you are in your final year or a placement year. The maximum amounts of Maintenance Loan are shown below but your individual entitlement is calculated using your household income.

Full-time student

2019 to 2020 academic year

Living at home

Up to £7,529

Living away from home, outside London

Up to £8,944

Living away from home, in London

Up to £11,672

Final year students will receive slightly less:

Final year full-time student

2019 to 2020 academic year

Living at home

Up to £7,085

Living away from home, outside London

Up to £8,458

Living away from home, in London

Up to £10,813

Household income

If you want to receive the maximum amount of Maintenance Loan that you are entitled to, you must provide your household income to Student Finance England. For the 2019/20 academic year, this will usually be the household income for the tax year 2017/18. However, if your household income has dropped by more than 15% please see our information about changes to household income.

Whose income must be provided will depend on whether you are a dependent student or an independent student:

Dependent student

If you are aged under 25 then you are usually considered to be a dependent student, unless you fall into one of the independent student categories.


If you are a dependent student, your parents’ income would be used to work out how much Maintenance Loan you can get.


If your parents are divorced, separated or single, Student Finance England will use the income of whichever parent you are financially dependent on. If your parent lives with a partner, this partner must also provide their income details.


See Student Finance England’s 2019/20 guide for more information.

Independent student

Students in some categories are considered to be an independent student. For example:

See pages 24 to 25 of Student Finance England’s 2019/20 guide for a full list of categories and information on each one, including evidence you may need to submit with your application.


If you are an independent student, your parents will not have to provide their income details.


If you are married, in a civil partnership or aged 25 or over and living with your partner, your partner’s income will counted.


See Student Finance England’s 2019/20 guide for more information.


Apply

The application processes for Home funding and EU funding are slightly different.

Apply for Home funding

You can apply now. You do not need to have a confirmed place at university, and can change or cancel your application easily at a later time.


You must apply by 24 May 2019 to guarantee that you will be paid your Maintenance Loan after enrolling onto your course. You can still apply after this date but your payment may be delayed.


Most students can apply online. If you are applying for Home funding as an EU, EEA or Swiss Migrant Worker or family member you should apply using a paper application form.


It usually takes 6 weeks for your application to be processed. After your application has been assessed, you will receive a ‘notification of entitlement’ letter confirming your funding. Copies of all letters will be saved in your online Student Finance account. You will need to upload this to the student portal when you pre-register for your course.


You must reapply for funding every year of your course.


Apply as a new student


Apply as a continuing student

Apply for EU funding

You can apply now using a paper application form. You do not need to have a confirmed place at university, and can change or cancel your application easily at a later time.


It usually takes 6 weeks for your application to be processed. After your application has been assessed, you will receive a ‘notification of entitlement’ letter confirming your funding. Copies of all letters will be saved in your online Student Finance account. You will need to upload this to the student portal when you pre-register for your course.


You must reapply for funding every year of your course.


Apply as a new student


Apply as a continuing student


During and after your course

Here are some things to consider when starting your course, or continuing to the next year of your course:

  • When you enrol onto the first and later years of your course, you will be asked to provide your ‘notification of entitlement’ letter from Student Finance England which confirms that your Tuition Fee Loan will be paid to the University.
  • The first instalment of your Maintenance Loan (if eligible) will be paid into your bank account five working days after completing enrolment or the start of term, whichever is later.
  • After starting your course, you should seek advice from the Student Advice Service before making a decision to leave, take time out or transfer to a different course. These events can all have implications on your current and future funding.