September 2026 intake — in progress · limited seats
Student Finance

Everything you need to know about student finance in the UK.

Understanding how student finance works is the first step to university. We break it all down — tuition fee loans, maintenance loans, grants, and what you're actually entitled to.

01

Tuition Fee Loan

Covers your full tuition (up to £9,250/year). Paid directly to your university — you never see this money yourself. Repayments only start when you earn over £25,000.

02

Maintenance Loan

Paid into your bank account each term to cover living costs. The amount depends on your individual circumstances. Its up to £16,000/year.

03

Grants & Bursaries

Free money you never pay back. Disabled Students' Allowance, childcare grants, adult dependants grants — we check every one you're entitled to.

04

Repayment

You repay 9% per year of anything you earn above £25,000. After 30 years any remaining balance is written off. It's more like a graduate tax than a traditional loan.

05

ILR & Refugee Status

You may still qualify for student finance even if you're not a UK citizen. ILR, settled status, refugee status, and protected persons all have pathways to funding.

06

Postgraduate Loans

Up to £13,227 for a Masters degree. Up to £28,673 for a Doctoral degree. A separate loan from undergraduate funding — and we help you apply for both.

Common Questions

Student Finance FAQs

Answers to the questions we hear every day.

Apply as early as possible — ideally as soon as Student Finance England opens applications, usually in February or March for the following September intake. Late applications can delay your first payment.
No — you can apply with a provisional course and update it later. We always recommend applying early even if you haven't confirmed your university yet.
Your National Insurance number, passport or birth certificate. If you have ILR or refugee status you'll also need your Home Office documents. We guide you through every document.

Ready to check your eligibility?

Our advisors will walk you through your full funding picture — for free.

Apply for free