Student Finance, explained simply
Worried about how to pay for university? You're not alone. Here's what you need to know, in plain English.
What Student Finance can cover
- Tuition Fee Loan. Covers your course fees and is paid directly to your university. You don't pay anything upfront.
- Maintenance Loan. Helps with living costs while you study, such as rent, food and travel.
- Extra support. If you have children, adult dependants or a disability, you may be able to get additional help.
Your questions, answered
Am I too old for Student Finance?
There's no upper age limit for a Tuition Fee Loan. Many students start university in their 30s, 40s and beyond.
Will I have to pay Student Finance back straight away?
No. You only start repaying once you've finished your course and are earning above a set income threshold. Repayments are based on what you earn, not on how much you borrowed.
Will Student Finance affect my credit score?
Student loans don't appear on your credit file.
Can I still get Universal Credit while I study?
Most full-time students can't get Universal Credit, but there are exceptions, for example if you're responsible for a child or have certain health conditions or disabilities. If you can still claim, your Maintenance Loan is usually counted as income, which can reduce your payments, even if you choose not to take the loan. Your Tuition Fee Loan doesn't count as income. The rules are complex, so always speak to your work coach or Citizens Advice before you enrol, and tell Universal Credit when your course starts.
Who may be eligible?
Eligibility depends on things like your residency status, any previous university study and the course you choose. Every situation is different, which is why we help you understand the general rules before you apply.
How we help
We explain the process, help you understand the general eligibility rules and guide you through your application step by step.