{"id":170753,"date":"2019-02-19T08:17:40","date_gmt":"2019-02-19T08:17:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=170753"},"modified":"2025-07-24T15:30:47","modified_gmt":"2025-07-24T14:30:47","slug":"student-finance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/student-finance","title":{"rendered":"How student loans work: Student finance explained"},"content":{"rendered":"<p>Starting university can be an incredibly exciting time but also quite daunting, especially when it comes to wondering about finances. <\/p><p>Student loans are designed to help you throughout your time of higher education by covering the costs of tuition fees and helping with the cost of living. Student finance also has reasonable repayment terms that won\u2019t harm your credit score.<\/p><h3>Overview<\/h3><p>Most people working towards an undergraduate or postgraduate will use a student loan to fund their studies. There are 2 main types of student finance:<\/p><ul class=\"list-10 has-margin-bottom\"><li><strong>Tuition fee loan<\/strong> \u2013 paid directly to your university to cover tuition fees. <\/li><li><strong>Maintenance loan<\/strong> \u2013 paid into your bank account to help cover the cost of living during your studies.<\/li><\/ul><p>There are separate student finance organisations for England, Wales, Scotland, Northern Ireland, Jersey, Guernsey and the Isle of Man. Each has separate criteria with regards to how much funding applicants are eligible for. <\/p><p>You can apply for finance directly to these bodies via their website. The body you apply to depends on your residency, not where you\u2019re studying.<\/p><p>Each body will set a deadline for applicants to ensure their funding arrives before the start of the academic year, although it\u2019s possible to apply for funding up to 9 months after your course starts.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"vd70D9pJjlM\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">7:43<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-vd70D9pJjlM\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>Am I eligible for student finance?<\/h3><p>To be eligible for student finance, you\u2019ll need to have been accepted to study one of the following qualifications:<\/p><ul><li>A first degree \u2013 for example, BA, BSc or BEd<\/li><li>A Foundation Degree<\/li><li>A Certificate of Higher Education<\/li><li>A Diploma of Higher Education (DipHE)<\/li><li>A Higher National Certificate (HNC)<\/li><li>A Higher National Diploma (HND)<\/li><li>An Initial Teacher Training course<\/li><li>An integrated master\u2019s degree<\/li><li>A pre-registration postgraduate healthcare course<\/li><li>A level 4 or 5 course with Higher Technical Qualification approval<\/li><li>If you\u2019re studying part-time, you could still be eligible for some funding, provided your \u201ccourse intensity\u201d is at 25% or higher.<\/li><\/ul><h4>If you\u2019ve studied before:<\/h4><p>You\u2019ll usually only receive funding for your first higher education course, even if your previous course was self-funded. You may still be eligible for limited funding in some circumstances and for certain courses. <\/p><p>The same applies if you\u2019re \u201ctopping up\u201d an HMC, HND or Foundation Degree into an Honours degree. Funding may also be available if you hold a higher education qualification and are looking to begin a part-time Honours degree in engineering, technology, computer science or healthcare.<\/p><p>For further clarification, get in touch with your chosen finance body. <\/p><h4>If I\u2019ve changed my course, can I get finance again?<\/h4><p>If you have stopped your course within your first year, you\u2019ll receive the same funding for the same or new course when you return. <\/p><p>You might also get funding if:<\/p><ul><li>You suspended your course or withdrew before it finished but are going back to study.<\/li><li>You\u2019re repeating a year of your course at the same university, college or institution.<\/li><\/ul><h4>UK citizens<\/h4><p>UK nationals or those with \u201csettled status\u201d, who have been living in the UK for at least 3 years, are eligible to apply. <\/p><h4>Non-UK citizens<\/h4><p>Non-UK citizens aged under 18 who have lived in the country for at least 7 years could also be eligible. Non-UK citizens over 18 can apply if they\u2019ve lived in the country for at least half of their life or more than 20 years. Some EU nationals and those in the UK under various refugee statuses may also be eligible to apply.<\/p><h3>Tuition fees: How much do they cost?<\/h3><p>These figures apply to those whose course starts on or after 1 August 2016.<\/p><p>If you successfully apply for student finance, you\u2019ll be granted 100% of your tuition fees per semester. That\u2019s up to <strong>\u00a39,250<\/strong> per year if you\u2019re studying in England, Scotland or Northern Ireland, up to <strong>\u00a39,000<\/strong> per year if you\u2019re studying in Wales.<\/p><p>Eligible Scottish students studying in Scotland pay <strong>no tuition fees<\/strong>. The costs are completely covered by the Student Awards Agency for Scotland (SAAS).<\/p><p>Northern Irish students studying in Northern Ireland will pay a maximum of <strong>\u00a34,630<\/strong> per year. Tuition fees across the UK vary for international students.<\/p><h3>Maintenance loans: How much do I get?<\/h3><p>Maintenance loans are transferred into your bank account in 3 segments per year before the start of each new term and aid with your cost of living. <\/p><p>To be eligible, you\u2019ll need to be studying for:<\/p><ul><li>A first degree \u2013 for example, BA, BSc or BEd<\/li><li>An Initial Teacher Training course (degree level or above)<\/li><li>An integrated master\u2019s degree<\/li><li>Some dental qualifications<\/li><\/ul><p>In most cases, you\u2019ll need to be living away from your hometown to qualify. The amount you get depends on your household income and where you\u2019re studying.<\/p><p><strong>For the 2022\/23 academic year:<\/strong><\/p><ul><li>If you\u2019re applying to <strong>Student Finance England<\/strong>, you\u2019ll receive up to <strong>\u00a39,706<\/strong> per year (or \u00a312,667 if studying in London).<\/li><li>If you\u2019re applying to the <strong>Student Awards Agency for Scotland<\/strong>, you\u2019ll receive up to <strong>\u00a36,000<\/strong> per year (if your household income is greater than \u00a334,000). If your household income is less than \u00a334,000, you\u2019ll have to fill out a form to find what you are eligible for.<\/li><li>If you\u2019re applying to <strong>Student Finance Wales<\/strong>, you\u2019ll receive up to <strong>\u00a310,710<\/strong> per year (or \u00a313,375 if studying in London). Some of this funding may come in the form of a non-repayable grant worth at least \u00a31,000 (or more for students from lower-income households).<\/li><li>If you\u2019re applying to <strong>Student Finance NI<\/strong>, you\u2019ll receive up to <strong>\u00a35,770<\/strong> (or \u00a36,780 if you\u2019re studying in London).<\/li><\/ul><p><strong>For 2023\/24 academic year:<\/strong><\/p><ul><li>If you\u2019re applying to <strong>Student Finance England<\/strong>, you\u2019ll receive up to <strong>\u00a39,978<\/strong> per year (or \u00a313,022 if studying in London).<\/li><li>If you\u2019re applying to the <strong>Student Awards Agency for Scotland<\/strong>, financial support available to undergraduate students will rise by \u00a3900 from the start of the 2023-24 academic year.<\/li><li>If you\u2019re applying to <strong>Student Finance Wales<\/strong>, all students will be eligible for the maximum loan of <strong>\u00a311,720<\/strong> if they live away from the parental home. Some of this funding may come in the form of a non-repayable grant worth at least \u00a31,000 (or more for students from lower-income households).<\/li><li>If you\u2019re applying to <strong>Student Finance NI<\/strong>, you\u2019ll receive up to <strong>\u00a36,776<\/strong> (or \u00a39,492 if you\u2019re studying in London).<\/li><\/ul><h3>Student loan repayment plans<\/h3><p>When you start to repay your student loan and how much you repay will depend on your repayment plan. Don\u2019t worry if you don\u2019t know your plan \u2013 you can find out below. <\/p><h4>If you applied to Student Finance England<\/h4><p><strong>1. If you\u2019re starting your course on or after 1 August 2023, you\u2019ll be on Plan 5 if:<\/strong><\/p><ul><li>You\u2019re studying an undergraduate course<\/li><li>You\u2019re studying a Postgraduate Certificate of Education (PGCE)<\/li><li>You take out an Advanced Learner Loan<\/li><\/ul><p>You\u2019ll only repay when your income is over \u00a3480 a week, \u00a32,083 a month or \u00a325,000 a year before tax.<\/p><p><strong>2. If you started your course between 1 September 2012 and 31 July 2023, you\u2019re on Plan 2 if:<\/strong><\/p><ul><li>You\u2019re studying an undergraduate course<\/li><li>You\u2019re studying a Postgraduate Certificate of Education (PGCE)<\/li><li>You take out an Advanced Learner Loan<\/li><li>You take out a Higher Education Short Course Loan<\/li><\/ul><p>You\u2019ll only repay when your income is over \u00a3524 a week, \u00a32,274 a month or \u00a327,295 a year before tax.<\/p><p><strong>3. If you started your course before 1 September 2012, you\u2019re on Plan 1. <\/strong><\/p><p>You\u2019ll only repay when your income is over \u00a3423 a week, \u00a31,834 a month or \u00a322,015 a year (before tax and other deductions).<\/p><p><strong>4. If you have a postgraduate master\u2019s or doctoral degree, you\u2019ll be on a Postgraduate Loan plan.<\/strong><\/p><p>If you took out a Master\u2019s Loan or a Doctoral Loan, you\u2019ll only repay when your income is over \u00a3403 a week, \u00a31,750 a month or \u00a321,000 a year before tax. <\/p><h4>If you applied to Student Finance Wales<\/h4><p><strong>1. If you started your course on or after 1 September 2012, you\u2019re on Plan 2 if:<\/strong><\/p><ul><li>You studied an undergraduate course of a Postgraduate Certificate of Education (PGCE)<\/li><li>A Postgraduate Loan plan if you studied a postgraduate master\u2019s or doctoral course<\/li><\/ul><p>You\u2019ll only repay when your income is over \u00a3524 a week, \u00a32,274 a month or \u00a327,295 a year before tax.<\/p><p><strong>If you started your course before 1 September 2012, you\u2019re on Plan 1.<\/strong> You\u2019ll only repay when your income is over \u00a3423 a week, \u00a31,834 a month or \u00a322,015 a year (before tax and other deductions).<\/p><h4>If you applied to Student Awards Agency Scotland<\/h4><p>You\u2019re on Plan 4 whether you\u2019ve studied an undergraduate or postgraduate course. You\u2019ll only repay when your income is over \u00a3532 a week, \u00a32,305 a month or \u00a327,660 a year before tax.<\/p><h4>If you\u2019ve applied to Student Finance Northern Ireland<\/h4><p>You\u2019re on Plan 1 whether you\u2019ve studied an undergraduate or postgraduate course. You\u2019ll only repay when your income is over \u00a3423 a week, \u00a31,834 a month or \u00a322,015 a year before tax.<\/p><h4>How do I pay back my student loan?<\/h4><p>Student loan repayments are deducted automatically via PAYE, or self-assessment if you\u2019re self-employed. If you\u2019re earning less than these thresholds, you\u2019ll make no repayments. If the loan isn\u2019t fully repaid after 30 years, it\u2019ll be written off. (For Plan 1 loans, it might be written off after 25 years, or when you turn 50, depending on the start date of your course).<\/p><h3>Understanding interest on student loans<\/h3><p>The amount of interest you\u2019ll be or are charged depends on your plan. <\/p><p>Currently, the interest rates are:<\/p><ul><li>5.25% if you\u2019re on Plan 1<\/li><li>6.9% if you\u2019re on Plan 2<\/li><li>5.25% if you\u2019re on Plan 4<\/li><li>6.9% if you\u2019re on a Postgraduate Loan plan<\/li><li>For Plan 5, the interest rate will be based on the Retail Price Index<\/li><\/ul><p>The interest rate is calculated and will change in September of every year. It won\u2019t change the amount you pay back per year, only the amount of time it takes to clear the debt.<\/p><h3>Other sources of student finance<\/h3><ul class=\"list-10\"><li><strong>Student bank accounts.<\/strong> Bank accounts tend to come with huge overdrafts (up to \u00a33,000), which usually remain interest-free until at least a year after graduation.<br><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\"><strong>Student bank accounts<\/strong><\/a><\/li><li><strong>Student credit cards.<\/strong> Used carefully, these cards can provide a useful buffer \u2013 if you clear your balance in full each month, you usually won\u2019t pay any interest on your purchases. However, if you carry a balance from month to month, they\u2019re not a cheap way to borrow.<br><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/student-credit-cards\"><strong>Student credit cards<\/strong><\/a><\/li><li><strong>Student personal loans.<\/strong> Some loan companies market themselves exclusively to students, although the terms are similar to any type of personal loan.<br><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-students\"><strong>Personal loans for students<\/strong><\/a><\/li><\/ul><h3>Frequently asked questions about student finance<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Will I ever pay back my student loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It\u2019s common for student loans to be written off because students took too long to pay them back. After all, if you\u2019re earning less than the threshold for repayment, you won\u2019t need to repay a penny that year. This is a key reason why it\u2019s often recommended not to overpay on your student loan.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What if I'm unemployed?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you don\u2019t reach the minimum threshold for repayments, for whatever reason, you won\u2019t need to make any repayments on your student loan. Interest will continue to be charged, though.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">I'm a non-UK student \u2013 can I get a loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It\u2019s complicated. <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-migrants-and-foreign-students\">Our guide<\/a> provides more information. <\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover whether you&#8217;re eligible for student finance, how much money you might get and how the repayments work with our ultimate guide to student finance. <\/p>\n","protected":false},"author":1299,"featured_media":171182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[2560,3794,3797,2307,3672],"asset_tag":[],"class_list":["post-170753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-latest-2","tag-student-finance","tag-student-latest-3","tag-student-loans","tag-student-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Student finance and student loans explained | Finder UK<\/title>\n<meta name=\"description\" content=\"Discover whether you&#039;re eligible for student finance, how much money you might get and how the repayments work with our ultimate guide to student finance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/student-finance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How student loans work: Student finance explained\" \/>\n<meta property=\"og:description\" content=\"Discover whether you&#039;re eligible for student finance, how much money you might get and how the repayments work with our 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