If you live in England, and are applying to university in the UK, you can apply for help with tuition fees and living expenses. Read our sections below for the latest advice.

You may also be interested to read the latest guidance from the Student Loans Company, which advises how to access the maximum student finance support that is available to you.

If you live in England and are applying to university in the UK you may be able to borrow money to cover the cost of your tuition fees.

How much can I borrow?

You can borrow up to £9,250 for each year of full-time study and, if you are studying part-time, you can borrow up to £6,935. If you are doing an accelerated degree you can apply for up to £11,100.

This money will be paid directly to the university or college.

If you are an EU student, Irish citizen or UK national living in the EEA or Switzerland, please check the UKCISA explanation of the fees regulations and guidance for England.

How to find out more about tuition fee loans

Find out more on the GOV.UK website for information on tuition fee loans for full time and part time students.

For information about how to apply for student finance, see our ‘applying for student finance’ section below.

Tuition fees for Higher Technical Qualifications (HTQs)

Tuition fees for HTQs vary depending on the course. They’re likely to cost from around £7,000 to £9,250 a year for a 1 or 2-year course. Student Loans may be available, depending upon the type of HTQ you are applying for.

Additional information

The government has committed to provide an alternative student finance product for those people who feel unable to use existing student loans for university or college due to their faith or conscience. They are working with the Islamic Finance Council UK to make sure that the alternative student finance system is compliant with Sharia law. Please read further details in their ‘alternative finance’ policy paper.

For new applicants

Applications for full-time and part-time undergraduate students for 2024/2025 are now open. New students should apply before 17 May 2024 to ensure that funding is in place for the start of your course.

Applications for part-time undergraduate students for 2024/25 are also open. Try to apply as soon as you can to ensure that the funding is in place for the start of your course.

You can apply for student finance by creating an online account with Student Finance England (SFE).

Applications for postgraduate student finance are expected to open at the end of June.

The latest SFE application guidance provides details of how to apply and their Student Finance Explained (2024-25) video tells you about the financial help available while at university or college. Student Finance England have also created a toolkit and an application timeline to support you through the application process.

If you apply for a higher amount of student finance based on your household income, make sure to ask your parents or partner to provide their financial information as soon as possible to avoid delays to your application.

It usually takes 6 to 8 weeks to process an application, and there’s no need to call SFE for an update while they do this. While you’re waiting for an update, keep checking your online account in case they need more information or evidence from you to progress your application. It’s quick and easy to use your online account. Watch SFE’s ‘How to’ films for step-by-step tutorials.

For current students

If you are currently a student, don’t forget to reapply for student finance for each year of your course. Applications for continuing full-time undergraduate students are now open and you should re-apply by 21 June 2024.

If you have applied for student finance, see guidance from the Student Loans Company on how to check the status of your application.

If you're expecting a payment in this academic year and need advice or support, SFE have released a video detailing how to check your payment schedule and payment schedule guidance.

If you’re applying late, see the guidance for late applications for student finance.

More information

If you have a query or problem that you need help with, SFE has created a guide with answers to the most common questions that students are currently asking them.

You will need a bank account to apply for student finance. There are a number of student bank accounts that offer a range of incentives.

For more information visit MoneySavingExpert - student bank accounts.

If you are a teacher, advisor or practitioner, you can find information and resources on Student Finance England for practitioners to support students to understand the financial help available, based in England.

For general information on student finance, see the Gov.uk student finance guide.

For further updates, you can follow Student Finance England on Facebook, Twitter, Instagram and YouTube.

Student Finance England (SFE) provide a Maintenance Loan to help you with your living costs. All eligible students qualify for a non-income assessed minimum amount of Maintenance Loan to help with these costs.

How much can I borrow?

The government guide, "Understanding living costs while studying at university or college", provides information for students about what living cost funding is available (including student finance) for those living in England.

How to find out more about maintenance loans

The government website, gov.uk, has detailed information about maintenance loans.

You will need to pay back your Tuition Fee Loan and Maintenance Loan. You do not need to pay back other student finance, for example grants and bursaries, unless you’ve been paid too much.

You’ll only start repaying when your income is over the threshold amount for your repayment plan. The threshold amounts change on 6 April every year.

The earliest you’ll start repaying is either:

  • the April after you leave your course
  • the April 4 years after the course started, if you’re studying part-time

Your repayments automatically stop if either:

  • you stop working
  • your income goes below the threshold

Interest starts being added to your loan from when you get your first payment. The amount of interest depends on the plan which you are on. See the Government guidance on interest rates for further information.

When you start repaying your loan and how much you repay depends on your repayment plan. See repaying your student loan for further information.

Repayment plan for students starting university or college from August 2023

The Department for Education has produced a set of resources explaining how student loans work for repayment plan 5. These are for students living in England and starting an undergraduate course from August 2023 onwards. Watch the official DFE video for guidance and see the below resources for further information:

You don’t need to pay back a bursary, grant or scholarship.

Scholarships are often given to those who do very well academically, or excel in areas like music or sport.

Bursaries and grants are usually awarded to students based on their personal circumstances. This could be having a low income or being from a background where fewer people go to uni.

There are special bursaries available for students studying teacher training or social work.

GOV.UK teacher training funding

NHS Business Services Authority - social work students

How to find out more about bursaries and scholarships

University and college websites will have information about bursaries and scholarships they provide. They will tell you what criteria you need to meet. If you’re not sure if you’re eligible then you can contact them.

You can find links to bursary and scholarship information on our course pages.

There is extra help available for:

  • Care leavers or students who are estranged from their parents
  • Students who have dependent children, or who are caring for an adult
  • Disabled students
  • Students who have a low household income.

Fee waivers

A fee waiver is when a university or college pays part, and sometimes all, of a student’s tuition fees. This means you will need to borrow less money.

This option might be offered to you if you have a low household income or are a care leaver.

Disabled students

If you have a disability or additional needs, you may be able to get Disabled Students’ Allowances (DSA) to cover any extra study costs. This can include mental health conditions, epilepsy or dyslexia.

You will need to be assessed or provide evidence, but there’s money available to pay for:

  • specialist equipment or software
  • a non-medical helper
  • other things that help your studies such as travel, books, or printing.

Disabled Students’ Allowances do not depend on your household income and do not need to be paid back.

GOV.UK has more information about eligibility and maximum amounts for DSA.

Disability Rights UK has factsheets about DSA and other useful information.

Applying for Disabled Students Allowance (DSA)

When applying for your student finance, make sure you tick the box to say you want to apply for DSA. Once you’ve submitted your student finance application, you’ll need to complete a separate application for DSA which you will find in your ‘to do’ list on your online account.

The quickest and easiest way to apply for DSA is online but you can also complete it on a paper form too.

See the GOV.UK DSA guidance for further information on how to complete your application.

Care leavers

Care leavers are entitled to a maximum maintenance loan and there is help from other sources available specifically for care leavers.

SFE have published new guidance to support care leavers applying for student finance.

Higher Education Bursary

This is a bursary of £2,000 paid by your local authority. It’s usually paid in instalments over the duration of the course. However, local authorities also have their own care leavers pledge, which differs from county to county. Speak to your social worker, leaving care worker or personal assistant who will be able to advise you.

Leaving Care Grant

This is a grant paid by your local authority when you leave care to help you with the costs of setting up home, including things you need when you go to university. Government guidance says it should be at least £2,000.


There are charities and foundations that can provide support.

Propel has been set up by Become, the charity for children in care and young care leavers and has a wealth of information around financial support across the UK.

The Unite Foundation works in partnership with 27 universities across the UK and offers bursaries and scholarships. You will need to apply for these and they are not guaranteed.

Apprenticeship bursary

Care leavers (up to the age of 24) who choose to start an apprenticeship will receive a £1,000 bursary to help with the transition to the workplace.

University or college bursaries

Universities and colleges usually have grants and bursaries for care experienced students. These may include:

  • fee waivers
  • fee reductions
  • reduced accommodation fees
  • bursaries.

You can check what you may be entitled to with your chosen university or college.

Estranged students

If you are estranged from your family, your parents’ income is not taken into account for student finance. You can also sometimes get extra help from other sources. SFE has published guidance to support students who are estranged from their parents in applying for student finance.

StandAlone is a charity that offers extra support for young people (18–25 year old for student finance) who become estranged from their family.

Students caring for children or for an adult

You may be able to get help in the form of a grant. This does not have to be paid back and is on top of other student finance.

Childcare Grant (full-time students only)

Parents’ Learning Allowance (full-time students only)

Adult Dependants’ Grant (full-time students only)

Child Tax Credit

Students experiencing financial hardship

Your university or college may give you extra money if you’re experiencing financial hardship. They will decide if you’re eligible and how much you will get. Check with them to see if you can apply.

Working while studying

Working while studying can help. You can work part-time while studying, as well as working during summer holidays.

Degree apprenticeships

If you do a degree apprenticeship, you will work alongside studying and be paid for it. Your employer will also pay your tuition fees.

Find out more about degree apprenticeships.


You may be receiving larger amounts of money than you are used to managing. It’s important to budget so that you can make it last.

You can find advice on budgeting at:


Save The Student

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