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2013 Entry financial support

The final details of student support are not yet available – but some key facts have been published by the Government which are given below.  We will keep these pages up to date with new information as it comes through and information is also available at

What support can I get?

Full time students may be entitled to a grant of up to £3,354 towards living costs such as food, accommodation and travel. Students from families with incomes up to £42,600 will be entitled to a partial grant.

Loans for living costs are available for all eligible full-time students.

From 2012, loans for tuition fees will be extended to eligible part-time first-degree students who complete a minimum of 25% of the full time course load per year. Part-time students are not eligible for maintenance loans or grants.

Students from lower income families will be able to benefit from a new £150m National Scholarships Programme. The details are yet to be finalised – universities will be able to provide further information once they are known.

What about repaying my loans?

You will only start to repay your tuition and maintenance loan after you have left higher education and your annual income is at least £21,000.

You will only start repaying in the April after you leave higher education, even if you already earn over £21,000.

Repayments will be 9% of income above £21,000, so the amount repaid each month will depend on what you earn. 

For example someone earning £21,500 – currently the salary of a newly-qualified teacher – would initially make repayments of just £4 per month. 

If you earn £24,000 per year the repayment would be £23 a month

If you earn £25,000 per year the repayment would be £30 a month

If you earn £27,000 per year the repayment would be £45 a month

And if you earn £30,000 per year it would be £68 a month

These amounts will be deducted automatically from your pay through the tax system if you're in employment, and if for any reason your income falls below £21,000 your repayments will be suspended. Separate arrangements will be made if you are self-employed, move overseas or are retired.

What's more, there will be no charge for graduates repaying their loan early.

What are the details of the repayment scheme?

The £21,000 threshold will increase in line with earnings from 2016 onwards.

All outstanding repayments will be written off after 30 years.

Interest on your loan will be charged at inflation plus 3% while you are studying, and up until the April after you leave university.

From the April after you leave university if your annual income is below £21,000, interest will be applied at the rate of inflation.

Graduates with an annual income of between £21,000 and £41,000 will be charged interest on a sliding scale up to a maximum of inflation plus 3%.

Graduates with an annual income of above £41,000 will be charged interest at the full rate of inflation plus 3%.

How do I apply for my loan?

Create an online account with Student Finance England to apply for your funding. If you're a part-time student you can apply for student finance by downloading and completing the part-time application form from the website.

Student finance at a glance

Use the Student Finance Sifter tool below to find out more about your student finance options.

Last updated Thursday 25 October 2012
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