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• Going back to uni or repeating a year

  If you're going back to university after studying previously or you're repeating a year, this can affect your student finance.

  • Updated: 14 August 2025
• Budgeting Loans

  Interest-free loans from the government for some people on benefits: how to apply, check if you're eligible

  • How they work

    A Budgeting Loan can help pay for: furniture or household items (for…

  • Check if you're eligible

    To get a Budgeting Loan you must have been getting one or more of these…

  • What you could get

    The lowest amount you can borrow is £100. You could get up to: £348 if…

  • Paying back the loan

    A Budgeting Loan is interest free so you only pay back what you borrow.…

  • Apply for a Budgeting Loan

    Check you’re eligible before you apply for a Budgeting Loan. You can apply…

  • After you apply

    After you apply you’ll be given a decision on your application. You need…

  • Other help you can get

    You may be able to get other kinds of support, including: help from your…

• Support for Mortgage Interest (SMI)

  Support for Mortgage Interest (SMI) helps homeowners on certain benefits pay interest on loans or mortgages - what you'll get, eligibility and how to claim.

  • Overview

    You may be able to get help towards interest payments on: the mortgage for…

  • What you'll get

    You’ll get help paying the interest on your mortgage or loan. Support for…

  • Eligibility

    To be eligible for a Support for Mortgage Interest (SMI) loan, you must…

  • How to apply

    When you apply for a qualifying benefit, you’ll be asked extra questions…

  • Repaying your loan

    You’ll need to repay your SMI loan as a lump sum with interest if you sell…

  • If your benefits stop

    You can still get financial help with your housing costs if your Income…

• Check how you can deal with your debts

  Find out what help you can get to help you manage your debts.
• MoneyHelper

  Free and impartial help with money and pensions.

  • Updated: 21 December 2017
• Manage deductions from your benefits to pay debts and bills

  Debts you owe (for example court fines, rent or Council Tax) can be deducted from your benefits – sometimes called third party deductions or Fuel Direct
• Tips at work

  Tips at work do not count towards the National Minimum Wage - tips and tax, what your employer has to do, advice and help, cash in hand payments
• Find out about money taken off your Universal Credit payment

  Help to understand debts and deductions taken from Universal Credit payments and who to contact about your debts and deductions if you're struggling financially.

  • Updated: 30 April 2025
• Universal Credit: money, savings and investments

  How Universal Credit is affected by having money, savings and investments. We call this ‘capital’.

  • Updated: 22 July 2025
• Financial help if you're disabled

  Financial help if you're disabled - benefits, housing costs, council tax, vehicle tax exemption, TV Licence, motability schemes, VAT relief