Student finance

1. Overview

You may be able to borrow money to help pay for university or college tuition fees and to help with living costs.

You might get extra money on top of this, for example if you’re on a low income, are disabled or have children.

Before you apply

You start repaying once you earn over a certain amount. The size of your monthly repayments will depend on how much you earn, not what you owe.

You’ll be charged interest on the loan from the day you take it out. The terms and conditions can change.

The rules are different if your course started before September 2012.

How to apply

Find out how to apply for student finance.

If you’re under 25, you might be able to apply as an ‘estranged student’ if you either:

  • have no contact with your parents
  • support yourself

There’s a different process if you’re a student from Scotland, Wales, or Northern Ireland. Contact the education authority if you live in the Channel Islands (Jersey and Guernsey) or Isle of Man.