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2 SECTION 1 WHAT SUPPORT CAN YOU GET? FEES, LOANS, GRANTS & MORE *Fgures shown n ths secton are based on the 2015/16 student fnance polcy and may change

3 SECTION 1 TUITION FEES AND LOANS AN OVERVIEW Wth tuton fees of up to 9,000, how can you afford to go to un? Elgble students won t have to pay any tuton fees up front.* A Tuton Fee Loan s avalable to cover the fee charged by a unversty or college.* A Tuton Fee Loan doesn t depend on household ncome. SFE pay the Tuton Fee Loan drectly to your unversty or college. The loan s repayable, but only when your ncome s over 21,000. *Up to 9,000 for full-tme courses at a publcly funded un or college or up to 6,000 for approved courses at prvate provders.

4 SECTION 1 MAINTENANCE SUPPORT AN OVERVIEW Mantenance support s avalable to help wth your lvng costs whle n hgher educaton. There are two man types of support, Mantenance Loan (that you pay back) and Mantenance Grant (that you don t). All elgble students are enttled to get some Mantenance support.* The amount of Mantenance Loan you can get depends on where you lve and study. Mantenance support s pad drectly nto your bank account each term. *Most of the Mantenance Loan avalable to you s not lnked to household ncome. (65% s non means tested)

5 SECTION 1 MAINTENANCE LOAN MAXIMUM LEVELS FOR 2015/16 Parental home Lve at home whle you study Up to 4,565 Elsewhere Lve away from home & study outsde London Up to 5,740 London Lve away from home & study n London Up to 8,009 If studyng overseas as part of a UK course, Mantenance Loan support s stll avalable; up to 6,820 for 2015/16.

6 SECTION 1 MAINTENANCE LOAN MAXIMUM LEVELS 2015/16 Full-Year Student* 65% Non Means Tested 35% Means Tested Maxmum Loan Parental Home 2,967 1,598 4,565 Elsewhere 3,731 2,009 5,740 London 5,205 2,804 8,009 Overseas 4,433 2,387 6,820 *Lower rates are avalable to fnal year students 2015/16 Addtonal loan may be avalable for any extra weeks of study f a course goes beyond 30 weeks n an academc year

7 SECTION 1 MAINTENANCE GRANT SUPPORT AND MEANS TESTING The Mantenance Grant doesn t have to be repad. How much grant you can get depends on your household ncome. Household ncome: up to 25,000 Full grant: 3,387 Household ncome: up to 42,620 Partal grant: (Mn 50) You can get an estmate of your student fnance enttlement usng the calculator on: gov.uk/studentfnance

8 SECTION 1 EXTRA SUPPORT BURSARIES AND SCHOLARSHIPS Many unverstes and colleges offer fnancal support to ther students through bursares and scholarshps: Bursares: lnked to personal crcumstances and often, household ncome awards can nclude dscounted tuton fees, accommodaton or cash Scholarshps: lnked to academc results or ablty n an area such as sport or musc can be subject specfc and are usually lmted n numbers Check unversty/college webstes and ask at open days to see what they offer and how/when to apply...don t mss out!!

9 SECTION 1 EXTRA SUPPORT DEPENDANTS, DISABILITIES AND NHS BURSARIES Other fnancal help and support may also be avalable f you: have chldren or an adult dependent on you have a dsablty, ncludng a mental-health condton or specfc learnng dffculty Study an NHS or Socal Work course NHS courses nclude: nursng, mdwfery, physotherapy, speech and language therapy, detetcs, radography, the later stages of medcne and dentstry For more nformaton on elgblty and applcatons for NHS support go to:

10 SECTION 2 HOW DO YOU GET IT? APPLICATIONS & INFORMATION 2015/16

11 SECTION 2 STUDENT FINANCE APPLICATIONS KEY MESSAGE APPLY EARLY Each year thousands of students apply late for ther fnance and have no way to pay for ther course or accommodaton, some even have to drop out...don t let that be you! Apply onlne at gov.uk/studentfnance* Apply early to make sure your student fnance s ready for the start of your course. You don t need a confrmed place at unversty or college to apply. Apply wth your preferred choce, you can change detals later f requred. *The applcaton wndow s usually open from Jan-May. You can regster on UCAS for updates and nformaton from SFE.

12 SECTION 2 GOV.UK FOR MORE INFORMATION AND TO APPLY

13 SECTION 2 SFE ONLINE FOR MORE INFORMATION AND RESOURCES

14 SECTION 3 HOW DO YOU REPAY IT? STUDENT LOAN REPAYMENTS 2015/16

15 SECTION 3 STUDENT LOAN REPAYMENTS AN OVERVIEW You won t make repayments untl your ncome s over 21,000 a year. If you study a full-tme course, you wll be due to start repayng n the Aprl after graduatng or leavng hgher educaton. You ll repay 9% of your ncome over 21,000 and f you re employed deductons wll be made from your pay through the HMRC tax system.* If your ncome falls to 21,000 or below your repayments wll stop. Any outstandng loan balance wll be wrtten off 30 years after enterng repayment. *If you move/work overseas you wll repay 9% of your earnngs over the repayment threshold for the country you are lvng n.

16 SECTION 3 STUDENT LOAN REPAYMENTS THE FIGURES Income each year before tax 9% wll be deducted from Monthly repayment (Approx) 21, ,000 9, ,000 19, ,000 29, ,000 39, Income 25,000 9% Deducted 4,000 from? Monthly Repayment? 30 Interest s appled to your loan at a maxmum rate of RPI +3% More nfo can be found on:

17 SECTION 4 NOW IT S YOUR TURN!! KEY POINTS TO REMEMBER We hope you wll take away and remember a few of the key ponts from Research ALL the SUPPORT avalable to you ths sesson... Make THE RIGHT un/college choce #2 Apply ONLINE & ON TIME You DON T need to WAIT for confrmed offers Not untl you earn OVER 21,000 a year Based on WHAT YOU EARN not what you owe

18 NEED MORE INFORMATION? REMEMBER SFE IS ONLINE For further nformaton on student fnance and applcatons go to: For a range of helpful tools and gudance, vst our dedcated student fnance zone:

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