1 sound advice on STUDENT FINANCE Student finance new full-time students 2016/17 SFW/FSHE/V16
2 What is Student Finance Wales? Student Finance Wales is a service provided by the Student Loans Company. We provide financial support on behalf of the Welsh Government to students from Wales entering higher education in the UK. Depending on your circumstances, your course and where you study, you may be able to get a range of financial help and support. And most students won t have to pay any tuition fees up front. You could get grants and bursaries (which you don t have to pay back) and loans (which you do). There s also extra help for those with special circumstances for example, if you have children or adult dependants, a disability, including a mental-health condition or a specific learning difficulty such as dyslexia or dyspraxia. For more useful tools and guidance or to apply, visit: Find regular updates on Facebook, Twitter and YouTube: Facebook.com/SFWales Twitter.com/SF_Wales youtube.com/sfwfilm 2
3 Section 1 What can I get? Page 4 Section 2 Do I qualify? Page 14 Section 3 How and when do I apply? Page 16 Section 4 How do I get paid? Page 18 Section 5 What about repayments? Page 19 Section 6 Further information Page 21 3
4 section 1 WHAT CAN I GET? There s a lot of help available to you while you re studying. While at university or college you ll have two main costs tuition fees and living costs. The main types of student finance are Tuition Fee Loans and Maintenance Loans (which have to be paid back) and grants and bursaries (which don t). This includes the Fee Grant for full-time students. The following pages show what help you might be able to get and what it s for. 4
5 Help with tuition fees Tuition Fee Loan What s it for? How much can I get? Up to 3,900. Do I have to pay it back? Anything else? It helps pay the tuition fees charged by your university or college. Yes, but only when you ve left university or college and your income is over 21,000 a year. Tuition fees can vary between different universities and colleges, and between different courses at the same university or college. There may also be different fees in place in England, Scotland and Northern Ireland. Check with your university or college to confirm the tuition fee you ll be charged so you can ask for the right amount when you apply. We pay your Tuition Fee Loan directly to your university or college on your behalf. You ll have to repay any percentage of the Tuition Fee Loan we ve paid to your university or college from the first day of term, even if you leave or suspend your course. 5
6 Fee Grant What s it for? How much can I get? Up to 5,100. Do I have to pay it back? Anything else? It helps pay your tuition fees. The Fee Grant covers the difference between the maximum Tuition Fee Loan available and the tuition fee charged by your university or college. No. We pay your Fee Grant directly to your university or college on your behalf. You can t get a Fee Grant if you study at a private university or college. When your Tuition Fee Loan and Fee Grant are paid When payment is made to your university or college At the start of term 1 At the start of term 2 At the start of term 3 How much of your Tuition Fee Loan and Fee Grant is paid to your university or college 25% of the tuition fee 25% of the tuition fee 50% of the tuition fee 6
7 Help with living costs Maintenance Loan What s it for? How much can I get? It helps with living costs like food, books, rent and other expenses while you re studying. The amount you can get depends on your household income and where you re studying. Living with parents Up to 4,786 Studying in London and not living with parents Studying elsewhere and not living with parents Living and studying abroad for at least one term Up to 8,662 Up to 6,183 Up to 7,372 Do I have to pay it back? Anything else? Yes, but only when you ve left university or college and your income is over 21,000 a year. We ll reduce the amount of Maintenance Loan you can get by 50p for every 1 of Welsh Government Learning Grant you get, up to a maximum reduction of 2,580. We pay your Maintenance Loan straight into your bank account, usually in three instalments, one at the start of each term. You must be aged under 60 at the start of your course to get a Maintenance Loan. 7
8 Welsh Government Learning Grant What s it for? How much can I get? It helps with living costs like food, books, rent and other expenses while you re studying. You could get up to 5,161 depending on your household income. The table below gives a rough guide to what you can get. Household income How much? 18,370 or less Full grant of 5,161 Between 18,371 and 50,020 Partial grant 50, More than 50,020 No grant Do I have to pay it back? Anything else? No, unless you leave your course early. We usually pay your Welsh Government Learning Grant in three instalments; one at the start of each term, along with any Maintenance Loan. You can find out more about how your household income affects your entitlement at: 8
9 Special Support Grant The Special Support Grant replaces the Welsh Government Learning Grant for some students in certain circumstances. What s it for? It helps with extra course-related costs such as books, equipment, travel or childcare. You may get a Special Support Grant if any of the following apply: you re a single parent, or single foster parent with a child or young person under 20 who is in full-time education below higher-education level or on an approved training course; you have a partner who is also a student and one or both of you are supporting a child or young person under 20 who is in full-time education below higher-education level or on an approved training course; you have a disability and qualify for Disability Living Allowance, Disability Premium or Severe Disability Premium; you re deaf and qualify for Disabled Students Allowances; a doctor has confirmed that you ve been unable to work for a continuous period of at least 28 weeks; you have a disability and qualify for income-related Employment and Support Allowance; you re waiting to go back to a course after taking agreed time off from that course due to an illness or caring responsibility that has now ended; you re aged 60 or over; you re able to get housing benefit or the housing element of Universal Credit; you re able to get a Personal Independence Payment; or you re able to get Armed Forces Independence Payment. 9
10 Special Support Grant continued How much can I get? Do I have to pay it back? Anything else? You could get up to 5,161 depending on your household income. No, unless you leave your course early. If you can get a Special Support Grant, you won t be able to get a Welsh Government Learning Grant as well. However, it won t affect the amount of Maintenance Loan you may get. We work out entitlement to Special Support Grant in the same way as the Welsh Government Learning Grant. Jobcentre Plus and your local authority s benefit department won t take account of Special Support Grant when working out your entitlement to state benefits. If you re not sure whether to apply for the Welsh Government Learning Grant or Special Support Grant, contact us for advice or talk to the student adviser at your university or college. 10
11 Extra help What can I get? What s it for? Do I have to pay it back? Find out more Disabled Students Allowances (DSAs) It helps with extra costs you have as a result of a disability, including a mental-health condition or specific learning difficulty. Disabled Students Allowances can help pay for specialist equipment, a non-medical helper, travel or other extra costs. They don t depend on your household income. How much you ll get depends on your individual needs. No, unless you leave your course early. For more information, download Extra help Disabled Students Allowances at: Childcare Grant (CCG) It helps with childcare costs if you have dependent children aged under 15 (or 17 if they have special educational needs) in registered or approved childcare. You can get 85% of childcare costs, up to a maximum of a week for one child or a week for two or more children. No, unless you leave your course early. For more information, download the guide Extra help Dependants Grants at: Parents Learning Allowance Adult Dependants Grant (ADG) It helps with course-related costs if you have dependent children. You can get up to 1,557 a year, depending on your household income. It helps with costs if an adult depends on you financially. You can get up to 2,732 a year, depending on your household income. No, unless you leave your course early. No, unless you leave your course early. For more information, download the guide Extra help Dependants Grants at: For more information, download the guide Extra help Dependants Grants at: 11
12 Extra help continued What can I get? What s it for? Do I have to pay it back? Find out more Travel Grant It helps with travel costs if you re attending a clinical placement in the UK or studying abroad as part of your course. It covers reasonable costs spent on travel expenses during the academic year. You have to pay the first 303 of your travel costs, but depending on your household income you can claim back anything you spend over this amount. No For more information on the Travel Grant, see our website: Bursaries and scholarships You may get help from bursaries or scholarships from your university or college. No, unless you leave your course early. Check the university or college website for details. 12
13 ESTIMATE YOUR STUDENT FINANCE You can get a personalised estimate online by using our student finance calculator. You ll need to provide some information about yourself, your course and your household income. You can get estimates for up to five different universities, colleges or courses to let you compare costs and work out the best choice for you financially. Once you ve used the calculator, you can: transfer the information from the calculator to your online application to save you time and effort save your estimate so you can go back to it later the estimate to yourself To use the calculator, visit: 13
14 section 2 DO I QUALIFY? Whether you qualify for student finance depends on: your personal eligibility; your course; and your university or college. Personal eligibility Where you live You can only apply if: you re a UK national or have settled status (this means you have no restrictions on how long you can stay in the UK); you normally live in Wales on the first day of the first academic year of your course; and you ve been living in the UK for at least three years before starting your course. If you don t meet the conditions above, you may also be eligible if you are: an EU national, or a relative of one; a refugee, or a relative of one; under humanitarian protection (as a result of a failed application for asylum); granted Discretionary Leave to remain in the UK, or a relative of someone granted Discretionary Leave to remain in the UK; an EEA/Swiss migrant worker, or a relative of one; the child of a Swiss national; or the child of a Turkish worker in the UK. 14
15 Your age To qualify for a Maintenance Loan you must be under 60 when you start your course. There s no upper age limit for grants or Tuition Fee Loans. Previous study You d normally get student finance for the length of your course plus one year. Any previous study, including years you started but didn t complete, will be taken into account when we re working out how many years of your new course you can get student finance for. If you didn t apply for student finance for your previous course, or your household income was too high for you to get finance, this will still count as previous study. If you left a course for compelling personal reasons such as illness or bereavement, the year you left might not be counted as previous study. You should send us evidence, for example a letter from your doctor to show why you left your course. Your course Your course should lead to a recognised designated higher-education qualification such as: first degree (for example, BA, BSc or BEd) some Foundation Degrees, such as Fda, FdSc or FdEng Certificate of Higher Education (CertHE) Diploma of Higher Education (DipHE) Higher National Certificate (HNC) Higher National Diploma (HND) some Initial Teacher Training (ITT) courses, for example a Postgraduate Certificate in Education (PGCE) If you re not sure whether your course qualifies for student finance, check with your university or college. Your university or college The university or college you plan to study at must be either: publicly funded (paid for by the government) and in the UK; or privately funded and in the UK but running individual courses that get public funding from the Welsh Government. If you re not sure whether your university or college qualifies, check with them directly. For more information on whether you qualify for student finance, visit: 15
16 section 3 HOW AND WHEN DO I APPLY? 16 You don t have to wait until you ve accepted a place on a course to apply for student finance. Just create your student finance account and apply using your first choice of course. You can change your course or university details online before the start of your course. Apply online at as soon as the application service opens and have everything in place at the start of your course. If you re only applying for the Tuition Fee Loan and the basic Maintenance Loan (the bits that don t depend on your household income), you can complete your application without your parents or partner giving any details. If you re applying for finance that depends on your household income, we ll ask your parents or partner to give us some information about themselves and their income. They can log on and fill in their part separately. Remember, your application isn t complete and can t be assessed until we have all the information we need. Before you start your online application, make sure you have the following to hand: your passport details of your university and course your bank details your National Insurance number your parents or partner s details, including their National Insurance number and income You don t need to send us your passport! Provide your valid UK passport details when you apply and we ll check your identity. You need to fill in and send us your application for student finance before 13 May 2016 to make sure you have your money when you start your course. If you apply after this date, you might not get all your money on time but we ll try to make an initial assessment so you have some money as close to the start of your course as possible. If any of your details change after you ve applied for student finance, don t worry it s easy to update your application. At any point during the academic year you can: log into your student finance account and make changes to your personal details advise us of any other change in your circumstances contact us to adjust the amount of Maintenance Loan or Tuition Fee Loan you wish to receive If the fee you re being charged changes before you start your course you should tell us about this directly. However, if it changes after your course starts, you need to ask your university or college to tell us about it instead. Likewise, if you intend to change your course, repeat a year, leave higher education or suspend your studies after your course has started, you need to ask your university or college to tell us. We don t normally need evidence of your household income when you first apply. However, we may contact you at a later date and ask you to send us evidence to support your application. Remember to print your student declaration form, sign and return it to us.
17 EVIDENCE YOU MAY NEED TO PROVIDE In most cases, you can easily provide the evidence we need by filling in the details we ask for on the application. By providing your valid UK passport details and your parents or partner s National Insurance numbers we can automatically check your identity and household income and process your application as quickly as possible. However, in certain situations you, or your parents or partner, may have to send us evidence such as a non-uk passport, a birth certificate or a P60. Once you ve filled in your online application you ll see a list of any evidence you need to send. Remember to send this straight away. If you don t, your student finance might be delayed and you might not be paid on time. Any identity evidence we ask for should be originals, not photocopies. You don t need to send any financial evidence up front. If we do ask you for evidence of your household income you can send us photocopies and these will be securely destroyed once we ve checked them. TOP TIP Remember to include your customer reference number with anything you send us. 17
18 section 4 HOW DO I GET PAID? 18 TOP TIP Remember to register at your university or college we can t pay you until you do! TOP TIP Beware of fraudulent s from anyone claiming to be us. We ll never ask you to update your bank details or confirm your student account details by . If you get an asking you to follow a link to the Student Finance Wales website, send it to: Do not reply to the or click on the link. STARTING UNIVERSITY OR COLLEGE You have to register at your university or college before we can make your first payment. You ll usually do this in the first week of your course and you may have to take along your Student Finance Entitlement letter, so make sure you keep this safe. Your university or college will let us know that you ve registered and we ll make your first payment. You don t need to do anything else. It can then take two to three working days for the money to reach your account. We ll pay any Welsh Government Learning Grant or Maintenance Loan you re entitled to into your bank account. We ll pay your Tuition Fee Loan and Fee Grant directly to your university or college. GET YOUR STUDENT FINANCE ENTITLEMENT LETTER Once we ve assessed your application, we ll send you a Student Finance Entitlement letter showing what student finance you can get. You should keep this letter as you might have to show it to your university or college when you register. RE-APPLYING NEXT YEAR You need to re-apply for student finance for every year of your course. Fees may change each year and grant and loan amounts can also change. We ll contact you when you need to re-apply. Remember to keep the password and secret answer for your online account safe as you ll need these, along with the customer reference number you were given when you registered online, to re-apply each year or to let us know about any changes to your details. Your parents or partner will have their own password and secret answer so they will also need to keep these safe.
19 section 5 WHAT ABOUT REPAYMENTS? The amount you repay each month depends on your income, not what you borrow. You ll be due to start repaying your loans the April after you finish or leave your course. And then you won t have to repay until your income is over 404 a week, 1,750 a month or 21,000 a year. Some important points about repayment: Your repayments are based on your income once you finish studying. Your income includes your salary and any other sources of income you have such as pension or rental income. Your employer will automatically take 9% of your income over the threshold through the UK tax system (Pay As You Earn PAYE) or you ll pay through self assessment if you re self employed. If your income drops below the threshold, your repayments will automatically stop. You can make voluntary repayments at any time. The table below shows some examples of what you might repay each month. Income each year before tax Monthly salary 21,000 1, ,000 2, ,000 2, ,000 2, ,000 2, ,000 3, Approximate monthly repayment 19
20 Interest You pay interest on your loan from the day we pay your first instalment until the loan is repaid or written off, whichever is first. Any loan remaining after 30 years will be written off. The amount of interest charged will vary, depending on your circumstances: Interest While you re studying From the April you re due to start repaying your loans Retail Price Index (RPI) plus 3% Interest will be based on your income 21,000 or less RPI Between 21,000 and 41,000 RPI plus up to 3%, depending on your income Over 41,000 - RPI plus 3% To find out more about repayment, go to Partial cancellation If you take out a Maintenance Loan in 2016/17 you could get up to 1,500 from your student loan balance cancelled by the Welsh Government when you start repaying. You re eligible for partial cancellation once you start repaying either voluntarily or when you ve left university or college and your income is over 21,000 a year. The amount of partial cancellation depends on the amount of Maintenance Loan taken out, when you start to repay. The partial cancellation will be 1,500 unless you ve taken out a smaller Maintenance Loan. If you borrow less than 1,500 the partial cancellation will be less in line with the amount you borrowed. You re only entitled to get partial cancellation once. For more information, go to: 20
21 section 6 FURTHER INFORMATION Need help? We have other useful resources to help you including: quick guides on Disabled Students Allowances, Dependants Grants and What, how and when to repay, and detailed guides including A guide to terms and conditions These resources are available to download from: Contacts Student Finance Wales For more information and to apply visit: You can also phone us on (textphone: ) between 8am and 8pm Monday to Friday, and between 9am and 1pm on Saturdays. National Union of Students (NUS) You can get more information from the NUS website at: Scholarship Search UK This provides information about other sources of funding for undergraduates. The website is: National Association of Student Money Advisers (NASMA) NASMA is a charity working to help students by providing advice, information and training. You can get more information by going to: 21
22 CHECKLIST Check off each step to be sure you have your money when you start your course. START I ve read through this guide and checked out the extra information and guidance online at: I ve used the student finance calculator and have an idea of what student finance I could get. I know how to apply for student finance and that the deadline is 13 May I ve registered online at: and now have a customer reference number. I ve found out whether I need financial details from my parents or partner to support my application. 6 I ve logged in to my account and applied online before the deadline. 7 I ve printed, signed and returned my declaration form. I ve sent any necessary evidence or further information to Student Finance 8 Wales, remembering only to send original documents of identity evidence. My parents or partner have registered online and filled in their part of 9 my application. 10 Student Finance Wales has asked me to send further evidence or information I ve logged into my account to check the progress of my application. Student Finance Wales has sent me a Student Finance Entitlement letter telling me how much I ll get. I ve taken my Student Finance Entitlement letter to my university or college and registered with them. FINISH
24 You can download more copies of this guide online at: You can also order this guide in braille, large print or audio by ing with your name, address, customer reference number quoting reference SFW/FSHE/V16 to: or you can telephone us on Please note: the above address and telephone number can only deal with requests for alternative formats of forms and guides. WG: WG27904 ISBN: Queen s Printer and Controller of HMSO Produced by the Student Loans Company on behalf of the Welsh Government. Extracts from this document may be reproduced for non-commercial research, education or training purposes on the condition that the source is acknowledged. For any other use, please contact: This booklet is for guidance only and is not a statement of law.
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STUDENT SERVICES MONEY ADVICE 2015/16 Available in alternative formats on request www.bangor.ac.uk/studentservices Index Money Advice 1. Introduction page: 1 2. Tuition Fees page: 2 3. Living Costs page:
24+ Advanced Learning Loan A guide to terms and conditions facebook.com/sfengland twitter.com/sf_england youtube.com/studentloanscouk 1 Contents 1. What this guide is about 2. Who does what? a. Department
Factsheet For single parents in England and Wales April 2013 Freephone 0808 802 0925 Gingerbread Single Parent Helpline Claiming income support and other benefits This factsheet gives details of the benefits
Universal Credit Universal Credit (UC) is a new benefit for people of working age. You can get it if you have a low income or do not work. Some people started getting it in April 2013. In this factsheet
DSA1 Full DISABlED STuDENTS AllOWANCES 2014/15 APPlICATION FORM /A /SF_England /SFEngland Who should complete this form? Any student who has a disability, long term health condition, mental-health condition
invest in your future do you live in wales and want to know about funding for your higher education? did you know? - eligible students who normally live in Wales and attend universities and colleges in
www.slc.co.uk/england Contents 1 Introduction 2 2 How student loans work 4 3 Your responsibilities 8 4 What you will repay 10 5 Repaying through the tax system 12 6 Yearly statements 15 7 Coming to the
Guide to undergraduate funding 2016-2017 This guide is for undergraduate students (except nursing students) who are on an HNC, HND, degree or equivalent course. It is also for those doing a Professional
Application for Financial Assistance Funds can be used towards maintenance costs and outstanding debts such as overdrafts and credit cards. Part or all of an award may be paid directly to Accommodation
CASH ISA SAVINGS CONDITIONS. For use from 2nd September 2016. WELCOME TO HALIFAX This booklet explains how your Halifax savings account works, and includes its main conditions. This booklet contains: information
PN1 APPLICATION FOR STUDENT FINANCE 2014/15 YOU CAN ALSO APPLY ONLINE AT WWW.GOV.UK/STUDENTFINANCE /A section 1 finance available You can apply for the following student finance by completing this form:
Application for Student Finance 2015/16 for EU Students Form EU15N First name(s) Surname/family name Customer Reference Number (if you have one) Please contact Student Finance Services on 0141 243 3570
LP12 Make and register your lasting power of attorney a guide Financial decisions including: running your bank and savings accounts making or selling investments paying your bills buying or selling your
Student Allowance Partner s application form This form is to be completed by the partner 1 of the person applying for the Student Allowance. The student will also need to complete a Student Allowance application.
FAQ s Foundation Degree in Professional Golf PGA Training Programme Fees From September 2012 full-time undergraduate fees in England are 9,000 per year (assuming provisions for bursaries are in place).
Q: How much will my tuition fees cost? A: From September 2012, universities and colleges of higher education in Wales as well as England can charge up to a maximum of 9,000 a year for their full-time courses.
Access to Learning Fund (ALF) 2008/2009 Guidance Notes for a Postgraduate student making an Application What is the Access to Learning Fund? The Access to Learning Fund (ALF) is a non repayable discretionary
Postgraduate Loan Introduction to Who can get a Postgraduate Loan? How will students repay their Postgraduate Loan? When will more information be available? SF_England /SFEFILM 2016/17 SFEngland January