1 Student finance New full-time students 2014/15 sound advice on STUDENT FINANCE SFW/FSHE/V14
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, a long-term health condition, 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 and Twitter: 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? FIND OUT WHAT YOU CAN 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 Tuition Fee Grant for full-time students. The following pages show what 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? Do I have to pay it back? Anything else? Helps with tuition fees. Up to 3,685 to help towards the tuition fee 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 direct 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? Do I have to pay it back? Anything else? Helps with tuition fees. Up to 5,315 to cover 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 direct 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? 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 4,027 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 7,288 Up to 5,202 Up to 6,202 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. If you get a Welsh Government Learning Grant, we ll reduce the amount of Maintenance Loan you can get. 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? 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? 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 lone (single) parent with a child or young person under 20 who is in full-time education below higher education level 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 You have a disability and qualify for the 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 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 You re able to get Disability Living Allowance 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 What can I get? What s it for? Do I have to pay it back? Find out more Disabled Students Allowances (DSAs) Helps with extra costs you have as a result of a disability, long-term health condition, 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 circumstances. No, unless you leave your course early. For more information, download Extra help Disabled Students Allowances at: Childcare Grant (CCG) 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 Helps with course-related costs if you have dependent children. You can get up to 1,557 a year, depending on your household income. No, unless you leave your course early. For more information, download the guide Extra help Dependants Grants at: Adult Dependants Grant (ADG) 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. For more information, download the guide Extra help Dependants Grants at: 11
12 What can I get? What s it for? Do I have to pay it back? Find out more Travel Grant 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 travel costs, so you d get your travel costs over 303. 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: 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? FIND OUT IF YOU QUALIFY Whether you qualify for student finance depends on: your personal eligibility your course your university or college Personal eligibility Where you live You can only apply if: you re a UK national or have settled status (that is, 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 you ve been living in the UK for at least three years before starting your course If you don t meet those conditions, 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) an EEA/Swiss migrant worker, or a relative of one the child of a Swiss national (your parents must provide information and evidence they ll be living in the UK at the start of your course) the child of a Turkish worker 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 years of previous study you ve completed will be taken off 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. This is because your course would still have got public funding even if you never received any student finance yourself. 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) Foundation Degree Certificate of Higher Education Diploma of Higher Education (DipHE) Higher National Certificate (HNC) Higher National Diploma (HND) Postgraduate Certificate of Education (PGCE) or qualification from Initial Teacher Training (ITT) 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 HOW AND WHEN TO APPLY 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. So apply online now and have everything in place at the start of your course. Apply at: 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 your application for student finance before 16 May 2014 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 online 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 recieve 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.
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 details of 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. Any identity evidence we ask for should be originals, not photocopies. 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. You don t need to send any financial evidence up front. If we do ask you for evidence you ll need to provide original documents. TOP TIP Remember to put your customer reference number on anything you send us. 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. Once you ve registered, your university or college will let us know you re attending and we ll make your 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 direct to your university or college. 17
18 section 4 HOW DO I GET PAID? 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. If you applied online, the Student Finance Entitlement letter will include a declaration form you must sign and return to us. 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. 18 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? REPAYING YOUR LOANS Once you ve finished your course, repaying your student loans is straightforward. The amount you repay each month depends on your income, not what you borrow. You won t start repaying before April 2016, even if you finish or leave your course early. 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 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. You can also use our repayment calculator at: to work out what your repayments might be. Income each year before tax Monthly Salary 21,000 1, ,000 2, ,000 2, ,000 2, ,000 2, ,000 3, Approximate monthly repayment 19 The threshold will be updated each year in line with average earnings.
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 Retail Price Index (RPI) plus 3% If you finish or leave your course before April 2015 From April 2016 or the April you are due to start repaying your loans RPI plus 3% until the April after you leave your course and then RPI until April 2016 Interest will be based on your income 21,000 or less RPI 21,001 to 41,000 RPI plus up to 3%, depending on your income 41,000 - RPI plus 3% Partial cancellation If you take out a Maintenance Loan in 2014/15 you could get up to 1,500 from your student loan balance cancelled by the Welsh Government when you start repaying. This is subject to approval by the National Assembly for Wales. 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 USEFUL INFORMATION AND CONTACTS Need help? We have other useful resources to help you apply including: Quick guides on Disabled Students Allowances, Dependants Grants and What, how and when to repay Downloadable 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 16 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. I ve logged in to my online account to check the progress of my application. I ve sent any necessary evidence or further information to Student Finance Wales, remembering only to send original documents of financial evidence. Student Finance Wales has asked me to send evidence or further information. My parents or partner have registered online and filled in their part of my application. I ve logged in to my student finance account and applied online before the deadline. Student Finance Wales has sent me a Student Finance Entitlement letter telling me how much I ll get. I ve signed and returned the declaration form. 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/V14 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. WG19712 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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CONTENTS INTRODUCTION Page 2 ELIGIBILITY - DO I QUALIFY? Page 2 WHAT FINANCIAL HELP COULD I GET IF I STUDY FULL-TIME? Previous Study Page 3 Tuition Fee Loan Page 3 Maintenance Grant (or Special Support
Undergraduate and PGCE courses starting in the academic year 2014/15 Student Financial Support contents Undergraduate fees 2014/15... 4 Student loans and grants... 5 Tuition fee loan... 5 Maintenance loan
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
Department of Criminology Payment of course fees for part-time students with effect from 1st September 2012 Part-time students can now take out a non-means tested tuition fee loan to cover the costs of
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
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.
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:
Page i We are an agency of the Scottish Government giving financial support to eligible students doing a course of higher education in the UK. Contents 1. Tuition fees and course information 2. Young Students
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
Undergraduate and PGCE courses starting in the academic year 2015/16 If you require this publication in an alternative format, please contact the Corporate Communications Unit. Email: email@example.com
Student Finance. Finance Facts Universities can charge anything up to 9000 tuition fees per year on every course Universities can decide what they charge and some vary according to the subject you study
To: Local Authorities in Wales (For the attention of Student Finance Officers). Higher Education Institutions in Wales providing designated Higher Education courses. Further Education Institutions in Wales
Notes for Student Finance Application 2014/15 PN1 You can apply online at www.studentfinanceni.co.uk Student Financeni is a partnership between the Education and Library Boards (ELBs) and Student Loans
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:
Cambridge Student Finance: the facts Cambridge Student Finance: the facts This leaflet outlines the facts about student finance and the extensive support on offer to UK and EU students at the University
Student Finance Llinos Angharad Williams Schools Liaison Officer Finance Facts Universities can charge anything up to 9000 tuition fees per year on every course Universities can decide what they charge
Credit Crunching a student guide to credit 2010/11 Introduction Whether you are a student or a graduate it is important to understand all the different types of credit out there in the market place. Credit
Full-time Guide You can afford to go to Uni The true cost of full time higher education study in England from 2013 Introduction The information in this guide is for full-time students in England starting