Money Matters. Your Guide to Student Finance Full-Time Undergraduate Entry.

Transcription

1 The University for World-Class Professionals Money Matters Your Guide to Student Finance 2015 Full-Time Undergraduate Entry

2 Your Money Use our budget planner to work out your entitlements to financial support and your weekly outgoings while you study Tuition Fee Loan Available to all new undergraduate students (without prior study) Tuition Fee Loan (paid directly to your university) Up to 9,000 Entitlements* Maximum My entitlement 1. Loan (repayable) see page 4-5 5, Grant (non-repayable) see page 4-5 3,387** 3. MMU Student Support Package (if eligible) see page 6 1,000 in year 1 4. Other bursaries and scholarships see page 7 Total maintenance (living) allowance ( ) *Details for 2015 entry correct at time of print October **Students receiving a maintenance grant have the loan reduced by 50p in every 1 as per table on p5. Other income Total Total per week 5. Summer job 6. Part-time work (Up to 15 hours per week) see page Support from family Total additional income (5+6+7) Weekly Budget Typical cost My weekly see page budget Accommodation Food 22 Clothes 5 Travel 12 Socialising 20 Gym membership 5 Laundry 5 Mobile phone credit 5 Travel home (once a month?) Other 2 Total

3 Contents Page 4-5:Students from England Page 6: Page 7: Page 8: Page 9: The Manchester Metropolitan University Student Support Package The Met Card, Scholarships and Additional Funding Independent and Mature Students Part-time and Disabled Students Page 10: Health and Social Work Students - Adult Nursing, Physiotherapy, Speech Pathology and Social Work. Page 11: Students from Northern Ireland Page 12: Students from Wales Page 13: Students from Scotland Page 13: Students from the EU including the Republic of Ireland & International Students Page 14: Repaying your Loans Page 15: Employability & MMU Page 16: Budgeting for University Page 17: Part-time Work & Student Bank Accounts Page 18: Accommodation and Travel Page 19-20: Checklist for Student Finance Page 21: Frequently Asked Questions 3

4 Students from England Full-time Undergraduate Students If you are a student from England entitlements will be assessed through your application to Student Finance England. If you have studied at an undergraduate level previously (including uncompleted qualifications) your entitlements may be affected and you should check directly with Student Finance England. Living at home while you study* Household Income Nonrepayable Grant (towards living costs) Repayable Loan (towards living costs) Total (Grant + Loan) Maximum Tuition Fee Loan Maximum borrowed (excluding interest) 25,000 or less 3,387 2,872 6,295 9,000 11,872 30,000 2,441 3,345 5,786 9,000 12,345 35,000 1,494 3,818 5,312 9,000 12,818 40, ,292 4,839 9,000 13,292 42, ,540 4,590 9,000 13,540 45, ,344 4,344 9,000 13,344 50, ,823 3,823 9,000 12,823 55, ,301 3,301 9,000 12,301 Over 58, ,988 2,988 9,000 11,988 * Details correct for 2015 entry at time of print October

5 Living away from home while you study* Household Income Nonrepayable Grant (towards living costs) Repayable Loan (towards living costs) Total (Grant + Loan) Maximum Tuition Fee Loan Maximum borrowed (excluding interest) 25,000 or less 3,387 4,047 7,434 9,000 13,047 30,000 2,441 4,520 6,961 9,000 13,520 35,000 1,494 4,993 6,487 9,000 13,993 40, ,467 6,014 9,000 14,467 42, ,715 5,765 9,000 14,715 45, ,519 5,519 9,000 14,519 50, ,998 4,998 9,000 13,998 55, ,476 4,476 9,000 13,476 60, ,955 3,955 9,000 12,955 Over 62, ,732 3,732 9,000 12,732 * Details correct for 2015 entry at time of print October Key terms Household income: This is the income of the household where you normally live (usually parents/spouse/partner), whom Student Finance England will ask to provide details and evidence to support your application. Household income is assessed tax year 2014/15. If your income decreases by 15% or more, your income for the current year may be assessed. Grant: A non-repayable grant to help towards your living costs: rent, food, course materials etc. You will receive part of this amount once you have enrolled at university in Welcome Week, with the remainder paid in instalments at the start of each term. Loan: A repayable loan to help towards your living costs, rent, food course materials etc. You will receive part of this amount once you have enrolled at university in Welcome Week, with the remainder paid in instalments at the start of each term. Tuition Fee Loan: All new undergraduate students are entitled to a loan to cover their tuition fees. Your fees will be a maximum of 9,000. The Tuition Fee Loan is paid directly to the University by the Student Loans Company once you enrol at Welcome Week, so you will not receive it personally. 5

6 The Manchester Metropolitan Student Support Package per year to support your studies* We offer one of the most generous support packages in the country. From September 2015, the MMU Student Support Package will mean that 1000 per year of study is available to every undergraduate full-time student coming from a household with an income up to and including 25,000. The package will be available in yearly installments. The aim is to help students to reduce their costs where they need it most. You can use your MMU Student Support Package in a combination of the following ways: Year One Accommodation discount of up to 1,000 (Accommodation discount is applicable only for student accommodation contracts with Halls of Residence that are direct with the University and does not apply to other Halls as promoted on the MMU website). or Other services discount up to 1000 using the met card, see for more details. Applying for the Student Support Package You do not need to apply to us directly for the MMU Student Support Package. Please be sure to tick Share my details with my university when you complete your application with Student Finance England, and we will assess your eligibility for the package. You will be asked at enrolment to specify how you would prefer to receive the Support Package in Year 1. Your eligibility won t be confirmed until you have been assessed after enrolment. Terms and Conditions The conditions of the package are correct at the time of going to print in October Please note that these may change, but full details will be available on our website in Spring Each additional year of full-time study A further 1,000 will be available for you to use through the met card for University services in each year of study, when paying undergraduate full-time fees of 9000 or foundation year fees of 6000 (up to a maximum 4 years). * 1000 per year of study when paying undergraduate full-time fees of 9000 or foundation year fees of Up to a maximum of 4 years study. The 2015 MMU Student Support Package is subject to approval by OFFA. 6

7 The Met Card, Scholarships and Additional Funding Care Leavers Bursary Care leavers at MMU can also apply for an additional cash bursary of 1000 per year. For more details and information on how to apply see the website studentfinance/clindex.php Sports Scholarship* Talented athletes studying at MMU could also be eligible for a range of benefits including: 500 financial contribution First class strength & conditioning coaching A free annual gym pass Exclusive sports scholarship kit The met card When you enrol at Manchester Metropolitan University you will be issued with a student met card. You can load the card with money to spend on campus accommodation, on food and drink at university catering outlets, or for printing services on campus & other services. If you qualify for our Student Support Package, you can also choose to have the card pre-loaded so you can use it throughout the year at University outlets and shops. You can find more information about the range of services available to purchase with the met card at Manchester School of Art credit* If you join The Manchester School of Art we also credit your met card with up to 200. At the time of going to print, the credit for 2015 entry is not confirmed, but you can find out more at * Conditions of these packages are correct at the time of going to print in October Please note that these may change, but full details will be available on our website in Spring

8 Independent students You are an independent student if you meet the following criteria: Aged 25 or over before the start of your course Married or in a civil partnership before the start of your course A parent who has your child living with you Financially independent of your parents for 3 years before the start of your course Living in the care of a Local Authority or voluntary organisation If you are an independent student your parental income will not be assessed, however the income of your wife/husband or partner may be considered. You may need additional time to gather information relating to your status as an independent student. Applying for student finance as soon as possible is always recommended. If you are unsure about your status, please contact Student Finance England for more information, tel: Additional support If you have children or other dependents, you may be entitled to additional support in the form of non-repayable grants: Parents Learning Allowance Grant Up to 1,573 Childcare Grant Up to 85% of actual costs of childcare: Maximum per week for one child Maximum per week for two or more children. Adults Dependants Grant Up to 2,757 Your application for these grants will be assessed along with your main application to Student Finance England and you will be prompted to complete the relevant sections on your online application. You may find some useful information on our website specifically for those returning to education. Visit: 8 Special Support Grant The Special Support Grant replaces the Grant for people who can claim income-related benefits whilst studying full-time. In line with the Grant, it is worth up to a maximum of 3,387, and is non-repayable. If you are entitled to the Special Support Grant, you will also receive the maximum amount of the Loan.

9 Part-time students Part-time students are entitled to a Tuition Fee Loan in the same way as a full-time student, up to 6,750 depending on the number of credits you take. In order to qualify you must be studying the equivalent of at least 25% of a full-time course each year. You will not be entitled to any Grant or Loan, but if your student income is 25,000 or below, you will be eligible to apply for our Part-time Student Support Package. Successful applicants will be awarded a reduction of their tuition fees in the final term, but the package will not cover the full cost of fees. You can find further information on the Part-time Student Support Package at Disabled students Disabled students may be entitled to a nonrepayable Disabled Students Allowance (DSA) which will cover costs you have through attending your course, as a direct result of your disability or learning difficulty, such as specialist equipment or a note-taker. You need to apply for the DSA as early as possible, and you do not have to wait for a confirmed place at university before you apply. You can find more information on the allowance, and how to apply, at You can find more information about the support available to you on our website at 9

10 Adult Nursing, Physiotherapy & Speech Pathology Students* Students of Adult Nursing, Physiotherapy and Speech Pathology are entitled to funding directly from the NHS. You can apply for: A means tested bursary worth up to 4,395 A non-means tested, non-repayable grant worth 1,000 Full payment of your tuition fees A reduced Loan (from Student Finance England) * Details correct for 2014, figures have not been confirmed for 2015 entry at time of going to print. Please note that students enrolled on NHS funded courses will not be entitled to the MMU Student Suppport Package. You can only apply for this additional support once you have secured your place on a qualifying course. Visit for more information. Social Work students As well as the Student Finance England Package, Social Work students may be eligible for a bursary in the second and third years of study. There will be a limited number of these bursaries and eligibility criteria are being finalised. For further information see 10

11 Students from Northern Ireland If you are from Northern Ireland, your entitlements are very similar to students from England, but you should apply to be assessed through Student Finance Northern Ireland The details below are correct for students from Northern Ireland not living at home while they study and who are starting university in 2014* figures will be available in Spring 2015 check the website above for more information. Household Income Nonrepayable Grant (towards living costs) Repayable Loan (towards living costs) Total (Grant + Loan) Maximum Tuition Fee Loan Maximum borrowed (excluding interest) 19,203 3,475 2,953 6,428 9,000 11,953 20,000 3,300 2,999 6,299 9,000 11,999 25,000 2,201 3,289 5,490 9,000 12,289 29,019 1,318 3,522 4,840 9,000 12,522 30,000 1,215 3,625 4,840 9,000 12,625 35, ,151 4,840 9,000 13,151 41, ,790 4,840 9,000 13,790 41, ,840 4,840 9,000 13,840 42, ,792 4,792 9,000 13,792 45, ,476 4,476 9,000 13,476 53, ,630 3,630 9,000 12,630 * Details correct for 2014 entry. For 2015 entry, the loan will increase by 3.34% in line with inflation. 11

12 Students from Wales If you are from Wales, your entitlements are very similar to students from England, but you should apply through Student Finance Wales You can get a Tuition Fee Loan to cover all or the first part of your tuition fees up to a maximum of 3,685. The remainder of your fees will be paid by a non-repayable Tuition Fee Grant. The grant will cover any difference between the maximum loan and the actual fee you are charged. As a fulltime undergraduate student with us your fees will be 9,000, therefore you ll be entitled to 3,685 as a tuition fee loan, and 5,315 as a tuition fee grant. These details are correct for students from Wales not living at home while they study and who are starting university in figures have not yet been published, please check for more information. Household Income Nonrepayable Grant (Welsh Government Learning Grant) Repayable Loan (towards living costs) Total (Grant + Loan) Maximum Tuition Fee Loan Maximum Tuition Fee Grant (to cover fee remaining after fee loan) Maximum borrowed ((excluding interest) 18,370 5,161 2,622 7,783 3,685 5,315 6,307 25,000 3,347 3,529 6,876 3,685 5,315 7,214 30,000 2,099 4,153 6,252 3,685 5,315 7,838 34,000 1,142 4,631 5,773 3,685 5,315 8,316 40, ,835 5,569 3,685 5,315 8,520 45, ,006 5,399 3,685 5,315 8,691 50, ,177 5,227 3,685 5,315 8,862 12

13 Students from Scotland If you are from Scotland, your entitlements are very similar to students from England, but you should apply through Student Awards Agency for Scotland (SAAS) The details below are correct for students from Scotland not living at home while they study and who are starting university in figures will be available in Spring 2015 check the SAAS website for more information. Household Income Nonrepayable Bursary Repayable Loan (towards living costs) Total (Grant + Loan) Maximum Tuition Fee Loan Maximum borrowed (excluding interest) 16,999 1,750 5,750 7,500 9,000 14,750 23,999 1,000 5,750 6,750 9,000 14,750 33, ,750 6,250 9,000 14,750 34, ,750 4,750 9,000 13,750 Students from the EU including the Republic of Ireland If you are a student from Ireland or another EU country, you will be entitled to a Tuition Fee Loan to cover the cost of your tuition. Your entitlement to any other forms of support will be dependent on your situation, and you may be entitled to support from your home country. You should apply for your fee loan through Student Finance England from April 2015 if you are due to start in September For information on how to apply visit International Students Students normally resident outside the European Union are not usually entitled to financial support from the UK government. If you are an International student interested in studying with us, you can contact our International Office at The UK Council for International Student Affairs website also provides support and information

14 Repaying your Loans Repayments* Student loans, e.g. Tuition Fee Loan and Loan are combined and repayments are deducted monthly from your salary, normally through the tax system. You do not have to start making repayments until the April after you graduate and you are earning over 21,000 - this means that if you start university in 2015, you will not start making repayments until April 2019 at the earliest. Repayments are calculated as 9% of your salary over 21,000. If your salary falls below 21,000, repayments will stop for example, if you take a career break or are unemployed the monthly repayments start again when you are earning above 21,000. The loan is written off after 30 years the government estimate that fewer than 35% of students starting in 2015 will repay the loans in full. Whilst you are studying (from the start of your course) up until the April after you graduate, the government will charge interest at Retail Price Index (RPI) plus 3%. After graduation the interest rate will remain at RPI if you are earning up to 21,000, and will increase to a maximum of RPI +3% once you are earning over 21,000. As an illustration, your repayments will be calculated as: Salary after graduation 18,000 21,000 24,000 27,000 30,000 33,000 36,000 39,000 Amount of salary from which 9% will be deducted i.e. over 21, ,000 6,000 9,000 12,000 15,000 18,000 Monthly repayment under 2015 loan system after graduation * Figures correct as of October

15 Employability at MMU 89% of our graduates go straight into work or further study within six months of graduation* Employability is at the heart of our courses and many encourage industrial placements to give you real-life experience of the workplace. We have 200 Employability Fee Waivers for UK students on a work placement. Eligible students get the tuition fee of up to 680 for the placement year paid for by the university. Our students have enjoyed work placements with household names such as Marks and Spencer, BBC, Siemens and with smaller companies and public sector organisations like museums, charities and arts centres. We run Exchange and Study Abroad programmes with partner institutions in many parts of the world. Students tell us it s a life-changing experience and it shows employers that you are adaptable, confident and not afraid to try new things. Visit and select Exchange and Study Abroad for further information. Our Careers & Employability Service provides support throughout your time with us and up to three years after you graduate. It provides access to extensive online resources, one-to-one advice from a Careers and Employability Advisor and career planning workshops to help you to develop your CV writing and interview skills. You can also take advantage of many opportunities to network with employers on campus and at recruitment fairs and undertake the MMU Professional Passport which simulates the recruitment and selection process for a graduate job. Visit & for more information. We also have an innovative Intern Scheme for our own graduates, offering up to 100 paid placements across the University each year in marketing, finance, education, HR, research and design. Visit for more information. * 2013 DLHE Survey data from all respondents available for employment or further study whose destinations are known. 15

16 Budgeting for University Going to university means you may be responsible for budgeting and managing your money for the first time. If you have not had to budget before, you need to set yourself spending limits and actively manage your money. We asked some of our current students about their weekly outgoings. On average they spend: 22 Food 5 Clothes 12 Travel (weekly bus ticket) 20 Socialising 5 Gym membership 5 Laundry 5 Mobile phone credit 74 Total (not including accommodation) Most of the students also said they travelled home every month or six weeks, so you should take that into account when making your weekly budget. We also asked them how they make their money go further: As I live a long way from my family, I bought a National Express student pass. It saves a great deal of money when I need to travel home during holidays, for instance a discount of about 20 to Truro and almost 100 off a trip to Sofia in Bulgaria. Jacob Lee, BSc (Hons) Wildlife Biology The one thing that has helped me make the most of my money while at university is to go supermarket shopping with flatmates. If you shop on your own, you might not get to eat everything you buy for yourself before it expires, so by sharing we have cut down on wasted food. Beatrice Lee, BA (Hons) Business Administration with International Business The best thing I have bought is my railcard for going home in the holidays and at least one weekend a month. This has saved me a lot of money as you just pay 30 and you get a third off most train journeys for a whole year. Hayley Gould, BA (Hons) Spanish and Teaching English as a Foreign Language I buy books from Amazon or try and get in touch with someone from the year above who has finished with their books which saves me buying brand new ones every year. There s an Oxfam on Oxford Road, which has quite a lot of second hand academic books, so you could always try there too. Daniel Hall, BA (Hons) Spanish and Italian 16

17 Part-time Work Many students work part-time while at university to boost their income and help towards their living costs. This is also a valuable way to gain useful work experience to enhance your CV and prepare you for the world of work. MMU locations have a great number of shops, bars, cafes and entertainment venues where many students find part-time work while they study. We asked some of our students about work they have done while they study: To earn some money, I signed up to be a university Student Ambassador, which is casual work around Open Days and other university events. This made it easy to balance my university work and social life. I think it is a good idea if you can keep a part-time job or casual job at home as well so that you can earn extra money in the holidays. Hayley Gould, BA (Hons) Spanish and Teaching English as a Foreign Language I only work outside of term-time which gives me a bit of extra cash ready for the next term. During term-time I don t work so I have more time for studying and socialising. I prefer to budget my money carefully rather than have a job and no free time. David Engles, BSc (Hons) Computer Games Technology I plan my week out carefully to make sure I fit everything in. For example I work on Monday and Tuesday, then I have lectures on Wednesday, Thursday and Friday. I m able to plan my hours quite easily to make sure I have enough time for studying and working as well as socialising in the evenings. Priyanka Vaidya, BSc (Hons) Nutrition and Health How much might you earn? If you are studying full-time, we recommend that you don t work more than 15 hours per week you will need to find a balance so that you have time for course commitments including lectures, seminars, reading, independent study and socialising. We pay our student ambassadors 7.07 per hour to work at Open Days and in University offices giving administrative support. If you worked the maximum recommended time of 15 hours, you could earn per week, though remember there will be times you are busier than usual with your studies e.g. at exam time. Student bank accounts If you do not already have a bank account, you will need to open one in order to receive any loans or grants to which you might be entitled. Most major banks offer accounts especially for students, usually with interest free overdrafts that continue post-graduation to give you a financial buffer in case you need it. You can find useful information on student bank accounts at student-bank-account 17

18 Accommodation Costs Halls of residence can vary in price, and at Manchester Metropolitan, our prices range from around 87 to 125 per week (or 3,480 to 5,250 per year) and include all bills and internet access. The price of halls varies according to the location and set up of each hall, so you should consider carefully the style of accommodation you would like when budgeting for this cost. You can view all our halls, and the latest prices, at You will be able to apply for accommodation from early April 2015, and we must be your firm choice on UCAS before we will accept an application from you. Many of our students pay for their student accommodation with their MMU Student Support Package (if they are staying in one of our Halls) or Loan in three instalments. You can also choose to pay for your accommodation directly with money from another source (e.g. your parents or savings). 18 Travel Planning your travel while at university is very important as the costs can mount up. Careful planning and research into student discounts could save you a lot of money. If you study at our Manchester campus, all our faculties are within easy travelling distance of the city centre, so your daily travel costs if living in our halls of residence are likely to be minimal. Likewise at our Crewe campus, our halls of residence are within walking distance. Trains If you are aged 16-25, or if you a full-time student, you are entitled to a railcard. It costs 30 and will save you 1/3 on rail fares throughout Great Britain for a whole year. To save even more, a 3-year card is 70. Visit for more information. Bus Major bus companies have an annual or termly student bus pass. The major bus company in South Manchester is Stagecoach who offer a termly pass which currently costs 45 per term. You can find more information on their website at Cars At our Manchester campuses parking is limited as we are based in the city centre, so we offer parking only to students with a disability, a medical condition or those who hold a European Blue Badge. At our Cheshire campus in Crewe we have more capacity for parking, and you can apply for a parking permit at the beginning of the year. Full details about car parking is available on our travel website Cycling We offer ample cycle parking facilities at all our campuses. If you do not currently own a bicycle, you can rent one from our icycle service from 6 per week. Visit for more information. You can find more information about travelling to Manchester Metropolitan University at

19 Checklist for Student Finance (England)* *Please see back cover for confirmation of which students the information in this guide refers to. Research What support can you get from Student Finance England? Visit enter your details and find out what financial support you may have access to. See pages 4-5. Are you entitled to The Manchester Metropolitan Support Package? See page 6. Plan your budget Once you know what you will be entitled to, you should work out your budget and consider how you will manage your money while you study. See pages Check your Tuition Fees Our full-time undergraduate degrees starting in September 2015 have a fee level of 9000 p.a. or 6000 p.a. for Foundation Year. Check our online prospectus for your course Apply Submit your application Apply online for your student finance by 29th May 2015 (TBC) at: You do not need to have accepted a place in order to apply for support. Set up a bank account If you do not already have a bank account, you will need to open one to receive any loans or grants to which you might be entitled. Share your details When completing your application, tick the box marked Share my details with my university. We will then assess your eligibility for the Student Support Package and will contact you after enrolment. See page 8. Keep a note of your Customer Reference Number (CRN) This will be used by Student Finance England throughout your application and while you study. Household income If you live with your parents, spouse or partner, they may be asked to submit information about their income. You will need to share your CRN with them so that their information is linked with your application. 19

20 Deadlines Apply by 29th May 2015 (TBC) to ensure your support will be in place for September Your entitlements You will receive a Student Finance Entitlement Letter which will set out the details of any loans and grants you are entitled to. You should check it carefully to ensure all the details are correct and return the declaration form to confirm your acceptance of this support. Enrolment Enrol online from August 2015 and collect your MMU ID card and met card in the week beginning Monday 21st September Once you collect your ID card, the payment of any maintenance grants or loans will be triggered and we will contact you regarding any support you might be entitled to directly from us. It may take one to two weeks for payments to arrive from this point. And next year You will need to apply each year to ensure your support is in place for every year of your course. Contact: Student Finance England, if you have any queries about your entitlement or application:

21 Frequently Asked Questions 1Do I have to pay my tuition fees up front? All new UK undergraduate students are entitled to a Tuition Fee Loan to cover these costs, so you don't need to pay your fees up front. If you have studied for a higher education course (including courses that were not completed) your entitlements may be affected, and you should check with Student Finance England. 4When will I receive loans and/or grants? You will receive any loans or grants you are entitled to only after you have completed your enrolment at university (in Welcome or Freshers Week). This is usually 3-days after you have collected your ID card. You will not receive the Tuition Fee Loan yourself as this will be paid directly to your university. 2Will I be able to get support with my living costs? All new UK full-time undergraduate students are entitled to some support with their costs of living (known as maintenance) as a repayable loan or a non-repayable grant or a combination of both. The amount you are entitled to depends on the income of your household (usually your parents). If you have studied for a higher education course previously (including courses that were not completed) your entitlements may be affected, and you should check with Student Finance England. 3Where do I apply for student financial support? Your financial support will depend on the system in the country where you normally live, not where you choose to study. For example, if you live in England, you will apply through Student Finance England for your financial support and they will assess your eligibility. You may be entitled to additional support direct from your university, but this will be worked out by your university from your application to Student Finance England once you have your place. 5When do I have to start paying back my loan? Your Tuition Fee Loan and Loan will only be repayable once you are earning over 21,000 per year. The repayments you make are on a sliding scale so the more you earn, the more you will pay. The money will be automatically deducted from your pay packet along with income tax. 6Will my parents be responsible for my loan? In line with your application to university, you will have responsibility for managing your own money and any money you are entitled to will be paid to you and not your parents. To find out the answers of more of our Frequently Asked Questions visit askmanchester Metropolitan University 21

22 Search Man Met Uni A note about this guide: Please note that the information in this guide relates primarily to students who have no previous study in Higher Education and who are normally resident in England when applying for their full-time place at Manchester Metropolitan University to begin their studies in We have included some introductory finance information for students who currently live elsewhere. We welcome applications from across the UK, Europe and internationally. The information is accurate at time of going to print, the latest information is available online and we have included web addresses for useful sources of information throughout this guide. Student finance figures are continuously reviewed by the government and other organisations, so you need to make sure you have the correct information for the year you are intending to study and your individual situation from the official websites indicated. AE_9399