2015/16
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2 SESSION CONTENTS Secton 1 Assess (Student Fnance ) Secton 2 Pay (Applcatons & Informaton) Secton 3 Repay (Student Loan Repayments) Secton 4 SFE Resources
3 SECTION 1 THE STUDENT FINANCE PACKAGE* *All fgures used n ths secton are subject to fnal approval of the student fnance polcy
4 SECTION 1 TUITION FEES AND LOANS AN OVERVIEW Unverstes and colleges* can charge new full-tme students up to 9,000 per year n tuton fees 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 any Tuton Fee Loan drectly to a unversty or college The loan s repayable, but only when a student s ncome s over 21,000 *Publcly funded nsttutons wth approved OFFA Access Agreement **Up to 6,000 for approved courses at prvate provders
5 SECTION 1 THE STUDENT FINANCE PACKAGE PART-TIME* *All fgures used n ths secton are subject to fnal approval of the student fnance polcy
6 SECTION 1 TUITION FEES AND LOANS PART TIME OVERVIEW Publcly-funded unverstes or colleges can charge up to a maxmum tuton fee level of 6,750* a year for part-tme courses New, elgble part-tme students can apply for a non means tested loan to cover the cost of ther tuton at these nsttutons The actual amount charged wll depend on the ntensty of a course Course ntensty s how long t takes to complete a part-tme course compared to the equvalent full-tme course Part-tme students wll not be enttled to a loan or grant towards lvng costs but can access Dsabled Students Allowances (DSAs) *Wth an Offa approved Access Agreement, up to 4,500 for desgnated courses at prvate provders
7 SECTION 1 PART-TIME STUDENTS OTHER SUPPORT Elgble students wth a Hgher Educaton qualfcaton who wsh to study part-tme for another HE qualfcaton n engneerng, technology or computer scence can now apply for fee loan support for a second course* Tuton Fee Loans wll only be avalable to students studyng at an ntensty of at least 25% of an equvalent full-tme course Ths polcy change focuses on part-tme study to enable those already n employment to update ther sklls and qualfcatons and retran The polcy wll not yet be extended to other subjects pendng revew of the long term mpact and what s affordable wthn spendng lmts *Polcy wll apply n respect of an academc year begnnng on or after 1 September 2015
8 SECTION 1 MAINTENANCE SUPPORT AN OVERVIEW Mantenance support s avalable to help students wth ther lvng costs whle n hgher educaton There are two man types of support, Mantenance Loan (repayable) and Mantenance Grant (non-repayable) All elgble students are enttled to receve some Mantenance support The amount of Mantenance Loan a student gets depends on where they lve and study Mantenance support s pad drectly nto a student s bank account each term The maxmum Mantenance Loan levels have been ncreased by 3.34% for
9 SECTION 1 MAINTENANCE LOAN MAXIMUM LEVELS Parental Home Lve at home whle they 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
10 SECTION 1 MAINTENANCE LOAN MAXIMUM LEVELS 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 Addtonal loan may be avalable for any extra weeks of study f a course goes beyond 30 weeks n an academc year
11 SECTION 1 MAINTENANCE SUPPORT LONG COURSE LOAN Students may be elgble for the Long Courses Loan f they re studyng a full tme hgher-educaton course where the academc year exceeds the standard 30 weeks and three days Students can get a fxed amount per extra week of study* The amount depends on where the student lves and household ncome Student Lves & Studes Weekly Amount Student Lves & Studes Weekly Amount Parental Home 56 Elsewhere 86 London 110 Overseas 119 *Up to 45 weeks. Students studyng for 45 weeks or more n any 52 week perod are assessed for the full 52 weeks
12 SECTION 1 MAINTENANCE GRANT SUPPORT AND MEANS TESTING The Mantenance Grant doesn t have to be repad How much grant students can get depends on ther household ncome (100% means tested) Household Income: Up to 25,000 Full Grant: 3,387 Household Income: Up to 42,620 Partal Grant: (Mn 50) Household ncome s the taxable earned and unearned ncome of the parents/partner a student lves wth most of the tme
13 SECTION 1 SPECIAL SUPPORT GRANT OVERVIEW SFE work out enttlement to the Specal Support Grant n the same way as the Mantenance Grant. However, t wll not affect the amount of Mantenance Loan a student may be enttled to receve For example, An elgble student studyng away from home outsde London wth an assessed household ncome of under 25,000 could apply for the full SSG of 3,387 and Mantenance Loan of 5,740 If clamng ncome-related benefts, Jobcentre Plus wll not take account of the SSG, nor wll a local authorty s Housng Beneft secton when workng out a students ncome* *However, any Mantenance Loan enttlement they are awarded may mpact on any benefts they receve
14 SECTION 1 SPECIAL SUPPORT GRANT ELIGIBILITY CRITERIA As wth the Mantenance Grant the maxmum Specal Support Grant a student could get s 3,387, students could be elgble for a SSG f they: Are a lone (sngle) parent Have a partner who s also a student and one or both of them are responsble for a chld/young person under 20 who s n full-tme educaton below hgher educaton level Elgble for the housng element of Unversal Credt Are deaf and qualfy for DSA s or have a dsablty and qualfy for ncome-related Employment and Support Allowance
15 SECTION 1 COMBINED MAINTENANCE SUPPORT LIVING AWAY FROM HOME INSIDE LONDON Household Income Mantenance Grant Mantenance Loan Total 25,000 & under 3,387 6,316 9,703 30,000 2,441 6,789 9,230 35,000 1,494 7,262 8,756 40, ,736 8,283 42, ,984 8,034 42, ,009 8,009 50, ,267 7,267 69,766 & over 0 5,205 5,205 The calculator found on gov.uk/studentfnance can provde students wth an estmate of ther student fnance enttlement
16 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 Students should check unversty/college webstes and ask at open days to see what they offer and how/when apply
17 SECTION 1 EXTRA SUPPORT EXTRA HELP MAY ALSO BE AVAILABLE IF STUDENTS. Have chldren or adult dependent on them Have a dsablty, long-term health condton, mental-health condton or specfc learnng dffculty Study overseas as part of ther UK based course 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:
18 SECTION 1 DISABLED STUDENTS ALLOWANCES* *All fgures used n ths secton are subject to fnal approval of the student fnance polcy
19 SECTION 1 EXTRA SUPPORT DISABLED STUDENTS ALLOWANCES Dsabled Students Allowances provde help towards the addtonal costs that a student may face as result of ther dsablty, long-term health condton, mental-health condton or specfc learnng dffculty: DSAs Support: Is avalable n addton to the standard student fnance package, Does not have to be repad, Is not affected by household ncome, Looks at the specfc needs of the ndvdual n relaton to ther crcumstances and studes Students should apply for ther DSAs as soon as possble, the process can be trggered from the man onlne applcaton form
20 SECTION 1 EXTRA SUPPORT DISABLED STUDENTS ALLOWANCES Allowance Non-medcal personal helper Part-Tme Maxmum Support Full-Tme Maxmum Support Frequency of Payment 15,543 20,725 Annual Specalst equpment 5,212 5,212 Other dsablty-related expendture Dsablty related travel Duraton of Course 1,305 1,741 Annual No Lmt Reasonable spendng can be clamed For both full-tme and part-tme postgraduate students there s a sngle allowance of up to 10,362 a year
21 SECTION 1 DEPENDANTS GRANTS* *All fgures used n ths secton are subject to fnal approval of the student fnance polcy
22 SECTION 1 EXTRA SUPPORT STUDENTS WITH DEPENDANTS Chldcare Grant: Based on 85% of actual regstered/approved chldcare costs up to maxmum of: per week for one chld per week for two or more chldren Parents Learnng Allowance: Help wth course-related costs for students wth dependent chldren Amount receved wll be between 50 and 1,573 Adult Dependants Grant: Normally for the student s partner. Can be for another adult who s fnancally dependent on the student where the adult s net ncome s not more than 3,796 p.a. Maxmum grant avalable: 2,757 The maxmum Dependants Grant levels have been ncreased by 3.34% for
23 SECTION 1 SHARIA LAW COMPLIANT SUPPORT* *It s unlkely that any Alternatve Fnance product wll be avalable before academc year 2016/17
24 SECTION 1 SHARIA LAW COMPLIANT SUPPORT CHOOSING A FINANCE PRODUCT The need for an Alternatve Fnance Product Student loans ssued after Sept 2012 bear a real rate of nterest above nflaton and concerns were rased that some relgous groups, partcularly Muslms, may feel that chargng such an nterest rate s ncompatble wth ther belefs The Government evaluated fve potental Alternatve Fnance products based on fnancal structures already used n Islamc fnance The sutablty of these products was based upon ther ablty to meet the key objectves the Government beleves a Shara-complant student fnance product, needs to acheve
25 SECTION 1 SHARIA LAW COMPLIANT SUPPORT FINANCE MODEL The fnance product dentfed s based on the Takaful structure used n Islamc fnance to allow groups of people to cooperate to provde mutual fnance assstance to other members of the group Students partcpatng n the fund would not be borrowng money and payng t back wth nterest to a thrd party (whch would not be complant wth Shara law) The contract wll be based upon a promse guaranteeng that students wll repay a Takaful contrbuton (seen as a chartable contrbuton from a Shara perspectve) for the beneft of the members of the fund Mones wll be released once the contract s sgned It s unlkely that any Alternatve Fnance product wll be avalable before academc year 2016/17
26 SECTION 1 SHARIA LAW COMPLIANT SUPPORT REPAYMENTS Repayment wll be made to the fund once students are earnng above the set threshold, whch would be at the same level as for tradtonal student loans The contrbuton pad back nto the fund wll help future students beneft by allowng them to complete ther studes as the orgnal student dd The mutual bass of ths structure (members of the fund helpng each other to attend hgher educaton), make ths model acceptable under Shara-law Ths s because the lender/borrower relatonshp whch results n payment of nterest by the students does not exst n ths model See for the consultaton papers
27 SECTION 2 APPLICATIONS & INFORMATION
28 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! Please encourage the students you work wth to apply on tme! It wll take at least sx weeks to process an applcaton so apply early The easest way to apply s onlne at gov.uk/studentfnance* Students don t need a confrmed place at unversty or college to apply Apply wth ther frst choce, they can change detals later f necessary *Students wshng to study at alternatve provders may need to wat untl HEFCE approve the course desgnaton before applyng
29 SECTION 2 GOV.UK FOR THE INFORMATION YOU NEED
30 SECTION 2 STUDENT FINANCE APPLICATIONS GET IT RIGHT FIRST TIME STUDENTS SHOULD Make a note of ther account log-n detals and keep them safe Agree to share nformaton from ther applcaton, ths helps apply for many bursares and some scholarshps Make sure any evdence and nformaton needed to support ther applcaton s suppled frst tme (students and parent/partners) Submt an applcaton even f there s a delay n gettng sponsor ncome detals so some fundng* wll be avalable when they start ther course Sgn and return ther onlne declaraton form as soon as possble so as not to delay payments *Tuton Fee Loan and 65% of the maxmum Mantenance Loan whch are non means tested
31 SECTION 2 SFE ONLINE FOR MORE INFORMATION AND RESOURCES
32 SECTION 2 APPLICATIONS & INFORMATION FRAUD PREVENTION
33 SECTION 2 FRAUD PREVENTION WHAT KINDS OF FRAUD DO WE SEE? The man types of fraud attempted aganst SLC and our customers nclude: Elgblty: Identty fraud facltated by false dentty and resdence documents False documentaton presented at the pont of regstraton wth HEP Non attendance Enttlement: Sponsor s ncome and declaraton fraud Sponsor and/or student clamng to be a lone parent when they are one of a couple Chldcare grant and DSA fraud False clams of estrangement Other types of fraud nclude - Dverson of payment facltated by phshng etc and delberate evason of repayment
34 SECTION 2 FRAUD PREVENTION WHAT DO WE DO TO COMBAT FRAUD? SLC have mplemented fve key prortes to help combat fraud: Prorty 1 Understandng: We understand when loss occurs, what causes t and how we can ntervene most effectvely to combat t Prorty 2 Preventon: We antcpate where loss could occur and desgn out vulnerabltes at source Prorty 3 Detecton: We ntercept error and dsarm threats before they can cause loss, alertng partners as necessary
35 SECTION 2 FRAUD PREVENTION WHAT DO WE DO TO COMBAT FRAUD? Prorty 4 Response: We protect taxpayer funds from losses, collect every pound due and use sanctons to deter future loss Prorty 5 Organsaton: The way we desgn and run our organsaton mnmses loss We learn, nnovate and adapt contnuously!! SLC Counter Fraud Servces n Acton: Across Academc Years 2012/13 & 2013/14, CFS have stopped a total of 29.6 mllon of fraudulent student fnance beng pad
36 SECTION 2 FRAUD PREVENTION KEY MESSAGES AND ACTIONS Provders Know You Students: Evdence dentty and qualfcatons at the pont of regstraton Tmely attendance confrmaton and wthdrawals Mantan system access controls and ntegrty of the course database Take accountablty for ntegrty of the data SLC receve Students/Sponsors Stay safe Onlne: Be aware that crmnals target students wth phshng scams desgned to obtan student account/fnancal detals* Keep account detals safe and do not share wth anyone *SFE do not send emals or other correspondence drectly askng for senstve nformaton from students or sponsors
37 SECTION 2 FRAUD PREVENTION CONSEQUENCES OF FRAUDULENT BEHAVIOUR Mantanng our Consequences Model: Benchmarkng aganst other publc sector organsatons Penaltes: Recovery of overpayments All or part of fundng dsallowed for a fxed tme or permanently Cases reported to Acton Fraud All nstances of fraud recorded on the CIFAS database* Prosecuton Messagng: Deterrence Publcse the severty of fraud and potental penaltes *CIFAS provdes the UK's most comprehensve (Natonal and Internal) databases of confrmed fraud data -
38 SECTION 2 FRAUD PREVENTION CFS IN ACTION ACADEMIC YEAR 2014/15 PHISHING: 73 students bank detals changed as a result of phshng actvty CFS nteracton prevented funds of 153,312 beng pad CFS acton taken wth 290 students where analyss of rregular actvty on ther student fnance accounts showed t was lkely that they had responded to phshng emals CFS nterventon prevented any changes beng made to personal detals or bank accounts
39 SECTION 2 FRAUD PREVENTION CFS IN ACTION FINANCIAL YEAR 2014/15 CFS have nvestgated 1713 applcatons, of whch 1422 reman stopped, these accounts equate to approxmately 7.7 mllon CFS are currently operatng to a Return on Investment of 23:1 (For every pound nvested n fraud preventon, the taxpayer gets back 23) To the end of Quarter 1 n 2014/15, CFS had reported 276 cases to CIFAS (The UK's Fraud Preventon Servce) These cases are held on the CIFAS database* and a fraud marker s placed aganst each ndvdual's credt record, affectng ther ablty to gan credt from other CIFAS regstered busnesses *Cases are also recorded on Acton Fraud and a Crme Report may be passed to a Law Enforcement Agency for nvestgaton
40 SECTION 3 STUDENT LOAN REPAYMENTS
41 SECTION 3 STUDENT LOAN REPAYMENTS AN OVERVIEW Students won t make repayments untl ther future ncome s over 21,000 a year gross (before tax) If they study a full-tme course, they wll be due to start repayng n the Aprl after graduatng from/leavng hgher educaton They ll repay 9% of ther ncome over 21,000 and f employed, deductons wll be made from ther pay through the HMRC tax system* If ther ncome falls to 21,000 or below ther repayments wll stop Any outstandng loan balance wll be wrtten off 30 years after enterng repayment *If they move/work overseas, repayments wll be 9% of any earnngs over the threshold for the country they are lvng n
42 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 Early repayments can be made at any tme (wth no penalty) f a student wants to reduce ther loan balance early
43 SECTION 3 STUDENT LOAN REPAYMENTS THE INTEREST Interest levels wll depend on a students ncome and crcumstances: Durng study untl enterng repayment Income: Under 21,000 Interest Rate: Retal Prce Index +3% Interest rate s: Set at RPI Only Interest Rate: RPI Only Income: 21,000 to 41,000 Interest Rate: RPI + up to 3% Income: Over 41,000 Interest Rate: RPI +3% The nterest rate s updated once a year usng the RPI fgure from March whch s carred forward and appled n September
44 SECTION 3 STUDENT LOAN REPAYMENTS THE INTEREST PART-TIME STUDENTS Whle studyng and untl whchever comes frst of: Aprl after graduatng or leavng a course Aprl 4 years after the start of a course Interest Rate Retal Prce Index (RPI) +3% Interest added wll then be lnked to a students ncome (From Aprl 2016) Income: Under 21,000 Income: 21,000 to 41,000 Income: Over 41,000 Retal Prce Index (RPI) Only RPI + Up to 3% Retal Prce Index (RPI) + 3%
45 SECTION 3 STUDENT LOAN REPAYMENTS DEDICATED WEBSITE
46 SECTION 4 SFE RESOURCES
47 SECTION 4 SFE RESOURCES DEDICATED PRACTITIONER WEBSITE
48 SECTION 4 SFE RESOURCES IAG MATERIALS Access and download our wde range of IAG resources ncludng: Sute of Factsheets Seres of Quck Gudes PowerPont Presentatons Vdeos and Marketng Materals All sorted by audence type to make t easy to fnd what you need New resources wll be added durng the year, as the nformaton students need changes. Regster/check back for updates
49 SECTION 4 PRACTIITONER RESOURCES CONTACT US Practtoners Helplne: The SFE Practtoner Helplne and emal box s for detaled or complex regulatory advce (It s not an alternatve to the Student Support Helplne) Emal: SSIN_queres@slc.co.uk Phone: (Mon to Fr am to 4.00pm) HEP Servces: The team acts as a prmary pont of contact for Hgher Educaton Provders wth regards to advce, best practce and future developments Emal: HEP_Servces@slc.co.uk Helplne: Students/Parents: Phone: (Mon to Fr am to 8.00pm Sat & Sun am to 4.00pm, local call rates apply)
50 SECTION 4 PRACTITIONER RESOURCES DEDICATED REGIONAL SUPPORT Student Fnance Advsers: Our team of dedcated regonal advsers work closely wth key partners across England to delver a range of Matrx accredted servces ncludng: Staff development through bespoke tranng, Advce and support wth SFE resources, polcy and processes If I can support you and your colleagues wth any area of student fnance IAG delvery, please do get n touch: Emal - ben_rutter@slc.co.uk Tel For more nformaton: Practtoner Helplne: For detaled/complex regulatory advce and partcularly complex assessment enqures
www.gov.uk/studentfinance 2016/17
www.gov.uk/studentfnance 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 SECTION 1 TUITION FEES AND
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