Who can apply for Student Finance?

You are eligible to apply for Student Finance if:

  • You are a UK national that normally lives in England
  • You have Settled status (no restrictions on how long you can stay)
  • You have Pre-Settled Status, granted under the EU Settlement Scheme and have been living in the EU/UK for 3 years before starting your course

Please note: Non-UK/EU nationals must have settled status on the first day of the first academic year of the course – which could be 1 September, 1 January, 1 April, or 1 July.

You may also be eligible for student finance if your residency status is:

  • Refugee
  • Humanitarian protection
  • Child of an EEA migrant worker
  • Child of a Swiss national
  • Child of a Turkish worker
  • A stateless person (including family members) and you’re a new student starting on or after 1 August 2018

Types of Student Finance:

a) Tuition Fee Loan

Your university sets your tuition fee, and the loan is paid directly to them. You have to pay it back.

b) Maintenance Loan 

The loan covers some of your living costs and is paid directly into your bank account at the start of each term. You have to pay the loan back.

Click here to check if you are eligible to apply for a student loan.

Use the Student Finance Calculator to estimate your Maintenance Loan.

Student finance repayment plan example:

Your responsibilities:

When you apply for a student loan, you’ll have to give specific information so that repayments can be collected when they are due. You must make sure that you provide the complete and correct information when you take out the loan and you must tell SLC about any changes during the application process, while you’re at university or college and until you’ve repaid your loan in full. Click here to learn how to apply.

You must let SFC know if you:

  • Change your name, phone number, or the details of the bank or building society account that your loan is paid into
  • Change your university, college, or course
  • Get a bursary, healthcare award, or scholarship (for example, a Department of Health bursary)
  • Change your home, term-time, or parental address
  • Know that the start or end dates of your course have changed
  • Don’t begin to study, leave your course, or are expelled
  • are absent from your course for more than 60 days because of illness
  • Are absent for a period for any reason other than illness
  • Get married
  • Plan to leave the country, or change your employment status (for example from employed to self-employed)

Most frequent questions about Student Finance:

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