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Funding

Funded by the government, not by your savings.

Most students pay nothing up front. Here's exactly how Student Finance England works for the 2026/27 academic year — the real figures, and what you'd actually repay.

The two parts

Your funding comes in two loans

One covers your course. The other helps you live while you study. You can take one or both.

Part one

Tuition fee loan

Covers your course fees, paid directly to the university — the money never passes through your hands. For 2026/27 this is up to £9,790 per year.

Up to
£9,790per year, paid to the university
Part two

Maintenance loan

Helps with living costs — rent, travel, bills — paid to you in instalments. How much depends on where you study and your household income.

Studying in London
£7,039 – £14,135per year
Studying outside London
up to £10,830per year

Together, that can reach up to £23,925 a year

Combining the maximum tuition fee loan with the maximum London maintenance loan. Your own figures depend on your course, location and household income — we help you work out what you'd actually receive.

Repayment

You only repay when it's comfortable

Student loans don't work like a bank loan. You repay a small share of what you earn above a threshold — and only while you're earning above it. Under Plan 5:

  • You repay 9% of what you earn above £25,000 a year.
  • Earn under the threshold and you repay nothing that month.
  • Repayments are collected through payroll, like tax — nothing to organise yourself.
  • Any balance remaining at the end of the term is written off.

A quick sense of it

Illustrative only — 9% of earnings above £25,000.

Earning £25,000
£0per month
Earning £30,000
≈ £37per month (9% of £5,000)
Earning £35,000
≈ £75per month (9% of £10,000)

Applying

How the funding gets sorted

This is the part people dread. It's the part we do with you.

1

We check what you may be eligible for

Eligibility depends on your residency, your status in the UK and whether you've studied at this level before. We go through your situation with you first — no guessing.

2

We help you apply to Student Finance England

We walk you through the application, explain each section, and make sure the right documents are attached so it isn't delayed.

3

Your funding is confirmed

Tuition goes straight to your university; your maintenance loan is scheduled to you. You start your course with the money side already in place.

Eligibility isn't automatic. Whether you qualify — and for how much — depends on your individual circumstances. We assess your situation honestly and tell you what to realistically expect. We can't and don't guarantee funding.

Funding questions

The things people ask

Do I have to pay anything up front?
For most eligible students, no. The tuition fee loan is paid straight to your university and the maintenance loan comes to you. You repay later, only once you're earning above £25,000 a year.
What if I've studied at this level before?
Previous study can affect how much funding you're entitled to. It doesn't automatically rule you out — the rules have exceptions. We check your specific history as part of your enquiry.
Does the maintenance loan depend on my income?
The amount is based on your household income and where you'll study. London rates are higher because living costs are higher. We help you understand which band you're likely to fall into.
Is this debt that follows me forever?
Repayments stop whenever your income drops below the threshold, and any remaining balance is written off at the end of the repayment term. It behaves more like a graduate contribution than a traditional loan.
Can you guarantee I'll get funding?
No — and be cautious of anyone who does. Funding is decided by Student Finance England based on your circumstances. What we can do is check your situation, help you apply correctly, and give you an honest read on your chances.

Let's check what you're eligible for

Share a few details and we'll assess your funding options with you — free, and with no obligation to proceed.

Check my eligibility

All figures on this page are for the 2026/27 academic year, are provided by Student Finance England, and are subject to change. They are shown for general guidance and do not constitute financial advice or a guarantee of funding. Your entitlement depends on your individual circumstances. For official information, refer to the UK government's Student Finance service.