Domande frequenti
UK Student Enrollment FAQs: Requirements, Process & Tips
Get answers to common questions about enrolling as a student in the UK.
Learn about eligibility, application processes, documents, and key deadlines.
About
How much is the cost of my studies?
Your university or college sets your tuition fee, and the loan is paid directly to them. If you’re a full-time student and started your course after 1 August 2025, you can get up to £9,535.
How can I afford to go to university?
What is an undergraduate loan & how do I receive the money?
An undergraduate loan is a sum of money that students can access in order to cover their tuition fees and life expenses. The money is paid directly to your institution in 3 instalments per year. The government will provide the money upfront for any eligible student who secures a place in higher education. The funding for life expenses is called a maintenance loan and we will cover that in the following sections.
Can I receive other support?
You can also get other financial support such as a loan for living costs which can help cover your daily expenses (such as accommodation, food, travel and course materials).
The maximum Maintenance Loan available in 2025–2026 is:
- £8,877 if living with parents
- £10,544 if living outside London
- £13,762 if living in London
You may also qualify for an income-assessed non-repayable grant to help with these costs.
Can I pay by myself my tuition fees in full or partially?
Yes, but you’ll need to make your own arrangements with the university or college to pay any tuition fees.
Migrant Workers
Who is an EEA Migrant Worker?
Simply put, a Migrant Worker is a national member of a EU/EEA state who has moved to another UK for work.
Which countries are in the EEA?
The United Kingdom (UK) was a member of the European Economic Area (EEA) from 1 January 1994 to 31 December 2020, following the coming into force of the 1992 EEA Agreement).
Swiss Nationals and their children have similar rights to EEA nationals.
When will evidence be needed?
Evidence is required at the start of the academic year and the month prior to the start of each term. For example, September course starters would be required to provide evidence of worker status at the beginning of the academic year, and afterwards, in December and March.
What evidence can be provided?
Students or their family members who are self-employed can provide a body of evidence that demonstrates their business activities for the required month. This can include business bank statements, invoices, receipts and expenses.
Students or their family members who are paid monthly should provide a letter from their employer at the start of the academic year. We cannot accept the previous month’s payslip because we need to be sure that the individual is still working at the start of the academic year. For terms two and three, we will accept the previous month’s payslip for customers who are paid monthly.
The employer’s letter, for the start of the academic year, needs to be dated for that month and should confirm that the individual is in continuous employment, as well as his or her working pattern. If the letter indicates that the individual has reduced their working hours since the first review of their application, we may ask for payslips to determine continued eligibility.
Do I need to be ‘ordinarily resident’ in England on the first day of the first academic year of the course?
Yes, in order to qualify as an EEA Migrant Worker you must be living in England on the 1st of September of the first academic year in the course. Additionally, you must have been ordinarily resident in the UK or the EEA and/or Switzerland for three years before the first day of the first academic year of the course. Temporary absences outside of the UK/EEA may be ignored, and you can be ordinarily resident in more than one place at the same time, but Student Finance England will require evidence of this.
So if you first started living in England after 1 September of the year you started your course, you will not be able to qualify as a Migrant Worker for your current course even if you start working.
What kind of work must I be doing?
You must be working in the UK, either full time or part time. You can work for an employer or be self-employed. However, Student Finance England has a benchmark of a minimum annual income of £10,800 and a minimum threshold of 24 working hours a week to qualify as a Migrant Worker. These figures are not in the Student Support Regulations, so if you earn less than this amount or work fewer hours your application might still be considered. This will depend on your particular circumstances. Short-term, vacation or part time student jobs are highly unlikely to meet the criteria.
Which payments will be blocked and when?
All student finance payments, including Grants for Dependants and Disabled Students Allowances payments will be blocked following the first assessment approval and payment.
Once evidence has been accepted for the next term. the block will be lifted and the payments scheduled. Payments for the following terms will then be blocked until evidence has been accepted for the following terms. (Grants for Dependants and Disabled Students Allowances payments will not need to go through a reassessment process).
What happens if a migrant worker student or family member ceases employment?
In most cases, entitlement will cease from the date the employment ends, with the exception of redundancy, illness or maternity leave, where the status will be retained for the entire academic year as appropriate subject to evidence. We might individually communicate with students, asking for further evidence.
What happens if the migrant worker changes employment or reduces their hours/income?
Evidence of new employment will need to be provided (contract & payslips), along with evidence of when the previous employment ended (P45) for the student or their family member. If the level of income or working hours have been reduced, this will be reviewed to determine if it affects eligibility for student finance.
Are there any deadlines?
Students will not have their next instalment of funding released for maintenance or tuition fees to the Higher Education Provider until the required evidence has been accepted. If no response is received, SLC will review these students separately.
Loans to help with tuition costs
What is a tuition fee loan and what is the maximum student loan amount?
It is a loan from the government that covers the cost of your higher education tuition. It’s available for eligible students studying for their first degree. This means that you don’t have to find the money to pay for your tuition costs before or while you are studying. Moreover, if you started your course after 1 August 2025, you don’t have to start repaying the loan until you are earning over £25,000 a year.
Who can get a tuition fee loan?
What do you mean by ‘eligible’?
Can I apply if I already hold a higher education qualification?
What is the maximum undergraduate student loan amount?
How do I apply for the loan?
When do I need to apply?
How does the money for my course get paid to the university/college?
When will the money be paid?
Can I apply for a loan for tuition fees every year while I’m studying?
When do I start repaying the loan for tuition costs?
How do I make repayments?
Do I pay back my tuition loan separately from my loan for living costs?
Do I pay undergraduate and postgraduate loans together?
Can I get student loans for a second bachelor’s degree?
Loans to help with living costs – full-time students only
What is a loan for living costs?
It is a loan that is meant to help with expenses associated with going to university, things like accommodation, food, travel and course materials.
How much funding can I get through this loan?
The amount you can get is based on where you live and study and on your household income. The maximum amount you can get per year is established based on the following categories:
- Living away from home and studying in London;
- Living away from home and studying outside London;
- Living at home;
- Studying abroad as part of your UK course;
The maximum amount you can get depends on where you live.
2025 to 2026 academic year
Living with your parents – Up to £8,877
Living away from your parents, outside London – Up to £10,544
Living away from your parents, in London – Up to £13,762
I’m a full-time student studying by distance learning. Can I get a living cost loan?
No. New students beginning full-time distance learning courses can get a loan to cover the full amount of their tuition costs, but cannot apply for living cost loans.
How will I receive my living cost loan?
The money will be paid directly into your bank or building society account in three instalments – usually one at the start of each term.
When you become liable — How much you’re liable for
- At the start of term 1 — 25% of the tuition fee
- At the start of term 2 — 50% of the tuition fee
- At the start of term 3 — 100% of the tuition fee
I don’t have a bank/building society account, so what do I need to do?
You’ll need to set up an account with a bank or building society, as this is the only way the money can be paid to you.
Can I apply for a living cost loan every year while I’m studying?
Yes, normally you can apply for a living cost loan every year of your course. There are some exceptions, for example for longer courses such as medical degrees where different packages of support are available in later years. Check with your university or college if you are unsure what support is available for you.
When do I start repaying the living cost loan?
If you started your course after 1 August 2025, you will not have to pay back anything until you are earning over £25,000 a year.
See our section on repayments for more information.
How do I make repayments?
If you are employed, your repayments will be taken out of your salary every month. Remember, if you started your course after 1 August 2025 and if you do not earn over £25,000 a year, you don’t have to make any repayments. If you are self-employed, separate arrangements are in place with HMRC to make your repayments.
What happens if I don’t finish my course?
Even if you don’t finish your course, you have to pay back the money you have borrowed, but not until you earn over £25,000 a year (if you started your course after 1 August 2025).
Do I pay back my living cost loan separately from my tuition loan?
No, the two loans are added together, so you only make one repayment.
Non-repayable financial help
What non-repayable financial help is available?
Additional financial help is available only for students with disabilities and students with children or adult dependents.
If you are a full-time student with specific needs (for example, if you have a disability, a specific learning difficulty or have children), you may be entitled to additional financial support. Part-time students with disabilities or specific learning difficulties may also be entitled to additional support.
Do I have to pay back the non-repayable financial help?
No, you don’t have to pay this money back.
Can I apply for non-repayable financial help every year while I’m studying?
Yes, normally you can apply for support for every year of your course. There are some exceptions, for example for longer courses such as medical degrees where different packages of support are available in later years. Check with your university or college if you are unsure what support is available to you.
What do you mean by ‘eligible full-time student’?
Whether you are eligible will depend on factors such as where you live, the course you choose to study, where you study, and whether or not you already hold a higher education degree.
I’m a full-time student studying by distance learning. Can I get other support?
No, new students beginning full-time distance learning courses will be able to get a loan to cover the full amount of their tuition costs, but cannot apply for a living cost loan.
I haven’t got a bank/building society account, so what do I need to do?
You’ll need to set up an account with a bank or building society, as this is the only way the money can be paid to you.
Rimborso
When do I start repaying my loan?
If you’re starting your course on or after 1 August 2025, you only start repaying your loan starting with the month of April after you graduate and only if you earn over £25,000 a year.
If you’re a full-time student, you’ll be due to start repaying your loan the April after you finish or leave your course. If you’re a part-time student, you’ll be due to start repaying in the month of April four years after the start of your course or the April after you finish or leave your course, whichever comes first.
For those who finish their course earlier, the Student Loans Company will apply interest at RPI only (rather than Retail Price Index (RPI) starting with the month of April after you finish your course. The interest applied to your loan balance will depend on your income.
How do I make repayments?
If you are employed, your employer will calculate your repayment and deduct it from your salary every month through the tax system. If you are self-employed, separate arrangements are in place with HMRC to make your repayments.
How much will my repayments be?
If you started your course after 1 August 2025, you repay 9% of your income above £25,000. So, for example, if your salary was £30,000, the 9% would only apply to £3,000, meaning you would repay £37.5 per month. The following scheme shows some salaries and typical repayments.
Income per year before tax – Monthly income before tax – Approximate monthly repayment
- £25,000 – £2,083 – £0
- £28,000 – £2,333 – £5
- £29,500 – £2,458 – £16
- £31,000 – £2,583 – £27
- £33,000 – £2,750 – £42
How long will it take me to repay my loan?
Since the repayments you make will be based on your income, it depends on the size of your loan and how much you earn after you finish your studies. After 40 years, any unpaid balance will be written off.
What rate of interest will I be charged on my loan?
Interest on your loan will be applied at inflation (RPI – Retail Price Index). Starting from the month of April after you leave university, if you started your course after 1 August 2025 and if you are earning below £25,000, interest will be applied at the rate of inflation.
What happens if I lose my job or take a career break?
If you started your course after 1 August 2025 and if your salary falls below £25,000 a year, your repayments stop. So if you take a career break or if you are unemployed, your repayments will be suspended until you are earning over £25,000 again.
What if I decide to take a pay cut and my salary falls below the £25,000 threshold?
If you started your course after 1 August 2025 and and if your salary falls below £25,000 a year, your repayments will be suspended until you are earning over £25,000 again.
Do I have any control over how much I pay back every month?
You don’t have control over how much you repay each month, as when you are employed and earning over the threshold a year, repayments will come directly out of your salary.
If you are self-employed, separate arrangements are in place with HMRC to make your repayments.
Can I make additional repayments?
Yes. You can make additional repayments by credit or debit card at any time, directly to us, by using the Make a Payment service. For more information about other available methods of repayment, visit the payment options section of the student loan repayment website.
How do I repay if I live overseas?
If you are employed overseas or are out of the UK tax system, you will make student loan repayments directly to us. For more information, see the section on income based loan repayment from overseas.
What should I do if I think I have nearly paid off my loan?
You can login to your student loan repayment account using the login link on this page, and use the Balance Calculator to work out how much you have left to pay.
If you are within a few months of paying your loan off in full, or if you have already paid it off, you should contact student finance with details of all the repayments you have made since the date of your last statement.
Students studying in Northern Ireland, Scotland & Wales
Applying for your student finance depends on where you are normally resident when you first apply:
England or an EU country – Student Finance England
Northern Ireland – Student Finance Northern Ireland
Scotland – Student Awards Agency for Scotland
Wales – Student Finance Wales
I currently live in England but want to go to university in Northern Ireland, Scotland or Wales – can I apply for financial support?
Yes, you can apply for a loan to cover the full amount of your course costs, a living cost loan and other non-repayable living cost grants depending on your circumstances.
Other types of support
I have a disability – can I get any extra financial support?
Disabled Students’ Allowances (DSAs) are available to help you if you are doing a higher education course and will incur extra costs because of a disability (including a long-term health condition, mental health condition or specific learning difficulties such as dyslexia).
DSAs are paid in addition to the standard student finance package and are available if you are studying on a full-time, full-time distance learning or part-time course. They do not depend on income and do not have to be repaid.
I’ve got children – will I get extra financial support?
A Childcare Grant is available for full-time higher education students who have dependent children in registered or approved childcare. The grant pays 85% of actual childcare costs in term times and holidays up to a maximum amount per week.
If you are a parent studying a full-time course you may also be entitled to the Parents’ Learning Allowance to help with course-related costs. The Childcare Grant and Parents’ Learning Allowance are both income-assessed and don’t have to be repaid.
I’ve got an adult dependent – will I get extra financial support?
If you are studying a full-time course and have a husband, wife or partner or another adult who depends on you financially you may be entitled to an Adult Dependants’ Grant. The grant is income-assessed and doesn’t have to be repaid.
Is there help available if I get into financial difficulties?
The Access to Learning Fund is a discretionary fund administered by universities and colleges which can provide help for students in financial difficulties who may need extra financial support to stay in higher education.
General questions
Why get saddled with debt since there are no graduated jobs to go to?
The current job market is a tough one. But having a degree does improve your chance of getting a job and research shows that over the long term graduates earn on average substantially more than non-graduates.
Will loan repayments affect my ability to get a mortgage?
The Council of Mortgage Lenders has advised that a student loan is very unlikely to impact materially on an individual’s ability to get a mortgage. The amount of mortgage available may depend on net income.
Will loan repayments affect my ability to take out a loan?
This will be a decision of the loan provider, but student loan information won’t be shared with credit reference agencies by Student Finance England.
We’re paying more, but we’re getting nothing in return. Why?
The reforms to higher education will make the experience of going to university better as it places more power in your hands. The changes also aim to widen participation and make repayments more manageable by raising the earnings threshold as borrowers begin to repay their loans. In the future, student choices will shape higher education. So, it will be in every university’s interest to persuade potential students that its teaching arrangements, facilities and undergraduate support are worth the investment.
Universities will have to provide students with more information about things like contact time and the jobs that their graduates head towards.
I’m worried that the course I want is going to be axed because only the most popular courses will survive. Is that true?
Students will ultimately decide which courses are offered because universities will need to respond to demand – where there are courses that attract students, they will not cease to exist. There is already a very diverse choice of courses and there is no reason why these will not continue. Some courses are of strategic importance to the country and the government will put in place measures to protect those.
What will happen if my income drops?
Maintenance Loans are based on your household income. For example, if your income in tax year 2022-23 is likely to be at least 15% lower than current tax year, we can assess your household income based on what you estimate your income will be.
Where can I go to find out how much courses will cost?
You should contact the institution where you want to apply for further information.
If I move abroad, what will happen with my loan?
You’ll pay 9% of any income over the repayment threshold for the country you’re living in. Because of differences in living costs, the repayment threshold in another country is different from the UK threshold.
Is a postgraduate loan different from an undergraduate loan?
Yes, they refer to different levels of studies, so they are different. We have an FAQ section dedicated entirely to postgraduate loans, feel free to check it out!
Loan ammount and payments
What is a postgraduate loan?
Postgraduate loans are funds that can help you cover your course fees and living costs if you choose to pursue a master’s degree in the UK.
Does student finance cover master’s courses?
Yes, you can access government funding in the form of student finance to cover tuition fees for your master’s courses in the UK.
Will the loans cover the full cost of studying a Masters degree?
The government is offering loans as ‘a contribution to the cost of an eligible postgraduate Masters qualification’. You can use a loan for tuition fees, living costs and other study expenses as you see fit. In practice, if your course starts on or after 1 August 2025, the £12,858 (maximum amount) should be sufficient to cover tuition fees for most eligible taught Masters programmes (calculated at an average of just over £8,000 by research carried out in support of the consultation). However, it will not necessarily cover all of your accommodation and living costs. Some Masters courses may also cost more than £12,858. This is particularly likely for MBA programmes.
Do I have to borrow the full £12,858?
No, £12,858 is the maximum amount you can borrow if your course starts on or after 1 August 2023. If you wish to borrow a smaller amount to cover fees (or living costs), you will be able to do so.
There is no minimum loan amount.
Can I change the amount I wish to borrow?
Yes, you can change the amount you wish to borrow from the first day of your academic year. You have up to 9 months to change the amount you have decided to borrow. This must be done via a loan request form, it cannot be changed online.
Are the loans means-tested?
No, the postgraduate Masters loans are not means-tested. You can apply regardless of your existing income or savings.
Will my credit rating or credit history be taken into account?
No, the decision to lend to you won’t be based on your personal credit rating or credit history.
The only exception applies if you are already in arrears with the Student Loans Company. This may apply if you have missed payments or travelled outside the country without informing the SLC. If so, you should contact them and discuss your account.
Can I combine a Masters loan with other funding or finance?
In some cases, yes. Receiving other postgraduate funding or finance from your university or a third party (such as a charity) won’t normally affect your eligibility. However, if other public funding is available for the whole of your course, you may not be able to apply for a postgraduate loan. This is one of the reasons why integrated and undergraduate Masters are not eligible.
Note that this information only concerns your eligibility for a postgraduate Masters loan. It is possible (though unlikely) that taking out a loan may affect your eligibility for other grants or finance.
Can I still receive Disabled Students’ Allowance (DSA)?
Yes. Your entitlement to Disabled Students’ Allowance is distinct from any other financial support you receive.
Can I receive a postgraduate loan if I am eligible for an NHS bursary?
Possibly not. Some NHS bursaries – for subjects such as nursing and midwifery – supersede postgraduate loans. Check with your provider for more information.
Am I eligible for a postgraduate loan?
Probably yes, most students in the UK fulfilling certain conditions are eligible. If you are not sure, contact us and we can check your eligibility for free.
Can I apply if I already have an undergraduate loan?
Yes. The new system is designed to be an affordable option for graduates who want to continue on to further studies. Repayments will not occur until you are earning enough to afford them.
How will I be paid?
Your loan will be distributed in three instalments per academic year: Students on one year, full-time, Masters programmes will receive £12,858 (if their course starts on or after 1 August 2025) in three instalments. These will be split into 33%, 33% and 34% of your total loan amount.
Loan payments will be made directly into your bank account. You will then be responsible for using the money to meet tuition fees and other expenses as you see fit.
You will receive the first instalment of your loan payment when your university confirms your attendance on the course.
Note that if you do not currently have a UK bank account, you will need to open one in order to receive postgraduate payments. This applies to all students, including those from outside the UK. You can apply for a loan without having a UK bank account, but you will need to subsequently open one.
What will happen if I don’t complete my Masters?
Payments will be subject to confirmation of attendance provided by your institution. They will cease if you exit your programme early or transfer to an ineligible course.
If you exit your programme early, you will still be liable for your loan and must repay any amount you have borrowed as normal.
Can I receive an additional loan amount to repeat a year of my course?
In most cases, no. You may be able to increase your loan amount, but you would not be able to borrow more than the maximum of £12,858 if your course starts on or after 1 August 2025. Your course will also need to last less than two years full-time or four-years part time.
Exceptions may be made if you can demonstrate compelling personal reasons. Decisions will be made by Student Loan Company assessors on a case-by-case basis.
Can I transfer between Masters courses and take my loan with me?
Yes, you can maintain your loan when transferring Masters, provided both courses are eligible and you are not repeating the same component of a course. It will not normally be possible to exit one course and apply for a fresh loan to complete another.
When do postgraduate loan applications open?
Applying for financing as soon as possible may be a smart move if you are considering postgraduate studies. You do not need to have applied for the course fully in order to obtain the loan. However, you must be enrolled in a course in order to receive any payments.
Student eligibility
Puoi ottenere un finanziamento studentesco per un master?
Yes, you may be eligible to access student funding when pursuing higher education in the form of master’s courses. These are called postgraduate loans.
When is the cut-off point for the age restriction?
In order to be eligible for a postgraduate loan, you will need to be under 60 at the beginning of the academic year in which you begin your Masters course.
I already have a Masters degree, will I be able to apply for a loan to study a different subject?
Unfortunately, not. The new loans aim to broaden access to postgraduate education for new students. However, possession of a Masters degree will not prevent you from receiving a separate PhD loan.
What if I already hold a non-Masters postgraduate qualification, such as a PGDip, PGCert or PGCE?
The restriction on applying for a loan with existing postgraduate qualifications only applies to full Masters degrees. You should still be able to apply for a loan to study a new Masters if you already hold a postgraduate qualification below Masters Level – such as a postgraduate certificate or diploma. Remember though, you won’t be able to receive a loan to study one of these courses.
Can I receive a loan to ‘upgrade’ my PGCert or PGDip to a Masters?
No, you can’t receive a loan for a part of a Masters degree, only for a full course. You can still apply for a loan to study a new Masters after completing a PGCert or PGDip, but this will need to be a full degree.
What if I already hold a higher level postgraduate qualification, such as a PhD?
The same restriction applies to PhD holders as to those with existing Masters degrees. You will not be able to apply for a Masters loan if you already hold a qualification at Masters Level or above.
I’m already studying for a Masters – can I apply for a loan in the second year of my course?
Unfortunately not. The new loans are designed to make postgraduate study more accessible and won’t be available to existing Masters students.
Are students from Scotland, Wales or Northern Ireland eligible?
These postgraduate loans are intended for English students. However, eligibility is based on English-residency, not English-nationality. If you are Scottish, Welsh and Northern Irish, but normally live in England, you will be able to receive a loan.
In order to be eligible, you must have been ordinarily resident in the UK for at least three years on the first day of the academic year in which your course begins. In addition, you must have most recently been resident in England.
Are students from the Channel Islands and the Isle of Man eligible?
Yes, postgraduate loans are available to citizens of the UK and its islands, subject to normal residency criteria.
How do loans work for EU students?
You will need to have been resident in the EU, EEA or Switzerland for at least three years prior to the beginning of your course. Periods of residency that are purely for the purpose of education will not count towards this three year requirement.
Note that EU students will normally only be able to receive loans to study a Masters at a university in England. This includes on-campus and distance learning options.
Exceptions may apply if you have been ordinarily resident in England for three years prior to the beginning of your course. If so, you will count as an English-domiciled student and can take out a loan to study anywhere in the UK.
Are EEA and Swiss students eligible?
Yes. Citizens of non-EU EEA countries (Iceland, Liechtenstein and Norway) and Switzerland may be eligible. You must be working in the UK, have worked in the UK or have sought work in the UK. In addition, you must be ordinarily resident in England at the start of your course (in the same way as a UK student).
Does the EU referendum result and ‘Brexit’ affect EU eligibility?
You can apply for the Postgraduate Master’s Loan if all of the following are true:
- you’re a UK national or Irish citizen or have settled status under the EU Settlement Scheme or indefinite leave to remain so there are no restrictions on how long you can stay you normally
- live in England
- you’ve been living in the UK, the Channel Islands or the Isle of Man for 3 years in a row before the first day of the first academic year of your course (apart from temporary absences such as holidays)
Are other international students eligible?
Under normal circumstances, Masters loans will not be available to other international students in the UK. In order to be eligible, you will need to be a UK national or EU citizen, as above.
Exceptions may apply if you have the right to reside permanently in the UK. This could result in refugee status or other humanitarian protection. Family members of EU citizens may also be eligible for loans.
Your university’s international office may be able to provide help if you are unsure what conditions apply in your case.
What are the residency criteria?
The postgraduate loans introduced in 2016 are only for English students. To be eligible as a UK student you must be ordinarily resident in the UK for three years before you begin your Masters. In addition, you must be most recently resident in England.
EU students must have been ordinarily resident in the EU, EEA or Switzerland for three years prior to their course. EEA and Swiss students must be resident in England and have been living in the UK for three years.
What if I’ve studied an undergraduate degree elsewhere in the UK?
Students who have studied (or are studying) in Scotland, Wales or Northern Ireland will be eligible for a Masters loan, provided they are normally resident in England. Time spent studying elsewhere will be regarded as a temporary absence and will not affect your English-domiciled status.
Per esempio: You normally live in Swindon, but have spent three years studying a Bachelor’s degree in Cardiff, you will be eligible to receive a Masters loan, because you are ordinarily resident in England (not Wales).
What if I normally live in Scotland, Wales or Northern Ireland, but have studied in England for three years?
Residence in England that is purely for purposes of study will not qualify you as ordinarily resident.
Per esempio: You normally live in Dundee, but have spent three years studying a Bachelor’s degree in Canterbury. You won’t be eligible to receive a Masters loan, because you are ordinarily resident in Scotland (not England).
What if I have moved to England from elsewhere to study, but subsequently remained in the country?
You may be eligible for a loan in England if you can prove that you are already living there normally. This means that you haven’t remained in the country purely to access a loan. The Student Loans Company’s assessors will judge this on a case-by-case basis.
Per esempio: You previously lived in Belfast, but moved to Oxford to study for a Bachelor’s degree which you finished last year. You have remained in the city to work and have now decided to study for a Masters degree. You may be eligible for a loan, as England has become your ordinary place of residence. Student Loan Company assessors will consider your case.
What if I move to England in advance – will I count as being resident for the purposes of a loan?
Probably not. Your address history would show that you have moved to England very recently, which would appear suspicious. You would need to convince assessors that you had moved to England for another reason and hadn’t originally intended to study. This is unlikely to be convincing.
Per esempio: You normally live in Edinburgh. Hearing that postgraduate loans will be available for English residents, you move to Portsmouth. Your address history shows that you have only lived in England for only a few months perhaps and that you were not there for any clear purpose. You are judged to have moved for the purposes of study and are deemed ineligible for a loan. We do not recommend that students relocate purely for the purposes of loan eligibility.
How will my residency be checked?
The application process for the loans will ask you for three years of address history. This will be used to determine your ordinary place of residence. In most cases this will be a simple process, but the Student Loans Company’s assessors will review your evidence if necessary.
If any periods of residence outside England are temporary, you will be able to prove this (see below).
Can I base my residency on my parents’ address?
No, your parents’ address will not count as proof of residency unless it is also your own ordinary residence.
What if I have had temporary periods of absence from England or the UK?
Temporary absences or changes of address will not make you ineligible for a loan. However, you will need to demonstrate that they are temporary. Examples of temporary absences could include:
- Holidays or leisure travel (you can support this with evidence of short-term accommodation, travel receipts or visa documents, as appropriate).
- Temporary employment (fixed term contracts or statements from employers may support this).
- Periods of study (for example, time spent studying a Bachelors degree outside England).
What are the residency rules for EU students?
EU students will need to have been normally resident in the EU, EEA or Switzerland for three years.
You do not need to have been most recently resident in England. But, if England is your normal place of residence, you may be assessed as an English-domiciled student. If so, you will be able to study anywhere in the UK (EU students are normally restricted to studying in England).
Programme eligibility
Which are the eligible courses that qualify for a postgraduate loan?
The following list summarises the information in this FAQ, offering a quick ‘at a glance’ look at course eligibility for postgraduate loans.
UK Masters loans – course eligibility — Funded? (Yes/No)
- MA – Master of Arts – Yes
- MSc – Master of Science – Yes
- MBA – Master of Business Administration – Yes
- MEd – Master of Education – Yes
- MFA – Master of Fine Arts – Yes
- MLitt – Master of Letters – Yes
- MMus – Master of Music – Yes
- MPhil – Master of Philosophy – Yes
- MRes – Master of Research – Yes
- MSc (Eng) – Master of Science in Engineering – Yes
- LLM – Master of Law – Yes
- GDL – Graduate Diploma in Law – No
- LPC – Legal Practice Course – No
- MArch – Master of Architecture – No
- MEng – Master of Engineering – No
- PGCert – Postgraduate Certificate – No
- PGCE – Postgraduate Certificate in Education – No
- PGDip – Postgraduate Diploma – No
- PhD – Doctor of Philosophy – No
Are loans available for an MBA?
Yes. MBA (Master of Business Administration) degrees are eligible for postgraduate loans. However, the full cost of an MBA programme for the academic year 2025/2026 will often be greater than the maximum £12,858 you can borrow.
Are loans available for MRes?
Yes. MRes (Master of Research) degrees are eligible for postgraduate loans regardless of whether a university defines them as taught or research qualifications.
Are loans available for an MPhil?
Yes. The MPhil (Master of Philosophy) is regarded as a Masters-level research degree, at level 7 of the UK’s Qualification Framework. This means that MPhil degrees are eligible for loans. Note that this only applies to ‘standalone’ MPhils. If you are registering as an MPhil student with the intention of upgrading to a PhD, you will not be able to receive a Masters loan. You will be able to receive a PhD loan instead.
Are loans available for a PGCert or PGDiploma?
No. Postgraduate loans are only available for full Masters degree programmes. These courses are usually worth 180 credits and include a dissertation or equivalent individual project. Loans will not be available for shorter postgraduate courses such as Postgraduate Certificates or Postgraduate Diplomas.
Are loans available for a PGCE?
No. Postgraduate Certificate in Education (PGCE) courses and other initial teacher training (ITT) qualifications are covered by other funding from the Department for Education. Note that you can receive a loan to study a postgraduate Master of Education (MED) degree.
Are loans available for an LPC?
Possibly. Postgraduate loans are not available for courses below Masters level. This includes shorter diplomas and certificates such as the LPC (Legal Practice Course). However, many LLM (Master of Laws) programmes include an LPC qualification. In such cases you can take out a loan for an LLM and receive the LPC as part of it.
Are loans available for a GDL?
No. The GDL (Graduate Diploma in Law) is a Postgraduate Diploma, not a full Masters degree and is thus not eligible for a Masters loan.
Are loans available for integrated Masters degrees?
No. These are defined as undergraduate, rather than postgraduate courses. As a result, they will not be eligible for postgraduate loans. However, you can usually receive an undergraduate student loan to complete a four year Masters programme.
Are loans available for an MArch?
Not for full-time courses. The MArch (Master of Architecture) is normally an integrated Masters course. These are already supported by undergraduate finance (see above). However, part-time MArch courses may be eligible.
Are there any subject restrictions?
No. You can study any academic, professional or vocational subject, provided it awards a full postgraduate Masters degree.
Can I get a second postgraduate loan?
It might be more complicated to get a second postgraduate loan but there are certain conditions and circumstances that may make you eligible. Please contact us for more information and we’ll be able to check your personal eligibility.
Are loans available for Masters qualifications integrated within a PhD programme?
No. You can only receive a loan to study a standalone Masters degree. The new doctoral loans will be available for separate PhD programmes that also award Masters degrees. However, you will not be able to take out multiple student loans for the same programme.
Study location
Can I receive a loan to study a Masters in Scotland, Wales or Northern Ireland?
Students who are ordinarily resident in England can receive a loan to study at any UK university. Other non-UK EU, EEA and Swiss students can study at universities in England, provided they have been ordinarily resident in the EU, EEA or Switzerland.
Other parts of the UK have begun considering their own postgraduate loans. In addition, other forms of funding and financial support are already available to study a Masters at one of the many excellent universities in Scotland, Wales and Northern Ireland.
What are the location requirements for distance learning Masters courses?
Distance learning programmes can be awarded by any UK university, but you must start them as an English resident. This means you must be a resident in England on the first day of your course.
Can I receive a loan to study a Masters outside the UK, or for a course that includes an overseas component?
In order for your degree to be eligible for a postgraduate loan, it must be delivered and awarded by a UK university. You can still receive a loan to study a Masters that includes an overseas placement or exchange, provided this does not account for more than 50% of your course.
Part-time courses
Do part-time students receive the same loan amount?
Note that you won’t receive additional payments if your Masters lasts longer than two years. Your full loan will be paid out in the first two years of your programme, regardless of its total length.
What counts as studying at 50% intensity?
In order to qualify for a part-time Masters loan, you need to be studying at an average intensity of 50%. Simply put, this means that you need to progress through your course at least at half the ‘speed’ of someone studying it full time. Or, to put it the other way around, your degree must take no more than twice as long to complete part-time as it would full-time.
In practice, this means that:
- A one year Masters would take no more than two years part-time.
- A two year Masters would take no more than four years part-time.
The vast majority of part-time Masters programmes will already be organised in a way that meets these requirements. Note that your course doesn’t need to be evenly split across each year of study.
Can I receive a loan to study a full-time Masters that lasts longer than a year?
Yes, two-year Masters courses will be eligible for loans. This is the case regardless of whether they are classed as taught or research programmes. Note that the total amount you can borrow is still set at £12,858 if your course starts on or after 1 August 2025. If your course lasts longer than a year, your loan amount will be distributed across the first two years of your course.
Rimborso
RPI stands for ‘Retail Prices Index.’ It is an annual percentage measure of inflation, based on the price of goods and services in the UK. Interest rates for the postgraduate Masters loans are to be set at RPI. This means that the interest charged on the balance of your loan will be the current RPI percentage. In practice this is a favourable interest rate, intended to beat the market cost for a debt of an equivalent amount.
Interest will begin accruing on your loan as soon as the first payment is made to you by the Student Loans Company.
Repayments for Masters loans will be due from April in the year after you complete your course. However, repayments for the first set of postgraduate loans will not begin until 2026. This means that, if you take out a loan for a one-year Masters in 2024-25, you will have one repayment-free year after you graduate. You may make voluntary early repayments if you wish. For postgraduate loans, if you earn above £21,000 annually (or £1,750 per month or £403.84 per week), students replay 6% of the amount they earn over the threshold.
You will still repay your loan if you are self-employed. Instead of being automatically deducted from your salary, repayments will be calculated when you complete your annual self-assessment tax return.
The proposed postgraduate loan scheme is designed on the principle that recipients will eventually repay their loans in full. This represents the government’s confidence in the financial value of a postgraduate degree and the future earning power of Masters graduates.
Your student loan debt will eventually be written off after 40 years, but the vast majority of graduates will already have repaid their loan by this point.
Come funzionano i prestiti studenteschi
Cos'è il finanziamento studentesco e come funziona?
I prestiti studenteschi non funzionano come gli altri prestiti. Sono concessi dal governo e ti offrono maggiore protezione rispetto ai prestiti che ottieni per comprare una casa o un'auto.
Per esempio:
- Non dovrai rimborsare nulla finché non lascerai il tuo corso e il tuo reddito sarà superiore a £25.000, noto come soglia di rimborso
- Le tue rate mensili si basano su quanto guadagni e non su quello che devi, paghi il tuo prestito gradualmente nel corso degli anni
Chi eroga i prestiti agli studenti?
I prestiti studenteschi in Inghilterra sono gestiti dalla Student Loans Company (SLC). Una parte della SLC, chiamata Student Finance England, gestisce le domande e distribuisce il denaro mentre studi. Una volta che hai finito gli studi, il saldo totale del tuo prestito viene gestito dalla SLC, che si occupa anche dei rimborsi.
Cosa sono esattamente i prestiti studenteschi?
Il governo fornisce prestiti per coprire le tasse universitarie e le spese di sostentamento degli studenti. Un prestito studentesco consente il rimborso ogni volta che ti laurei o abbandoni il corso e guadagni più della soglia di rimborso. Questo è un vantaggio. L'importo del rimborso mensile è determinato dal tuo reddito, non dal tuo debito.
Gli studenti che iniziano nell'agosto 2025 inizieranno a rimborsare i loro prestiti non appena guadagneranno più di £25.000 all'anno. Quindi, se guadagni meno di questa cifra, non dovrai rimborsare nulla. Gli interessi verranno applicati al tuo prestito dal momento in cui lo prenderai.
Per quanto tempo continuano i rimborsi? I prestiti vengono mai cancellati?
Tutto ciò che devi verrà automaticamente cancellato dopo 40 anni. L'importo che rimborsi ogni mese dipende da quanto guadagni, ora quello che devi.
Che cos'è l'interesse e come mi influenza?
Il tuo prestito totale è composto da tutto ciò che hai preso in prestito durante gli studi + gli interessi.
Gli interessi vengono aggiunti a partire dal momento in cui il primo importo viene pagato a te o alla tua università fino a quando il prestito non viene estinto o annullato. L'indice dei prezzi al dettaglio (RPI) misura l'inflazione, che è collegata ai tassi di interesse. L'RPI del marzo precedente viene utilizzato per stabilire il punto di partenza per ogni anno accademico. Il tuo prestito non avrà un tasso di interesse superiore a quello dei prestiti commerciali come le carte di credito o i prestiti personali per l'acquisto di un'auto. Ricorda che gli interessi influenzano solo il tempo necessario per rimborsare il tuo prestito, non l'importo che rimborsi ogni settimana, mese o anno, che è determinato solo dal tuo reddito.
I finanziamenti agli studenti incidono sull'Universal Credit?
Sì, il tuo reddito da studente può influenzare l'importo che ricevi di Universal Credit.
Chi può fare domanda e chi è idoneo?
Quali sono i criteri di ammissibilità?
La maggior parte delle persone ha diritto a un prestito studentesco se soddisfa i criteri. I quattro principali sono:
La tua università/college o corso
Innanzitutto, la tua università o college (o un altro tipo di istituzione) deve essere ‘riconosciuta’ o ‘elencata’. È molto meno complicato di quanto sembri, poiché copre la maggior parte delle università e dei college.
Inoltre, il corso a cui ti iscrivi deve rientrare nell'elenco dei corsi ammissibili forniti dal governo. Di nuovo, la maggior parte dei corsi di laurea sono riconosciuti e idonei al finanziamento. Ma ci sono alcuni criteri diversi se studierai a tempo parziale. Gli studenti della maggior parte dei corsi nella maggior parte delle università saranno idonei per prestiti studenteschi.
Per sicurezza, vai sul sito web del governo per l'elenco completo dei criteri.
2. Indipendentemente dal fatto che tu abbia studiato prima
Gli studenti hanno diritto a un prestito che copre la durata del loro corso più un anno di BONUS nel caso in cui debbano ripetere un modulo.
Se hai già iniziato un corso ma hai dovuto abbandonare l'università, potresti avere diritto a ricevere nuovamente dei finanziamenti. In questo scenario, tuttavia, si applica una formula specifica. Devi calcolare la durata del tuo corso più un bonus di un anno meno il numero di anni per cui hai già ricevuto finanziamenti studenteschi. Ad esempio, se stai richiedendo un corso di 3 anni e in precedenza hai studiato per 5 mesi per un corso diverso, riceverai solo 3 anni di finanziamento. Se stai richiedendo un corso di 4 anni e in precedenza hai studiato per 2 anni per un corso diverso, riceverai solo 3 anni di finanziamento. Allo stesso modo, se stai ripetendo un anno presso la stessa istituzione, potresti avere diritto a un prestito per il mantenimento.
Se hai già completato un corso e ottenuto la tua qualifica, Student Finance England non fornirà finanziamenti per un altro corso allo stesso livello o a un livello inferiore. Tuttavia, offrirà prestiti per tasse universitarie e di mantenimento per qualsiasi corso di livello superiore a quello che hai già completato. L'eccezione a questa regola è se hai abbandonato per “motivi personali convincenti”. In tal caso, potresti avere diritto a finanziamenti per il tuo corso completo indipendentemente da quanto tempo tu abbia precedentemente studiato. Queste ragioni tendono ad essere cose come una grave malattia, piuttosto che il semplice non gradire il corso che stavi seguendo.
Puoi anche metterti in contatto con uno dei nostri consulenti finanziari per studenti. Saranno in grado di aiutarti a calcolare gli anni rimanenti per finanziare un nuovo corso.
3.La tua età
Questo non dovrebbe essere un problema per la maggior parte di voi. Le uniche restrizioni sull'età per i prestiti per il mantenimento riguardano coloro che hanno 60 anni o più. Ma anche in quel caso, potresti ottenere alcuni finanziamenti se studi a tempo pieno.
4.La tua nazionalità e il tuo stato di residenza
Come regola generale, hai diritto sia al Prestito di Mantenimento che al Prestito per le Tasse Universitarie se sei un cittadino britannico (o hai uno ‘status di insediato’), risiedi abitualmente nel Regno Unito (o nelle Isole del Canale o nell'Isola di Man) e lo fai da tre anni prima dell'inizio del tuo corso.
Per maggiori informazioni sull'idoneità visita http://gov.uk/student-finance/who-qualifies o contattaci.
Hai diritto al finanziamento studentesco?
Se soddisfi i suddetti criteri, sei molto probabilmente idoneo. Possiamo verificare la tua idoneità gratuitamente, quindi contattaci direttamente.
Quanti anni di finanziamento studentesco si possono ottenere?
Aggiungendo un anno al numero totale di anni per cui fai richiesta, potrai determinare per quanti anni li riceverai. Dopodiché, sottrai il numero di anni che hai trascorso a studiare. Dovresti contare una frazione di anno come un anno intero di studi.
Come posso annullare la mia richiesta di finanziamento per studenti?
Questo è un caso specifico le cui variabili dipendono dalle tue circostanze particolari. Contattaci per saperne di più.
Come puoi cambiare università con il finanziamento studentesco?
Questo è un caso specifico le cui variabili dipendono dalle tue circostanze particolari. Contattaci per saperne di più.
Puoi ottenere un finanziamento studentesco per un master?
Sì, puoi. Guarda la nostra sezione sui prestiti post-laurea!
È possibile ottenere finanziamenti per studenti per un secondo corso di laurea?
Sì. A seconda del tipo di laurea, degli anni di studio già effettuati e di altri criteri simili, potresti avere diritto a maggiori finanziamenti per studenti. Contattaci per verificare la tua idoneità gratuitamente.
Available funds – what can the loans be used for?
Quali tipi di prestiti posso ottenere?
Gli studenti possono accedere a prestiti per le tasse universitarie e a prestiti per il mantenimento.
Un prestito per le tasse universitarie è un finanziamento che copre i costi di iscrizione e le tasse accademiche.
Il Prestito per le Tasse Universitarie copre il costo del tuo corso e ammonta a un massimo di £9.535 all'anno. I prestiti per le tasse universitarie vengono erogati direttamente alla tua università o al tuo college in tre rate all'inizio di ogni trimestre.
Un prestito per il mantenimento è un prestito concesso alle coppie che stanno divorziando o separandosi per aiutarle a mantenersi finanziariamente durante il processo di divorzio o separazione. Il prestito può essere utilizzato per coprire spese quali affitto, mutuo, utenze, cibo e altre spese essenziali. I prestiti per il mantenimento sono generalmente concessi da banche e altre istituzioni finanziarie. I tassi di interesse sui prestiti per il mantenimento variano a seconda del creditore, ma in genere sono più elevati dei tassi di interesse sui prestiti personali. I prestiti per il mantenimento possono essere un modo utile per le persone che stanno divorziando o separandosi di mantenersi finanziariamente durante il processo. Tuttavia, è importante confrontare i tassi di interesse e i termini di diversi creditori prima di richiedere un prestito.
Il Prestito per il Mantenimento aiuta con le spese quotidiane di uno studente come alloggio, cibo e trasporti. L'importo per cui è possibile fare domanda dipende dalle circostanze personali, come il reddito familiare e dove si vivrà e studierà.
Quando vengono pagati i finanziamenti agli studenti?
Le tasse universitarie vengono pagate all'istituto all'inizio di ogni semestre. I prestiti per il mantenimento vengono accreditati direttamente sul tuo conto bancario all'inizio di ogni semestre.
Quanto finanziamento studentesco riceverai?
La dimensione del Prestito di Manutenzione a cui hai diritto dipenderà dai seguenti quattro fattori:
- Da quale parte del Regno Unito vieni
- Ogni paese all'interno del Regno Unito ha il proprio ente finanziatore per gli studenti. Farai domanda all'ente del paese in cui vivi normalmente quando non sei all'università.
- Sia che tu viva a casa o meno
- Se studi a Londra, puoi richiedere un importo maggiore di prestito di mantenimento fino a £ 13.762. Se studi fuori Londra, puoi richiedere un importo massimo di prestito di mantenimento fino a £ 10.544. Nella maggior parte del Regno Unito (ad eccezione della Scozia), c'è più finanziamento offerto agli studenti che vivono lontano da casa mentre frequentano l'università. Di solito c'è ancora più finanziamento se studierai lontano da casa e a Londra.
- Tuo reddito familiare
- Gli studenti provenienti da famiglie con un reddito più elevato ricevono generalmente pacchetti di finanziamento meno generosi dagli enti di finanza studentesca. Nel frattempo, quelli provenienti da contesti più poveri ricevono solitamente il sostegno più generoso. A seconda di dove nel Regno Unito provieni, questo potrebbe determinare l'entità del prestito di mantenimento che ricevi e/o l'entità della sovvenzione di mantenimento a cui hai diritto (se presente).
- Quanto tempo stai studiando per
- Se ti iscrivi a un corso di laurea accelerato, potresti avere diritto a finanziamenti aggiuntivi per le settimane di studio extra previste ogni anno.
Puoi ottenere un altro sostegno finanziario?
Ci sono anche alcune borse di studio disponibili per determinati studenti, come quelli con disabilità o persone a carico. Le borse di studio sono somme di denaro che non devono essere restituite, come ad esempio:
- Sovvenzione per l'assistenza all'infanzia – solo studenti a tempo pieno
- Sussidio di apprendimento per i genitori – solo studenti a tempo pieno
- Assegno per familiari a carico adulti – solo studenti a tempo pieno
- aiuto extra se stai affrontando difficoltà finanziarie
Per maggiori informazioni sui finanziamenti disponibili, visita GOV.UK/finanziamenti-per-studenti/presenta-domanda.
Come e quando richiedere i finanziamenti per studenti?
Come e quando devo presentare la domanda?
È possibile presentare la domanda online tramite il portale di Student Finance England (SFE), che apre a marzo per gli studenti a tempo pieno. Chi frequenta corsi part-time o di breve durata potrà presentare la domanda più avanti nel corso dell'anno.
Come si fa esattamente per richiedere i finanziamenti per studenti?
Per iniziare il processo di candidatura, devi prima creare un account per il finanziamento studentesco. Prepara le informazioni pertinenti, come un passaporto, il numero di previdenza sociale e i dettagli del conto bancario, per velocizzare il processo.
Dettagli sul reddito familiare (solo se hai meno di 25 anni, sei sposato/a o convivi con un partner) - necessari se stai richiedendo un prestito per il mantenimento o borse di studio - possono essere aggiunti dal tuo sponsor, solitamente i tuoi genitori o il tuo partner.
Qual è la scadenza per il finanziamento studentesco?
Quando si fa domanda per un corso a tempo pieno, è importante presentare la domanda in tempo per garantire che il pagamento venga ricevuto in tempo. Student Finance England opera secondo il principio del "primo arrivato, primo servito" e, sebbene sia possibile presentare domanda fino a nove mesi dopo l'inizio degli studi, si consiglia di farlo prima.
Ogni anno, dovrai accedere al tuo account, verificare che le informazioni siano corrette e richiedere il prestito per quell'anno. Per ulteriori informazioni su come e quando fare domanda, visita GOV.UK/richiedi-finanziamenti-agli-studenti. Offriamo pieno supporto e guida per richiedere prestiti studenteschi. Ti preghiamo di contattarci.
Rimborso
Qual è la rata mensile?
L'intero importo del prestito include tutti i fondi presi in prestito e gli interessi. L'importo del rimborso mensile è determinato dal tuo reddito, non dal tuo saldo residuo.
Quanto debito universitario hai?
Per iniziare a rimborsare il tuo prestito, il tuo reddito deve superare la soglia di rimborso di £25.000 all'anno, £2.083 al mese o £480 alla settimana. Se non guadagni l'importo specificato, non è necessario rimborsare. Se non rimborserai il tuo debito dopo 40 anni, verrà automaticamente annullato.
Quando inizierai a effettuare i rimborsi?
Inizierai a rimborsare il prestito a partire dal mese di aprile successivo alla laurea o all'interruzione del corso, a condizione che il tuo reddito superi la soglia di rimborso. Ad esempio, se completi un corso triennale iniziato nel settembre 2023, non inizierai a rimborsare il prestito studentesco del Piano 5 prima dell'aprile 2027. Se il tuo corso dura uno o due anni o se lo interrompi anticipatamente, non dovrai iniziare a rimborsare il prestito fino ad aprile 2026. Per chi studia a tempo parziale è prevista una modalità diversa. I rimborsi vengono detratti direttamente dallo stipendio dal tuo datore di lavoro, contemporaneamente alle imposte e ai contributi previdenziali. Se sei un lavoratore autonomo, pagherai annualmente tramite la dichiarazione dei redditi. Una volta superata la soglia di rimborso (25.000 sterline all'anno, 2.083 sterline al mese o 480 sterline alla settimana), ti verrà detratto il 9% (ovvero 9 pence per ogni sterlina) a titolo di rimborso del prestito studentesco.
Le rate possono cambiare?
Se il tuo reddito aumenta, anche i tuoi rimborsi aumenteranno. Tuttavia, se il tuo reddito diminuisce, anche i tuoi rimborsi si ridurranno o si interromperanno del tutto se scende al di sotto della soglia di rimborso.
Quali sono alcuni esempi di rimborsi?
Reddito annuale lordo — Rata mensile rimborso prestito studentesco
- £25.000 -> £0
- £27.500 -> £18
- £31.000 -> £45
- £36.500 -> £86
- 45.000 sterline -> 150 sterline
Sospendere o interrompere i tuoi studi
Cosa succede se sospendi o abbandoni gli studi?
Se decidi di sospendere o ritirarti dai tuoi studi, è davvero importante contattare Student Finance England per telefono o social media, e informa la tua università o college della tua decisione il prima possibile. Questo minimizza il rischio di ricevere pagamenti in eccesso per quanto riguarda i tuoi prestiti studenteschi.
E se sospendessi i tuoi studi?
Una volta che la tua università o il tuo college informa Student Finance England che hai sospeso i tuoi studi, questi rivaluteranno i tuoi finanziamenti studenteschi in base al numero di giorni in cui hai frequentato il tuo corso e ti invieranno una nuova lettera di diritto ai finanziamenti studenteschi. Interromperanno eventuali pagamenti futuri a te o alla tua università o al tuo college fino al tuo rientro negli studi. A seconda della data di sospensione e di quando la tua università o il tuo college informa Student Finance England, potresti aver ricevuto un pagamento eccessivo.
Cosa succede se ti ritiri dal tuo corso?
Una volta che la tua università o college comunica alla Student Finance England che ti sei ritirato, rivedranno la tua agevolazione studentesca in base al numero di giorni di frequenza del tuo corso. Interromperanno qualsiasi pagamento futuro a tuo favore e a favore della tua università o college, e ti invieranno una nuova lettera di diritto alla sovvenzione studentesca. A seconda della data del tuo ritiro e di quando la tua università o college comunicherà alla Student Finance England, potresti essere sovrapagato.
Come ripagherai il tuo prestito studentesco in tali scenari?
Sarai responsabile per la restituzione di qualsiasi prestito per le tasse universitarie che Student Finance England ha pagato alla tua università o college, e del tuo prestito di mantenimento. Li restituirai normalmente, a meno che non tu non sia stato sovrapagato.
Cosa succederebbe se tornassi all'università o al college?
Se sospendessi i tuoi studi
Se sospendi gli studi e poi riprendi nello stesso anno accademico, la tua università o college lo comunicheranno allo Student Finance England, che rivaluterà il tuo finanziamento studentesco. Se riprendi in un nuovo anno accademico, dovrai richiedere nuovamente il finanziamento studentesco come di consueto.
Se tu prelevassi
Se ti sei ritirato nel tuo primo anno, dovresti essere in grado di ottenere un finanziamento completo per studiare un altro corso. Se hai lasciato il tuo corso nel secondo anno o successivamente, potresti dover coprire tu stesso, in parte o totalmente, i costi delle tue tasse universitarie, se riprenderai gli studi. Di solito sarai comunque in grado di ottenere un prestito di mantenimento per eventuali anni di studio autofinanziati.
General questions & eligibility criteria
What does ‘eligible’ mean?
Whether you are eligible will depend on factors including where you live, the course you choose to study, where you study and whether or not you already hold a higher education degree.
What are the main criteria for eligibility?
- University/college & course requirements – Your institution must be “recognized” or “listed” and your course must qualify for funding as per the government’s criteria. Most undergraduate courses meet these criteria, though part-time study has additional conditions. Check the government’s website for the full list of criteria.
- Previous study – You’re generally eligible for the duration of your course plus an extra year if you need to retake a module. If you’ve studied before, calculate your remaining loan eligibility by subtracting previous funding years. If you’ve already completed a degree, funding is only available for a course at a higher level, except in cases of “compelling personal reasons” like serious illness.
- Age – Maintenance Loans have age restrictions only for those over 60, who may still receive partial funding if studying full-time.
- Nationality & residency – UK nationals (or those with settled status) who’ve lived in the UK, the Channel Islands, or the Isle of Man for three years before the course are eligible for both Maintenance and Tuition Fee Loans.
Who is eligible to get a tuition fee loan?
Eligible full-time (including full-time distance learning) students in England who are starting their first undergraduate degree, or other higher education course, from September 2016 onwards will be able to get a tuition fee loan under the new arrangements detailed here.
What are the residency criteria for eligibility (postgraduate)?
The postgraduate loans introduced in 2016 are only for English students. To be eligible as a UK student you must be ordinarily resident in the UK for three years before you begin your Masters. In addition, you must be most recently resident in England.
EU students must have been ordinarily resident in the EU, EEA or Switzerland for three years prior to their course. EEA and Swiss students must be resident in England and have been living in the UK for three years.
When can you get a loan? How much can you get?
What is the maximum undergraduate student loan amount?
Eligible full-time (including full-time distance learning) and part-time students will be able to get a loan that covers the full amount of their tuition costs. For more details related to the actual amount, please contact us to check your eligibility.
Am I eligible to get student loans for a second bachelor’s degree?
There is no clear yes-or-no answer to this question, as it all depends on your personal circumstances, type and duration of course and specific eligibility conditions. If you haven’t finished a BA/BSc course, you are probably eligible. However, we can check that for you, for free, so contact us!
Am I eligible for a postgraduate loan?
Probably yes, most students in the UK fulfilling certain conditions are eligible. If you are not sure, contact us and we can check your eligibility for free.
Am I eligible to get student finance for a master’s degree?
Yes, you may be eligible to access student funding when pursuing higher education in the form of master’s courses. These are called postgraduate loans.
Am I eligible for a second postgraduate loan?
It might be more complicated to get a second postgraduate loan but there are certain conditions and circumstances that may make you eligible. Please contact us for more information and we’ll be able to check your personal eligibility.
When is the cut-off point for the age restriction?
In order to be eligible for a postgraduate loan, you will need to be under 60 at the beginning of the academic year in which you begin your Masters course.
Am I eligible for a loan to study a full-time Masters that lasts longer than a year?
Yes, two-year Masters courses will be eligible for loans. This is the case regardless of whether they are classed as taught or research programmes.
Are students from Scotland, Wales or Northern Ireland eligible?
These postgraduate loans are intended for English students. However, eligibility is based on English-residency, not English-nationality. If you are Scottish, Welsh and Northern Irish, but normally live in England, you will be able to receive a loan. In order to be eligible, you must have been ordinarily resident in the UK for at least three years on the first day of the academic year in which your course begins. In addition, you must have most recently been resident in England.
Are students from the Channel Islands and the Isle of Man eligible?
Yes, postgraduate loans are available to citizens of the UK and its islands, subject to normal residency criteria.
Are EEA and Swiss students eligible?
Yes. Citizens of non-EU EEA countries (Iceland, Liechtenstein and Norway) and Switzerland may be eligible. You must be working in the UK, have worked in the UK or have sought work in the UK. In addition, you must be ordinarily resident in England at the start of your course (in the same way as a UK student).
Are other international students eligible?
To be eligible, you will need to be a UK national or EU citizen. Exceptions may apply if you have the right to reside permanently in the UK. This could result in refugee status or other humanitarian protection. Family members of EU citizens may also be eligible for loans. Your university’s international office may be able to provide help if you are unsure what conditions apply in your case.
Which courses are eligible?
What are the eligible courses that qualify for an undergraduate loan?
Most undergraduate courses are eligible for funding, with very few exceptions. If you are not sure about the programme you want to choose, contact us and we’ll tell you right away if you are eligible for a loan or not.
What are the eligible courses that qualify for a postgraduate loan?
UK Masters loans – course eligibility — Funded? (Yes/No)
- MA – Master of Arts – Yes
- MSc – Master of Science – Yes
- MBA – Master of Business Administration – Yes
- MEd – Master of Education – Yes
- MFA – Master of Fine Arts – Yes
- MLitt – Master of Letters – Yes
- MMus – Master of Music – Yes
- MPhil – Master of Philosophy – Yes
- MRes – Master of Research – Yes
- MSc (Eng) – Master of Science in Engineering – Yes
- LLM – Master of Law – Yes
- GDL – Graduate Diploma in Law – No
- LPC – Legal Practice Course – No
- MArch – Master of Architecture – No
- MEng – Master of Engineering – No
- PGCert – Postgraduate Certificate – No
- PGCE – Postgraduate Certificate in Education – No
- PGDip – Postgraduate Diploma – No
- PhD – Doctor of Philosophy – No
Still having questions?
Our advisors are here to help you understand your options and find the best solution.
Link utili