UK University Studies – FAQ (Part 1): What are the most common questions about studying in the UK in 2026?

Tuition Fees:

• • Question: What is a tuition fee loan, and who can get it?
  • Answer: A tuition fee loan covers the cost of higher education tuition and is available for eligible students pursuing their first undergraduate degree in the UK.

Living Costs Support:

• • Question: How can I get financial support for living expenses?
  • Answer: Full-time students can apply for a loan to cover living expenses, which is based on factors like location, household income, and course type.

Eligibility and Application:

• • Question: Who is eligible for financial help, and how do I apply?
  • Answer: Eligibility for UK courses depends on various factors, including residency, course choice, and existing qualifications. Applications are made through Student Finance agencies.

Repayment Process:

• • Question: When do I start repaying my loans, and how are repayments calculated?
  • Answer: Repayment begins after graduation if earning over a certain threshold, with monthly payments calculated as 9% of income over £25,000 annually (check the plan of your loan for accurate figures).

Studying in Different UK Regions:

• • Question: Can I get financial support if I study outside England?
  • Answer: Yes, students in Northern Ireland, Scotland, and Wales have their own funding agencies with similar support schemes.

Additional Financial Aid:

• • Question: Are there non-repayable grants available?
  • Answer: Yes, additional support is provided for students with disabilities, children, or adult dependents, including grants and allowances.

Impact on Mortgage and Loans:

• • Question: Will student loan repayments affect my ability to get a mortgage or other loans?
  • Answer: Student loan repayments are unlikely to significantly impact mortgage eligibility, and student loan information isn’t shared with credit reference agencies.

Career and Income Changes:

• • Question: What happens if my income changes or I lose my job?
  • Answer: Repayments are based on income, so they pause if income drops below the threshold or during periods of unemployment.

Repayment Duration:

• • Question: How long will it take to repay my loan?
  • Answer: Repayment duration varies based on income, with any remaining balance after 40 years written off (valid for Plan 5 loans).

Overseas Repayment:

• • Question: What if I move abroad after studying?
  • Answer: Repayments are made based on income in the country of residence, with adjustments for living costs.

If you have more questions about studying in the UK, our Atlantic London team is here to provide not just answers, but also guidance and support. 

Contact us for more details regarding courses & registration. And stay tuned for FAQs part 2 coming up next week!