Loans, grants, eligibility and calculators.
On top of your loans — for childcare, learning costs, dependants and disability. Each is claimed on your SFE application, not automatic.
Use on Funding Hub, Maintenance Loan, grants, student finance guides and calculator results.
This is an indicative result. Final entitlement depends on SFE assessment, course intensity, household income, location and study mode.
The Tuition Fee Loan moves through eight stages — from confirming your status to the day it's written off. Click any stage to see exactly what happens, what you need to do, and how long it takes.
SFE first checks who you are: your residency, nationality and whether you've studied before. This decides what you can get.
Clear decision signals for course comparison, university comparison and funding guide pages.
| Route | Funding type | Maintenance Loan | Best for | Verdict |
|---|---|---|---|---|
| Campus / blended undergraduate | Tuition + maintenance | Usually stronger | Students needing living-cost support | Best overall route |
| Weekend-only | Needs careful check | Risk area | Working adults with limited time | Ask adviser first |
| Online / distance learning | Tuition may apply | Usually no maintenance | Remote learners | Good flexibility, less living-cost support |
| Postgraduate Master’s | Postgraduate Loan | Different system | Graduates and career changers | Check loan cap and tuition |
From rent and travel to food, childcare and study materials, compare the support available and understand what could affect your student finance before you apply.
MoneySavingExpert-style cards for bank accounts, broadband, phone plans and student essentials.
Welcome reward
£100Overdraft up to £1,500. Check eligibility and terms before applying.
Flexible monthly plan
100GBUseful for students who do not want a long contract.
Shared house option
150MbpsCheck installation, cancellation and minimum term.
Understand extra student support such as childcare, parents’ support and DSA.
Support may be available for registered childcare.
Open →Extra support for students with children.
Open →Support for disability, health conditions or learning differences.
Open →Use Degree Match Finder or speak to a YStudy adviser before applying.
You apply for them online through SFE at the same time as you apply for your main tuition and maintenance loans.
Yes, most dependants' grants are assessed based on your partner's or household income.
A quick student-first view before they start an application.
Typically checked for England residence, course designation and previous study.
Check eligibility →Often eligible for tuition and maintenance support if residence rules are met.
Check status →Can be possible, but residence history and category matter. Do not guess.
Ask adviser →Often eligible for strong support, but documents and dates must be checked.
Start review →Students understand finance faster when the process is shown as a journey, not a wall of rules.
Check nationality, immigration status, ordinary residence, age and previous study.
Submit SFE details, evidence and course information early to avoid delayed payments.
Tuition goes to the provider. Maintenance is paid to the student after enrolment confirmation.
Repay only when earning above the threshold. It is income-based, not a normal bank loan.
These blocks should reduce fear and increase adviser enquiries.
| Myth | Reality | Best next step |
|---|---|---|
| “Student Finance is like a bank loan.” | Repayment is based on income, not a fixed monthly instalment. | Use the repayment calculator. |
| “I must repay while I study.” | No. Repayment starts only after the course and only above the income threshold. | Check Plan 5 estimate. |
| “If I studied before, I cannot get anything.” | Previous study matters, but rules vary by route and qualification. | Book an adviser review. |
| “Online and weekend courses are always the same.” | Mode and attendance can affect maintenance support. | Check before choosing the course. |
YStudy can check your status, previous study and course type before you submit your application.