Course costs - Tuition fee loan

Tuition fees are up to £9,250 per year but remember that you do not have to pay anything up front and that everyone is entitled to a student loan to cover their fees and a maintenance loan to cover living costs.

You could think about the loan as an investment in your future, less a debt and more a graduate tax, a good investment for an excellent career.

You will not have to repay your loan until you are earning in excess of £25,725 and the amount you pay is based on a percentage of what you earn NOT what you owe. In reality the repayments are small and look like the example below.

If your earnings stop, your repayments stop and if you have not repaid the full amount after 30 years, the debt will be cancelled.

Interest is charged immediately from the day your first payment is made to you or your university or college, until your loan is repaid or or cancelled, but won't affect how much you repay each month.

You only pay 9% of money earned over £25,725.
For example, if you ear £27,000 you only pay 9% of £1,275 = £9.56 per month.

Examples of possible repayments,based on the expected UK threshold of £25,000 a year.

*There are other pots of money that are available to those who fulfil the criteria.

These include:

  • University bursaries and scholarships, these may be given as cash or equipment and you do not have to pay them back. They can be given to students based on household income or academic or sporting ability.
  • You might be offered a bursary in the form of a tuition fee waiver, but before you choose this option remember the amount you repay is based on what you earn, not the amount you owe.
  • Childcare grant
  • Disabled Students Allowance
  • NHS bursary

You can also help support yourself with part time jobs and paid internships.

Living costs

Remember to consider your living costs and budget for them when you go to university, these costs will include:

  • Accommodation
  • Travel
  • Food
  • Books
  • Social Life
  • Clothes
  • Mobile phone

Useful information

The official website for up-to-date information

Martin Lewis’ guide to student finance



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