Tuition fees are up to £9250 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 £25,000 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 this:

Income each year (before tax)


Approximate monthly repayment

£21,000 and under















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

*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.
  • Child care 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

Student Loans

To help pay for these costs you can get a maintenance loan which will be paid back along with your tuition fees after you finish university.

For further information on student finance please visit:

The official website for up-to-date information

Martin Lewis’ guide to student finance



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