You will be able to borrow the full cost of your tuition fee from the Government in the form of a Tuition Fee Loan (subject to eligibility).

You must have submitted a UCAS application before you can apply for financial support from the Government. We recommend applying for financial support earlier on, ensuring your application is received and processed in good time.

The funding application process for English-domiciled students is as follows:

• You make your application online to Student Finance England.
• After you have applied for student funding, you will be able to manage your account online.
• If you have withdrawn from a previous course due to compelling personal reasons, you could be eligible to receive an extra year of tuition fee support. You should send evidence of your personal reasons for repeating a year to Student Finance England.
• Following the assessment of your application, you will receive a Student Finance Entitlement Letter. This will outline the support you have applied for and what you can expect to receive. You can also view this online.
• If the financial support outlined in your Student Finance Entitlement Letter is not what you anticipated, you can contact us for advice.

Maintenance Loans are available to eligible new full-time students joining an undergraduate degree or integrated Masters degree.

• Available to help with living costs such as food, accommodation and travel.
• Your household income determines the amount of Maintenance Loan you can apply for. Additional factors such as where you are going to live while you are studying also influence this amount.
• Usually paid in three instalments, directly to your bank or building society account.

Sandwich years

If you are undertaking a sandwich year, you can still apply for a Maintenance Loan for this year, but this will be at a reduced rate.

Study abroad

If you are undertaking a year studying abroad, you can still apply for a Maintenance Loan. A Maintenance Loan of up to £11,713 may be available for a year studying abroad in academic year 2024/25.

The maximum amount you can receive as a Maintenance Loan may increase if you qualify for certain benefits.

If you are spending a semester studying abroad rather than a full academic year, you may be eligible for pro-rata overseas rates of Maintenance Loan for that period.

You start repaying the total of your student loans from the April after you have completed your course. This is subject to you earning above the current repayment threshold for full-time undergraduate degrees, which is £25,000.

The amount you repay links to your income. Each year you will expect to repay 9% of your income that is above the repayment threshold. If your income falls below the repayment threshold, for any reason, you will not have to make repayments until your income rises above this threshold again.

NHS Learning Support fund

If you are studying a pre-registration degree in Midwifery, Nursing, Operating Department Practice or Paramedic Practice, or an integrated Masters degree in Nurse Paramedic (Adult) or Nursing & Social Work, you may be eligible to receive additional funding through the NHS Learning Support fund.

The fund, which you will not need to pay back, includes the following elements:

• Training Grant – a training grant of £5,000 a year in new Government funding to help with living costs.
• Specialist Subject Payment – a further £1,000 per year if you will be specialising in learning disabilities nursing or mental health nursing, where demand is particularly high.
• Parental Support – a further £2,000 per year if you have parental responsibility for a child who is under the age of 15 years (under 17 years if the child is registered with special educational needs).
• Travel and Dual Accommodation Expenses (TDAE) – support for excess travel and funding for staying in temporary accommodation to attend your placement if required.
• Exceptional Support Fund (ESF) – up to a further £3,000 per year of additional support if you find yourself experiencing severe financial hardship during your studies.

To be eligible to apply to the NHS Learning Support Fund, you must be:

• Due to train on a pre-registration degree in Nursing, Midwifery, Operating Department Practice or Paramedic Practice, or an integrated Masters degree in Nurse Paramedic (Adult) or Nursing & Social Work.
• Eligible for a Tuition Fee Loan and a Maintenance Loan.
• Ordinarily resident in the UK.

Further information about the NHS Learning Support Fund is available on the NHS Business Service Authority website and via the NHS Business Service Authority Facebook page.

Supplementary grants and allowances

Depending on your circumstances, you may qualify for additional financial support from the Government, including:

• Adult Dependants’ Grant – means-tested support of up to £3,438 a year if you have to care for an adult dependant. This is someone who is not your grown-up child (subject to eligibility).
• Childcare Grant – means-tested support designed to contribute up to 85% towards your childcare costs. If you have a dependent child/children in the care of an Ofsted-registered childcare provider while you study, you may qualify for this grant. Childcare grants for academic year 2024/25 are worth up to a maximum of £193.62 per week for one child only. This goes up to £331.95 per week for two or more children (subject to eligibility).
• Parents’ Learning Allowance – means-tested support of up to £1,963 a year if you have children who are wholly or mainly financially dependent on you.

Taking out student loans and paying the required inflation-based interest is an issue for some students and could be prohibited for religious reasons.

The Government is working towards an alternative Sharia-compliant student finance package for these circumstances. The suggested alternative financial product would result in identical graduate repayments to the current student loan system but would not be interest based.

Further details are awaited from the Government. In the meantime, you may find it useful to contact a local Imam to discuss Sharia-compliant finance if you have any concerns.

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