Full-time Maintenance Loan

Whether a student can get student finance depends on their:

• university or college
• course
• previous study
• age
• nationality or residency status

University, college and course

The course must be at an eligible university or college in the UK and one of the following:

• First degree, eg BA, BSc or BEd
• Foundation Degree
• Certificate of Higher Education
• Diploma of Higher Education (DipHE)
• Higher National Certificate (HNC)
• Higher National Diploma (HND)
• Postgraduate Certificate of Education (PGCE)
• Initial Teacher Training (ITT)
• Integrated Master’s

Students could also be eligible for funding if they’re studying a Level 4 or 5 qualification with HTQ approval e.g., Certificate, Diploma or NVQ. To find out if their course is HTQ approved and qualifies for undergraduate student finance speak they should speak to their university or college.

If they’re studying a Level 4 or 5 qualification that is not HTQ approved or does not qualify for undergraduate student finance, they could still be eligible for an Advanced Learner Loan.

Higher and degree apprenticeships

They cannot get funding from Student Finance England if they’re studying a course as part of a higher or degree apprenticeship.

Previous study

Students can usually only get student finance for their first undergraduate higher education qualification - even if their previous course was self-funded.

The number of years for which they are eligible for funding is calculated as:

Length of current course + one year – years of previous study

If they haven’t got enough years of funding left to cover their course, they’ll have to cover some of the cost their self. They’ll usually still be able to get some Maintenance Loan in any self-funded years of study.

However, they may still get some funding if, for example:

• they change course
• they leave a course but start another
• they’re ‘topping up’ a higher education qualification, for example they have finished an HNC, HND or Foundation Degree and now want to do an Honours degree

Full financial support is available if the student already has a degree but they’re starting:

• an Initial Teacher Training course, not exceeding two years and they don’t hold qualified teacher status, or
• a Nursing, Midwifery or Allied Health Professional course in England on or after 1 August 2017.

Age

For courses starting from 1 August 2016

There’s no upper age limit for applying for a loan to help with living costs. But if the student is aged 60 or over on the first day of the first academic year of their course the amount they can get depends on their household income only.

For courses starting before 1 August 2016

Students aged 60 or over are not able to get a loan for their living costs.

Nationality or residency status

They can apply for full support if all the following apply:

• they’re a UK national or Irish citizen or have ‘settled status’ (no restrictions on how long they can stay)
• they normally live in England
• they’ve been living legally in the UK, the Channel Islands or the Isle of Man for 3 continuous years before the first day of their course, apart from temporary absences such as going on holiday

They may be eligible for full support if they’re a UK national (or family member of a UK national) who both:

• was living in the EU, Switzerland, Norway, Iceland or Liechtenstein on 31 December 2021, or returned to the UK by 31 December 2020 after living in the EU, Switzerland, Norway, Iceland or Liechtenstein
• has been living in the UK, the EU, Gibraltar, Switzerland, Norway, Iceland or Liechtenstein for the past 3 years

They may also be eligible if their residency status is one of the following:

• refugee (including family members)
• humanitarian protection (including family members)
• migrant worker or frontier worker from the EU, Switzerland, Norway, Iceland or Liechtenstein (including family members) with settled or pre-settled status
• child of a Swiss national and they and their parent have settled or pre-settled status under the EU Settlement Scheme
• child of a Turkish worker who has permission to stay in the UK - they and their Turkish worker parent must have been living in the UK by 31 December 2020 a stateless person (including family members)
• an unaccompanied child granted ‘Section 67 leave’ under the Dubs Amendment
• a child who is under the protection of someone granted ‘Section 67 leave’, who is also allowed to stay in the UK for the same period of time as the person responsible for them (known as ‘leave in line’)
• granted ‘Calais leave’ to remain a child of someone granted ‘Calais leave’ to remain, who is also allowed to stay in the UK for the same period of time as their parent (known as ‘leave in line’)
• they’ve been given settled status (‘indefinite leave to remain’) because they’ve been the victim of domestic violence, or are the dependent child of a person with this status
• they’ve been given settled status (‘indefinite leave to remain’) as a bereaved partner, or are the dependent child of a person with this status
• they or their family member have been granted leave under the Afghan Relocations and Assistance Policy (ARAP) or the Afghan Citizens Resettlement Scheme (ACRS)
• they or their family member have been granted leave to enter or remain in the UK under the Ukraine Family Scheme, the Homes for Ukraine Sponsorship Scheme or the Ukraine Extension Scheme

They could also be eligible if they’re not a UK national but they have a form of leave to remain issued by the Home Office and are:

• under 18 and have lived in the UK for at least 7 years
• 18 or over and have lived in the UK for at least 20 years (or at least half of their life)

They must have been living in the UK, the Channel Islands or the Isle of Man for 3 continuous years before the first day of their course.

The first day of the first academic year of their course is:

• 1 September, if their course starts between 1 August and 31 December
• 1 January, if their course starts between 1 January and 31 March
• 1 April, if their course starts between 1 April and 30 June
• 1 July, if their course starts between 1 July and 31 July