Living Costs

Information on Maintenance Loans

The Maintenance Loan is normally paid in three instalments - one at the start of each term - straight into the student's bank or building society account. They can use this money to live on while they study.

Household income

Students can apply for either:

  • a basic rate of Maintenance Loan without having their household income taken into account; or
  • the full Maintenance Loan if they apply for finance which includes their household income.

Students in certain circumstances might be able to get extra Maintenance Loan to help towards their living costs if:

  • they’re a single parent responsible for a child or young person under 20 who is in full-time education
  • they have a partner who is also a full-time student and; one of both of them is responsible for a child or young person under 20 who is in full-time education
  • they have a disability and qualify for the Disability Living Allowance, Disability Premium or Severe Disability Premium
  • they qualify for housing benefit or the housing element of Universal Credit
  • they're deaf and qualify for Disabled Student's Allowances
  • they have been treated as incapable of work for at least 28 weeks
  • they have a disability and qualify for income-related Employment and Support Allowance
  • they're waiting to go back to a course, having taken agreed time out from that course due to an illness or caring responsibility that has now ended.

Paying back the Maintenance Loan

Students need to pay back their Maintenance Loan after they have finished their course.
Detailed information about loan repayment can be found on the Student Loans Company site, Student Loan Repayment.

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