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Full-time Maintenance Loan

What's available

Students can apply for a Maintenance Loan to help with their living costs. How much they can get depends on where they live while studying. They can also apply for a higher amount that's based on their household income.

 

The following table shows the maximum Maintenance Loan amounts for courses starting from 1 August 2016.

Student’s living arrangements Maximum Maintenance Loan for the 2019/20 academic year Maximum Maintenance Loan for the 2020/21 academic year
Living with parents £7,529 £7,747
Studying in London and not living with parents £11,672 £12,010
Studying outside London and not living with parents £8,944 £9,203
Living and studying abroad for at least one term as part of their UK course £10,242 £10,539

It’s important that students let us know if there are any changes to their living arrangements as it will affect their student finance. This is so we can make sure they get the right amount of student finance. Students can update any changes in their online account.

Students may be eligible for more Maintenance Loan if they: 

  • are a single parent or single foster parent of a child or young person under 20 who is in full-time education below higher-education level or on an approved training course
  • have a partner who is also a full-time student and one or both of them is responsible for a child or young person under 20 who is in full-time education below higher-education level or on an approved training course
  • have a disability and qualify for the Disability Living Allowance, Disability Premium or Severe Disability Premium
  • qualify for Personal Independence Payment or Armed Forces Independence Payment
  • are deaf and qualify for Disabled Students’ Allowances
  • have been treated as incapable of work for a continuous period of at least 28 weeks
  • have a disability and qualify for income-related Employment and Support Allowance
  • are 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
  • are studying a course lasts longer than 30 weeks and three days in an academic year

As part of their application we'll ask if any of the above apply to the student and ask them to send evidence to prove their circumstances.

If the student started their course before 1 August 2016

Their maintenance funding may be split into 2 parts: a Maintenance Loan and a non-repayable Maintenance Grant. The student's eligibility for a Maintenance Grant is based on their household income. For every £1 of Maintenance Grant awarded, the Maintenance Loan will reduce by 50p. 

 

If a student receives income-related benefits during the academic year they may be eligible to receive the Special Support Grant, this is also non-repayable and would replace the Maintenance Grant. Unlike the Maintenance Grant, the Special Support Grant will not affect the amount of Maintenance Loan the student can get.

 

If the student's course started between 1 September 2012 and 31 July 2016. The maximum loan amounts are as follows:

 

Student's living arrangements Maximum loan amount for the 2019/20 academic year Maximum loan amount for the 2020/21 academic year
Living with parents £5,099 £5,247
Studying in London and not living with parents £8,946 £9,205
Studying outside London and not living with parents £6,411 £6,597
Living and studying abroad for at least one term as part of their UK course £7,617 £7,838

 

If the student's course started between 1 September 2012 and 31 July 2016, the maximum grant amounts are as follows:

 

Maximum grant amount for the 2019/20 academic year Maximum grant amount for the 2020/21 academic year
£3,783 £3,801

 


Students in their final year of study

Students in their final year will get less Maintenance Loan than previous years. This is because, during study, student finance covers the break between academic years. Students are no longer entitled to financial support once their course has ended.

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