Government loans and funding
Most UK students coming to uni for the first time can get government support for studying and living.
Types of funding
Tuition Fee Loan: First-time UK students can apply for a Tuition Fee Loan to cover the cost of tuition fees.
Maintenance Loan: Depending on household income, full-time students may be able to apply for a Maintenance Loan to help with living expenses while studying.
Maintenance Loans for 2024/25 entry:
- up to £8,610 if living with your parents
- up to £13,348 if living away from your parents, in London
- up to £10,227 if living away from your parents, outside London
- up to £11,713 if spending a year of your course studying abroad
- up to £4,327 if you’re 60 or over on the first day of your course
NHS Learning Support Fund: If you're a nursing or midwifery student, the NHS offers grants to help with the cost of placement travel and child care, which don't need to be paid back.
Extra help: You might qualify for extra help if you have children or dependent adults, or you have a disability.
Applying: You don't need a confirmed place at university, or your exam results, to apply for most government funding, but your parents or supporters will need to provide details of their income.
It's best to apply early, as it can take some time to process the application. You'll need to reapply for loans each year of study.
Receiving: Tuition Fee Loans are paid directly to the University. Maintenance Loans are paid to you once we've confirmed your attendance, usually a few days after you've started your course.
In case your Maintenance Loan is late, make sure you have enough money to cover your living costs for the first few weeks of study.
Repaying: You don't start repaying your loans until you're earning over an annual income threshold. If you haven't repaid the loans after 30 years of leaving university, the debt will be written off.
For 2023/24 entry, you pay back 9% of what you earn above £25,000.
- If you earn £30,000 a year, you'll pay £20.29 per month.
- If you earn £40,000 a year, you'll pay £95.29 a month.
The loan rates and repayment processes are different if you're a student from Scotland, Wales, Northern Ireland, Jersey, Guernsey or the Isle of Man. Find specific funding information for your region:
If you go on a year abroad, year in industry or placement year while studying, you can still apply for a Tuition Fee Loan to cover the reduced fee for that year, or to help with travel costs.
Blackbullion is a student-focused financial education platform, free for 四虎影院 students.
You can register using your @york.ac.uk email address for access to modules on all aspects of money management.