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Old 07-07-09, 02:48 PM
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Default Confused about applying for student finance for the first time? Look here! (FAQ)

How much will I have to pay for my University Tuition Fees?

If you are from any part of the UK other than Scotland (or if you are from Scotland, but choose to study in another part of the UK) you will be charged a "Tuition Fee" by your university. For the 2008/2009 academic year, this fee can be anything up to 3,145 per annum.

You should now be able to find out the precise figure from your chosen university's website, but here are the general rules:

If you are from England...

* ... and your university is in England, they may charge up to 3,145
* ... and your university is in Wales, they may charge up to 3,145
* ... and your university is in Scotland, they may charge up to 1,775 (2,825 if you are studying Medicine)
* ... and your university is in Northern Ireland, they may charge up to 3,145

If you are from Wales...

* ... and your university is in England, they may charge up to 3,145
* ... and your university is in Wales, they may charge up to 1,255
* ... and your university is in Scotland, they may charge up to 1,775 (2,825 if you are studying Medicine)
* ... and your university is in Northern Ireland, they may charge up to 3,145

If you are normally resident in Wales, and you also choose to study in Wales, the Welsh Assembly Government will provide you with a non-repayable Fee Grant of up to 1,890, regardless of your parents' income. For this reason, if you are Welsh and choose to study in Wales, you will pay around 1,255 in tuition fees per annum instead of the 3,145 you would pay elsewhere in the country.

If you are from Scotland...

* ... and your university is in England, they may charge up to 3,145
* ... and your university is in Wales, they may charge up to 3,145
* ... and your university is in Scotland, there will be no tuition fee
* ... and your university is in Northern Ireland, they may charge up to 3,145

If you are from Northern Ireland...

* ... and your university is in England, they may charge up to 3,145
* ... and your university is in Wales, they may charge up to 3,145
* ... and your university is in Scotland, they may charge up to 1,775 (2,825 if you are studying Medicine)
* ... and your university is in Northern Ireland, they may charge up to 3,145

You do not have to pay your tuition fees before you start your course. Please see "Student Loan for Tuition Fees" below.

What types of funding are available?


Student Loan for Tuition Fees


If you are from any part of the UK other than Scotland (or if you are from Scotland, but choose to study in another part of the UK) you will be charged a "Tuition Fee" by your university, as described above.
However, you do not have to pay this fee in advance, because you can take out a "Student Loan for Tuition Fees". This type of loan is not based on your parents' income, and you do not need to repay it until you have graduated and are earning over 15,000 p.a. If you earn less than 15,000 at any point after you graduate, your repayments will cease, and will only recommence if you start earning over 15,000 again. If any of your loan remains unpaid after 25 years, the government will "write off" the outstanding balance.
Your Student Loan for Tuition Fees will cover the exact cost of your course. However, as you will presumably need to sleep somewhere and eat during your time at university, there are also a couple of other types of finance, to cover your living cost, or your "maintenance".

Student Loan for Maintenance

This is a low-interest loan taken out to cover the general cost of living, which includes everything from accommodation and food to books and train-tickets. It is entirely separate from the Tuition Fee Loan and, unlike the Tuition Fee Loan, the amount you get may depend partly on how much your parents earn.

The maximum Student Loans for Maintenance are as follows:

* For those living in London whilst at university: 6,480
* For those living elsewhere in the UK (not with parents) whilst at university: 4,625
* For those living with their parents whilst at university: 3,580

Maintenance Grants


If you are normally resident in England, your household income is less than 60,005 and you are eligible for some/all of the means-tested part of the Student Loan for Maintenance (see above), you may be entitled to a Maintenance Grant of up to 2,835 which does not have to be paid back. The Maintenance Grant is worked out like this:



Please be aware that if you do qualify for a Maintenance Grant, up to 1,260 of the Maintenance Grant will simply replace up to 1,260 of the Student Loan for Maintenance. This is beneficial in the long-run, as you will have less Loan to pay back. Any Grant you get over 1260, however, is "extra money", and will not deduct from your Loan for Maintenance in any way.

If you are normally resident in Wales
, your household income is less than 39,300 and you are eligible for some/all of the means-tested part of the Student Loan for Maintenance (see above), you may be entitled to a Welsh equivalent of the Maintenance Grant (known as the Assembly Learning Grant (ALG) of up to 2,835 which, again, does not have to be paid back. The ALG is taken out instead of a Maintenance Grant (i.e. you cannot have them both), and if you are eligible you will receive it no matter where you study within the UK. The ALG is worked out like this:



Again, up to 1,255 of the ALG will replace up to 1,255 of the Student Loan for Maintenance; any ALG you get over 1,255, however, is "extra money", and will not deduct from your Loan for Maintenance in any way.

If you are normally resident in Northern Ireland, your household income is less than 39,305 and you are eligible for some/all of the means-tested part of the Student Loan for Maintenance (see above), you may be entitled to a Northern Irish equivalent of the Maintenance Grant. This grant is up to 3,335 and, like those for Welsh and English students, does not have to be paid back. Here is how the Irish Maintenance Grant is worked out:



Up to 1,760 of the Irish Maintenance Grant will replace up to 1,760 of the Student Loan for Maintenance; any Irish Maintenance Grant over 1,760 is, again, "extra money" and will not deduct for your Loan for Maintenance in any way.

If you are normally resident in Scotland, your system is comparatively complex. Detailed information can be found at http://xn--http-996a//www.saas.gov.uk/student_support/scottish_outside/student_loan.htm%E2%80%9D
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