Information for parents of prospective students
dependants grants
  • step one apply on time
  • step two we process you application
  • step three get your money

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What student finance is available?

While at university or college your child will have two main costs - tuition fees and living costs. Depending on your child's circumstances, their course and where they study, they could get a range of financial support to help with both.

The main types of finance are tuition fee and maintenance loans.

step one, whats available

They can get a Tuition Fee Loan of up to £9,250 to cover tuition fees, while Maintenance Loans help towards living costs such as rent and bills.

Part of the Maintenance Loan depends on your household income - that is, the income of you and your husband, wife or partner.

There's also extra support for those with specific circumstances, for example, students with children or adult dependants, or a disability, including a long-term health condition, mental-health condition or specific learning difficulty such as dyslexia or dyspraxia.

step two, what do I have to do

You should encourage your child to apply early to make sure they have their money on time.

If your child is only applying for the Tuition Fee Loan and the basic Maintenance Loan (the bit that doesn't depend on your household income), you won't have to do anything. They can just fill in the application with their own details.

If your child is applying for student finance that depends on your household income, they'll be asked to enter your email address when completing their application.

We'll email you and you'll need to follow the instructions given to support your child's application and create an account (if you haven't already got one).

When you register you'll supply your National Insurance number and details of your household income, which we'll use to assess your child's entitlement to student finance. We'll confirm your household income directly with HM Revenue & Customs (HMRC), using your National Insurance number.

We may ask you to send us evidence or further information to support what you've told us.

step three, repayment

Your child won't have to repay their loan until they've left university or college and their income is over the repayment threshold, which is currently £25,000 a year.

If your child's income drops below this, repayments will stop automatically.

Interest is charged from the day we make their first payment until their loan is repaid in full or cancelled. The interest rate is based on the UK Retail Price Index (RPI) and will vary depending on their circumstances. For more information go to

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