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Student Loans for Maintenance

Student Loans for maintenance are available from the Government through the Student Loans Company to help UK undergraduate students meet their living costs such as accommodation, food, clothes, travel and so on.

The amount of loan that you can borrow will depend upon your household income and where you live whilst you study.

Loans and Grants - Post-2012 Starters

Loans and Grants - Pre-2012 Starters

Maintenance Loan Eligibility

The rules determining whether a student is eligible for a maintenance loan can be complicated and depend on both your personal circumstances and the eligibility or your course and institution. As a general rule eligibility for student finance depends on the following:

  • the place where you’re ‘ordinarily resident’
  • whether you have taken a higher education course before
  • your age
  • where you are studying

For more detailed information on the eligibility requirements please visit:

Eligibility for student finance

How to apply

Applying online through Student Finance England is the quickest and easiest way to apply for both a maintenance loan and any of the additional support available. Once you have registered with Student Finance England, you will be able to complete an application form online and manage your student finance account. Partners and parents can also register their details which will allow them to support any application as necessary.

Full-time, Part-time, and EU students can still make a paper application; this can be downloaded from Student Finance England's Website.

Applying after your first year

You will need to make a new application for each year you are in higher education. If you previously held an online account with Student Finance Direct, your application will now need to be made via Student Finance England – to access your account, you will need to use your existing logon details and additionally provide a customer reference, this is the same as your ‘ART id’. Paper applications are also still acceptable and can be obtained from Student Finance England's website.

Students Living in Northern Ireland, Scotland or Wales

Students who normally live in these areas who are intending to study anywhere in the UK will need to apply to the relevant authority within your own region.

Other important information

How is the loan paid?

Student Finance England will usually pay the money directly into your bank account in three instalments, one at the start of each term. You will receive a payment schedule from the SLC which details when your payments will be made during the academic year and tells you how you will get your money.

If your circumstances change

If you hold a student loan and you either interrupt or withdraw from your programme of study, it is your responsibility to advise Student Finance England that you are no longer in attendance.

If your circumstances change

Further info

For more detailed guidance on, assessment, repayment and the terms and conditions of your student loan for maintenance, please visit:

Student Finance Forms and Guides

Useful contacts

Student Finance England

Telephone: 0845 300 50 90

Website: https://www.gov.uk/student-finance

Page Editors : Student Funding

Page last modified on 23 jul 13 12:50 by Shanaz Begum