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Student Funding Support

Full-time Undergraduate Funding - 2025 Entry

Funding Information:

Tuition Fees

Tuition Fees for full-time undergraduates in 2025-26 are £9,535. In November 2024 the UK Government announced an increase in the tuition fee cap for Home students for the 2025-26 academic year. The University expects to increase fees for future years in line with any inflationary uplift as determined by the UK Government.

Eligible students can receive a Tuition Fee Loan to cover the cost of the fees in full. For more information please see the below Tuition Fee Loan section. It is not mandatory to take out a Tuition Fee Loan. If you do not want to take out a Tuition Fee Loan and want to pay for your Tuition Fees yourself please see the following relevant webpages from the University's Student Finance Team:

UK Government Student Loans

You may be eligible for student loans from the UK Government (Tuition Fee Loan and Maintenance Loan). Eligibility for student loans will depend on certain criteria, such as your nationality and residency status. You can view the full criteria at Student Finance for Undergraduates -Eligibility.

If you are unsure whether you qualify for these student loans, you can Contact Student Finance EnglandLink opens in a new window directly to clarify.

Tuition Fee Loan

  • A non-means tested Tuition Fee Loan is available from Student Finance England (SFE).
  • Eligible students can apply for and take out the full Tuition Fee Loan required to pay their Tuition Fees in full regardless of their household income.
  • The Tuition Fee Loan is paid directly to the University to cover the cost of your fees in termly instalments.
  • As it is a loan, you will need to repay it.
  • You need to apply for this for every year of study.

Maintenance Loan

  • Eligible students can apply to SFE for a Maintenance Loan towards their living and course costs.
  • The Maintenance Loan is means-tested so the amount you receive is partially based on your household income and whether you chose to live in or away from your parental home.
  • The Maintenance Loan is paid in equal termly instalments.
  • As it is a loan, you will need to repay it.
  • You need to apply for this for every year of study.

Maintenance Loan Entitlement

Eligible students can apply to Student Finance England (SFE) for a partially means-tested Maintenance Loan to contribute towards their living and course costs.

For the 2025-26 academic year, household income will be taken from the 2023-24 tax year and will depend on the people you live with: your parent(s)/carer(s), your parent/carer and their partner or your partner.

The below table demonstrates the annual maintenance loan rates for the 2025-26 academic year based on household income (2025-26 figures are subject to Parliamentary approval). The annual entitlement of maintenance loan is paid directly to students in equal termly instalments.

Household Income (£) Students Living Away from Parental Home (£) Household Income (£) Students Living in Parental Home (£)
25,000 or under 10,544 25,000 or under 8,877
30,000 9,791 30,000 8,132
35,000 9,038 35,000 7,387
40,000 8,285 40,000 6,642
45,000 7,532 45,000 5,897
50,000 6,779 50,000 5,152
55,000 6,026 55,000 4,407
60,000 5,273 58,349 or above (or non-means tested) 3,907
62,377 or above (or non-means tested) 4,915

If there has been a drop in your household income of 15% or more since the 2023-24 tax year, you should notify Student Finance England once you have applied for a maintenance loan, as you may be entitled to an increased entitlement. For more information see the following webpage, Support your Child or Partner's Student Finance Application - If your income has gone down.

Please see our separate webpage, Students Eligible for Benefits or Aged 60 or OverLink opens in a new window if you will be aged 60 or over on the first day of the first year of your course or if you receive government benefits, for the funding information relevant to you.

The amount of maintenance loan you may be eligible for may differ during a Study Abroad opportunity. Please visit our Study Abroad webpage for further information.

Applying to Student Finance England (SFE) for the Tuition Fee and Maintenance Loans

Applications for student loans are made online, see the Student Finance England - How To Apply webpage for more information. Applications for the 2025-26 academic year are expected to open in March 2025. You should apply as soon as possible to make sure that your funding is in place for the start of your course. The application takes about 30-45 minutes and you apply for both the Tuition Fee and Maintenance Loan in one application. You will need to apply for each year that you require a Tuition Fee Loan and/or a Maintenance Loan.

Repaying the Tuition Fee and Maintenance Loan

  1. Repayments will begin in April after you have completed or left your course.
  2. Repayments will start only when your income is over £25,000 per year.
  3. You will repay 9p for every £1 you earn over the £25,000 threshold.
  4. Repayments are deducted automatically through the tax system. If you are self-employed or working overseas when your repayments are due to start, you will need to arrange separate repayment arrangements with Student Finance England.
  5. If your income falls below the £25,000 threshold repayments will stop automatically and not re-start until you are earning over the threshold again. If you are self-employed or working overseas while making repayments and your income falls below £25,000, you will need to contact Student Finance England directly.
  6. There are no early repayment penalties and you can choose to make voluntary repayments to your loan at any time.
  7. Any outstanding loan (including interest) is written off after 40 years or if you become permanently unfit for work or die.
  8. Interest is applied to your loan at the point the first payment is made to you and is linked to the Retail Prices Index (RPI).

For more information, please see the gov.uk webpage, Repaying Your Student Loan.

Disabled Students' Allowance (DSA)

If you have a disability, long-term health condition, mental health condition or specific learning difficulty there is additional non-repayable support available.

  • DSA is a non-repayable grant offered by SFE.
  • DSA is intended to help with any disability-related costs you might have.
  • Any support you receive will be based on your individual needs, not your household income.
  • Full-time undergraduates can apply for DSA in the same online application form that they complete for their Tuition Fee and Maintenance Loans.
  • Make sure you apply early for DSA as applications can take up to 14 weeks as you will need to undertake a Study Needs Assessment.
  • For more information on the support provided, the evidence required and how to apply check out SFE's Disabled Students' Allowance webpage and/or the University's Disability Team's Applying for DSALink opens in a new window webpage. Within the University's Disability webpage, you will also find a DSA Eligibility CheckerLink opens in a new window tool which you can use to see whether you may be eligible for DSA.

Dependants' Grants

If you are financially responsible for a child or adult, you may be eligible for a non-repayable grant from Student Finance England. There are three grants available:

  • Childcare Grant (CCG)
  • Parents' Learning Allowance (PLA)
  • Adult Dependants' Grant (ADG)

You can apply for these grants in the same online application as your Tuition Fee and Maintenance Loan. If you have already submitted your loan application and want to subsequently apply for a Dependants' Grant, please see the Student Finance Application for Dependants Grants webpage. For more information, please see our Dependants' GrantsLink opens in a new window webpage.

Bursaries and Scholarships

The University offers scholarships and bursaries to students for a variety of reasons. For example, if you have a low household income, if you are a Care leaver, estranged from your family or is you have participated in certain Outreach programs, you may be eligible for a scholarship.

The Warwick Bursary- New for the 2025-26 academic year

To be eligible for the Warwick Bursary you must meet all of the following eligibility criteria:

  1. You must be a full-time Home undergraduate student for fee purposes and domiciled in England, Scotland or Northern Ireland.
  2. You must be eligible for and have applied to Student Finance England (SFE), Student Finance Northern Ireland (SFNI) or the Student Awards Agency Scotland (SAAS) for income-assessed financial support via the undergraduate funding system.*
    • *If you do not wish to take out a loan you should still apply for a household income assessment to be carried out and request a loan of £0.
  3. You must have a family income of £42,875 or below, as assessed by SFE, SFNI or SAAS

For further details and FAQs, please see the Warwick Bursary 2025 Entry webpage.

The amount of award you can receive from the Warwick Bursary depends upon your annual household income (as assessed by your student support awarding body), as demonstrated in the table below.

Annual Household Income Warwick Bursary
£0 - £25,000 £2,500
£25,000.01 - £35,000 £1,250
£35,000.01 - £42,875

£500

For further information about other Bursaries and Scholarships offered by the University of Warwick, please see our Bursaries and ScholarshipsLink opens in a new window webpage.

Living Costs, Course Costs and Budgeting at University

We have dedicated webpages about managing, making, and saving money on our Money Matters sub-section. Here you can find out about Living and Course CostsLink opens in a new window, Budgeting Link opens in a new windowand more!

Top Money Tips

Check out our top money tips below!

Apply for your funding early Be sure that your money will be paid on time, and you'll know how much you have to live on.
Shop wisely Always shop with a list and keep a budget in mind before you go shopping. Buy supermarket own brands where you can save money.
Pack a snack Save money by bringing a paced lunch rather than buying food on campus.
Look into student bank accounts Consider having two accounts so you have one where your Maintenance Loan goes and another where you transfer a weekly allowance to limit overspending.
Learn to cook You can save yourself a lot of money by learning a few simple recipes, so you don't have to rely on delivery services. Have a look at our Student Cookbook for some easy recipes to get you started!
Make a list of things to buy It might be worth waiting until you get to university to get everything as you could club together with your housemates to get kitchen items such as a cheese grater, so you don't all have to buy one.
Don't forget your course costs Remember to budget for stationary, printing, and other costs. Discuss your book list with your tutors and prioritise - buy second-hand books if you can.
Be safe, don't be sorry! If you are bringing valuables with you to university, such as a laptop, consider buying insurance. Make sure you read the policy carefully.

You can find more tips and ideas at Money MattersLink opens in a new window.

Student Money Journey

Below is a summary of your Student Money Journey to university.

Planning

(September - December)

  • Research scholarships and bursaries.
  • Research accommodation and living costs

Applying

(February - April)

Organising

(May-June)

  • Work out your projected budget based on what money you will have coming in and what you expect your outgoings to be - good budgeting pays!

Preparing

(July - September)

  • Shop around for a student bank account that meets your needs. Have a look at savethestudent.org for a guide to the best student accounts.
  • Look into part-time work opportunities to boost your income.

Arriving

(September)

  • Enrol at the University to receive your Maintenance Loan.
  • Make a note of the payment dates for your accommodation.

Useful Links