Clara

Clara (27) is a single mum of 4-year-old Nathan. Clara works 10 hours a week as a receptionist, which she intends to continue whilst studying, and earns £4,270 a year.

Clara is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan (with special support element): £10,490
Parents’ Learning Allowance: £1,766
Warwick Bursary: £2,000
Warwick Additional Bursary (due to receiving Parents’ Learning Allowance): £1,000
Total: £15,256 (paid directly to Clara)

Childcare Grant: Of up to £9,059.44 (paid directly to the childcare provider)

Benefits: Clara will need to contact the Jobcentre Plus to find out how her benefits will be affected.

Ian

Ian (39), who has just been made redundant, lives with his partner, Helen. They have one child (aged 10), who goes to after-school club (childcare) 2 days a week, which they have to pay for. Helen earned £13,960 in the 2018/19 tax year.

Ian is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan: £9,203
Parents’ Learning Allowance: £1,766
Adult’s Dependants’ Grant (paid because Helen is an adult dependant): £400
Warwick Bursary: £2,000
Warwick Additional Bursary (due to receiving Parents’ Learning Allowance): £1,000
Total: £14,369 (paid directly to Ian)

Childcare Grant: Of up to £4,571.12 (paid directly to the childcare provider)

Benefits: Ian will need to contact the Jobcentre Plus to find out how any of their benefits will be affected.

Anne

Anne (55) is married to Peter and they have two grown-up children. In the 2018/19 tax year, Peter earned £40,000.

Anne is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan: £7,225
Total: £7,225 (paid directly to Anne)

Baljit

Baljit (22) lives at home with her mum and step-dad. Baljit has not earned enough to financially support herself for a period of 3 years or more. In the 2018/19 tax year, Baljit’s mum earned £23,500 and her stepfather earned £21,500. Baljit works two-days a week as a nursery nurse.

Baljit is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan: £5,137
Total: £5,137 (paid directly to Baljit)

Note: Baljit will not receive the Warwick Additional Bursary, even though she is 21 or over, because she is not entitled to the Warwick Bursary

Richard

Richard (27) lives with his partner Rosie. In the 2018/19 tax year, Rosie earned £25,500. Richard has decided to quit his job so that he can focus fully on his studies.

Richard is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan: £9,138
Warwick Bursary: £1,000
Warwick Additional Bursary (due to being aged 21 or over): £1,000
Total: £11,138 (paid directly to Richard)

Fiona

Fiona (41) is married to Graham and they have two children (aged 6 and 8). In the 2018/19 tax year, Graham earned £30,000. Fiona is a full-time mum.

Fiona is entitled to:

Tuition Fee loan: £6,750 (paid directly to Warwick)

Maintenance loan: £8,544
Warwick Bursary: £1,000
Warwick Additional Bursary (due to being aged 21 or over): £1,000
Total: £10,544 (paid directly to Fiona)

Chloe

Once you have left university you will start repaying your Student Loan, but only if you are earning over the repayment threshold (£26,575 from April 2020). You can find out information about the process on our Student Funding repayment page.

Chloe completed her degree in June 2018 and is now working in the civil service as a policy adviser. She is earning £30,000 a year.

Her employer deducts £25 per month from her salary, for her Student Loan repayment. Chloe’s take home pay per month is £1,810.

Alastair

Once you have left university you will start repaying your Student Loan, but only if you are earning over the repayment threshold (£26,575 from April 2020). You can find out information about the process on our Student Funding repayment page.

Alastair is now working as a Team Leader in a Care Home, having completed his degree in June 2017. He is earning £24,000 a year.

Alastair is not currently earning over the repayment threshold, so he is not paying back anything towards his Student Loan.