UK and EU student loans
Eligibility for student loans
Your eligibility for student finance will depend on certain criteria, such as your nationality and residency status, your course, and previous study at higher education level.
Check if you're eligible for student finance.
Tuition Fee Loan
You can apply for a Tuition Fee Loan to cover your tuition fees. It is non-means tested, which means the amount you can receive is not based on your household income. The Loan is paid directly to the University so, if you choose to take the full Tuition Fee Loan, you won’t have to set up any payments.
Maintenance Loan for living costs
You can apply for a Maintenance Loan towards your living costs such as accommodation, food and bills. This loan is means-tested, so the amount you receive is partially based on your household income and whether you choose to live at home or in student accommodation.
Find out more about government student loans for home students residing in England.Link opens in a new window
If you’re starting a course on or after 1 August 2021, you usually must have settled or pre-settled status under the EU Settlement SchemeLink opens in a new window to get student finance.
Tuition Fee Loan
If you are an EU student and eligible for student finance you may be able to get a Tuition Fee Loan to cover your fees. It is non-means tested, which means the amount you may receive is not based on your household income. The Loan is paid directly to the University so, if you choose to take the full Tuition Fee Loan, you won't have to set up any payments.
Help with living costs
For the 2023 academic year, you may be eligible for help with your living costs if both of the following apply:
- You have lived in the UK for more than 3 years before the first day of the first academic year of your course
- You have Settled Status (see further details on Settled Status)Link opens in a new window
If you are coming to the UK from 1st January 2021, you may need to apply for a visaLink opens in a new window to study here.
Please note: Irish citizens do not need to apply for a visa or to the EU Settlement Scheme.
Find out more about government student loans for EU studentsLink opens in a new window
Repaying your loans
You will repay your loan or loans gradually once you are working and earning above a certain amount (for students starting their course after 1 August 2023 the repayment threshold is £25,000). Repayments will be taken directly from your salary if you are an employee. If your income falls below the earnings threshold, your repayments will stop until your income goes back up above this figure.
Find out more about repaying your student loan.Link opens in a new window
For more information about funding please visit Student Funding.