University loans in England: tuition, living costs and repayment

Understand the difference between student loans and the questions to ask before accepting support. This guide sets out practical checks and questions to ask your university.

Tuition fee borrowing

A Tuition Fee Loan may cover eligible course fees if your application is approved. Payment is usually made directly to the provider. Check the university’s fee, payment schedule and what happens if you change course or provider.

Borrowing for living costs

A Maintenance Loan may help with costs such as accommodation and travel. Eligibility and amount are assessed under the rules for the relevant year. An estimate is not a decision; plan for costs that remain uncovered.

Understand repayment before agreeing

Student loans have specific rules about when and how repayment works. These depend on the applicable plan, income and current law. Read the official information for your start year and keep your loan agreement.

Check what happens if plans change

Withdrawing, transferring or repeating a year can affect funding and may create additional obligations. Speak to the university finance office and Student Finance England before deciding.

Frequently asked questions

What is the difference between the two loans?

One is for course fees; the other may contribute to living costs.

Is the tuition loan paid into my bank account?

Payment for eligible fees is normally made directly to the course provider.

Do I repay student loans?

Loans have repayment rules; check the official plan that applies to your circumstances.

Can any university receive student funding?

No. Check eligibility for the exact provider and course.

What if I change programme?

Funding and study arrangements may be affected. Ask for advice before transferring.

Where can I check current terms?

Read the official Student Finance guide for the year your course begins.