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Maintenance loans

The other major cost at university is living costs – this includes accommodation, utilities, travel, food, stationery and any course materials. If there are costs associated with your particular course of study this will be outlined on our course finder pages.

To support with meeting these costs, you’re entitled to apply for a maintenance loan. This is a means-tested loan and will take a number of factors into consideration including:

  • Household income – this means the total gross income of the students’ parent(s), caregivers or spouse living in the household where the student lives;  
  • Living arrangements – students living away from home are entitled to a higher maintenance loan than those staying in the family home;
  • Students with a dependent child(ren) or spouse may also be entitled to extra funding to support them such as a Childcare Grant, Parents Learning Allowance or an Adult Dependants’ Grant.

There are other factors taken into account but these are the major ones. There is a handy calculator on the Student Finance website which you can use to check eligibility for student loans.

You apply for your maintenance loan at the same time as your tuition fee loan and it is paid directly into your bank account in three instalments. The first instalment will be paid once your attendance at University has been confirmed – we use the date you collected your ID card as the confirmation  of attendance and it can take three to five working days after this before the monies are released.