Funding your studies

Higher education can be a major investment in your future, but as such you'll need to think about the finances involved.

Most students are responsible for paying their own tuition fees, except Scottish and EU applicants in Scotland.

However there's a range of financial support that you might be eligible for – take a look below.

Izzy Dunbar

'Learning is a continuous journey' – Izzy's life has been transformed by education. Watch her video and read her case study in Related case studies below.


There are no age limits, so mature students can apply at any time of life – as long as it's the first time you'll be studying for a degree.

  • Most students are eligible for an undergraduate tuition fee loan from the Student Loans Company.
  • Maintenance loans and grants are also available – to help with living costs such as rent, food, books and transport.
  • There are part-time funding options as well.

You may be able to get financial support if you're studying at postgraduate level, including postgraduate teacher training, or for performing arts audition fees at conservatoires.

Check fees in our search toolGet an overview of student finance

Repaying your loan

Repayments start once you've left higher education, but only if you're earning above a certain threshold – currently £21,000.

  • If you start earning above the threshold you'll repay 9% of everything you earn above it.
  • If you never earn above the threshold you'll never need to repay the loan, and the debt will be wiped out after 30 years.
  • If you don't complete your course you'll still need to repay the loans you've had so far, but only from the following April after your intended completion date.

For independent advice on affording higher education take a look at the Money Saving Expert website.

My most important lessons are to never give up and when an opportunity presents, take it!"

Izzy Dunbar, Lancaster University.  Read the full case study here.