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UK Student Finance: do you qualify?

UK residents may be entitled to government funding covering both tuition fees and living costs, regardless of where you originally came from.

A graduate in cap and gown holding a class sign

This page is for UK-based students only. UK Student Finance (Student Finance England) is available to people living in England who meet specific residency requirements. The universities and courses on this page are for UK home students.

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Who qualifies

You need one of the following statuses, plus the additional requirements below.

One of these statuses

  • British Citizen
  • EU Settled Status
  • EU Pre-Settled Status
  • Indefinite Leave to Remain (ILR)
  • Refugee Status
  • Humanitarian Protection

Plus all of the following

  • Aged 18 or over
  • No previous UK undergraduate degree
  • Living in England when your course starts

Popular courses

A few of the courses UK home students take with us. Ask for the full list in your subject.

  • Umar Education · UK home studentsUN-01

    YOUYour cityLONLondon

    BA Business Management

    Arden University
    Level
    Undergraduate
    Duration
    3 years
    Intakes
    JAN · SEP

    StartsJAN

  • Umar Education · UK home studentsUN-02

    YOUYour cityLONLondon

    BA Business Management

    Middlesex University
    Level
    Undergraduate
    Duration
    3 years
    Intakes
    SEP

    StartsSEP

  • Umar Education · UK home studentsUN-03

    YOUYour cityCAMCambridge

    BSc Business Management

    Anglia Ruskin University
    Level
    Undergraduate
    Duration
    3 years
    Intakes
    SEP

    StartsSEP

  • Umar Education · UK home studentsUN-04

    YOUYour cityLONLondon

    BSc Computer Science

    London Metropolitan University
    Level
    Undergraduate
    Duration
    3 years
    Intakes
    SEP

    StartsSEP

  • Umar Education · UK home studentsPO-05

    YOUYour cityLONLondon

    MBA

    Arden University
    Level
    Postgraduate
    Duration
    1 year
    Intakes
    JAN · SEP

    StartsJAN

  • Umar Education · UK home studentsPO-06

    YOUYour cityLONLondon

    MSc Digital Marketing

    Middlesex University
    Level
    Postgraduate
    Duration
    1 year
    Intakes
    SEP

    StartsSEP

  • Umar Education · UK home studentsPO-07

    YOUYour cityCAMCambridge

    MSc International Business

    Anglia Ruskin University
    Level
    Postgraduate
    Duration
    1 year
    Intakes
    SEP

    StartsSEP

  • Umar Education · UK home studentsPO-08

    YOUYour cityLONLondon

    MSc International Business Management

    London Metropolitan University
    Level
    Postgraduate
    Duration
    1 year
    Intakes
    SEP

    StartsSEP

What Student Finance covers

The government pays your university directly. You only repay once you're earning well.

  • Student Finance EnglandUp to £9,250 / yearTuition Fee LoanCovers your full course fees, paid directly to the university. You never see the money or deal with it yourself.ForTuition feesUp to £9,250
  • Student Finance EnglandUp to £13,348 / yearMaintenance LoanA lump sum each term to cover living costs: rent, food, travel. Amount depends on your household income and location.ForLiving costsUp to £13,348
  • Student Finance England~£20 / month on £30k salaryFair Repayment TermsYou only repay when earning over £25,000. Just 9% of what you earn above that threshold, automatically deducted like tax. Written off after 40 years.ForPaying it back~£20

What we provide

We handle everything, from eligibility check to enrolment day.

  1. 1

    Eligibility Check

    We confirm you qualify before you commit to anything.

  2. 2

    Application Support

    We handle paperwork, personal statements, CV support, and university communication.

  3. 3

    Finance Guidance

    We walk you through the Student Finance application step by step.

  4. 4

    Ongoing Support

    We stay with you until you're enrolled and studying, and check in after you start too.

Your degree, funded by the UK Government

Student Finance England covers your tuition fees in full, paid directly to the university. You receive a separate maintenance loan each term for living costs. Repayments only start when you're earning over £25,000, and the balance is written off after 40 years.

  • Tuition fees covered in full
  • Living costs support each term
  • Only repay when earning well
  • No impact on day-to-day finances while studying
British five pound notes
Student Finance EnglandGovernment-backed, not a commercial loan

Frequently asked questions

Yes, completely free. Universities pay us when you enrol and continue your studies. There is no cost to you at any stage.

Still got questions?

Fill in the form and we'll check your specific situation, or give us a call directly.

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