Student Finance at 18+:

understanding fees, loans and grants for university

Student Finance England offer a range of support to help cover tuition fees and living costs, your two main expenses while at university or college.For a Quick Start Guide to Student Finance for Higher Education, please click on the image on the left.

The range of financial support available depends on your circumstances, your course and where you study. The main types of finance are Tuition Fee Loans and Maintenance Loans (which have to be paid back) as well as grants and bursaries (which don’t). The good news is most students won’t have to pay anything up front.

The best way to apply for this support is online. Click on the image for more details.

Extra support is also available for those with special circumstances, for instance if you have children or adult dependants, a disability, mental-health condition or a specific learning difficulty such as dyslexia or dyspraxia.

Repayments only start when you have left university and earn over a set amount and what you repay will depend on what you earn, not what you owe.  So make sure you do your homework and find out about student finance – everything you need to know is available on or follow Student Finance England on Facebook, Twitter & YouTube for regular updates.

A simple guide to applying for Student Finance is available from the Careers department for all sixth form students who have submitted their UCAS applications.  DO NOT DELAY in applying for student finance!

Once you have registered online with Student Finance England and are ready to start your application, remember to have the following documents to hand:

  • Passport (if you have one)
  • University and course details (don’t worry: these can be changed at a later date if necessary!)
  • Bank details
  • National insurance number
  • Your parent’s details, including their National Insurance number and household income information

The online application process is interactive and responsive to the information you submit, so your experience of completing the online forms may be different to that of your friends.

In addition, you may also find the following links useful:

Managing Money

The Money Charity provides information and advice on managing money. Click here to read their latest Student “Money Manual 2016”.

Everything you need to know about Student Finance

The Student Room website has lots of useful information on Student Finance brought to you by Student Finance England. Click on the image to be taken to the Student Finance Zone.


If students have queries about student finance, please speak to a member of the Sixth Form team or contact Student Finance England directly:

Student Finance England

Phone number – 
0845 300 50 90

Opening hours –  
Mon – Fri, 8am to 8pm;
Sat and Sun – 9am to  5.30pm

Minicom –  
0845 604 44 34

Address for paper applications and evidence –
Student Finance England, PO Box 210, Darlington, DL1 9HJ