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New applicants must register online then follow the application procedure.
Online applications are preferable, but paper applications may be available (see below).
If being income assessed, your parents/partner will also need to register and complete their section of your application or complete a PFF2 form. If you are not income assessed, you will only receive the tuition fee loan and the basic maintenance loan.
If you change your mind and wish to be income assessed, you will need to contact SFE and ask to be 'means tested'. You will need to complete the non-means tested to means tested form.
If you need to make any changes to your application you can contact SFE or edit your application online.
If your parents' income has dropped by at least 15% since the 2019/20 tax year, they will need to also complete a current year income assessment form.
Handy guides
Access all the right information on student finance:
Gov.uk's Student Finance Calculator to calculate extra funding or allowances
Money Saving Expert's guide to student finance including how to apply, tips and extra money you might be entitled to.
The Money Advice Service 'What you need to know' article
Eligibility
Students must meet two eligibility requirements: personal eligibility and course/institution eligibility. Personal eligibility principally concerns the student's residency status. To achieve course/institution eligibility, the student must be studying for an undergraduate degree at a UK degree-awarding institution or other verified higher education institution (HEI). Students on some teacher, youth and community worker courses are also eligible for SLC support.
Tuition fee loan
All full-time students are entitled to a loan covering the full tuition fee. Tuition fee loans go directly to your university or college and not to your bank account. You only start repaying these, along with any maintenance loans you have taken out, once you’ve completed your studies and started earning above a certain amount.
Maintenance loan
A maintenance loan means you will receive funding for your day to day expenses directly into your bank account. This money will have to be paid back but only after you start earning above the repayment threshold. For all undergraduate students entering university education after 2012, the current repayment threshold is a salary above £27,295. If you happen to lose your job for any reason or fall on hard times, your payments will stop once your income drops below the threshold.
Maintenance loans are available to all students eligible for Student Finance England . The amount distributed is dependent on several factors which can include where you are studying, household income and whether there are other dependents in your household.
Appealing to Student Finance England
If you think a decision SFE has made in relation to your funding application is wrong, you have the right to appeal. An appeal is a formal request to Student Finance England asking them to review a decision about whether you can get financial help and if so how much. To find out more take a look at this PDF, or go to https://www.gov.uk/contact-student-finance-england
sfe_appeals_leaflet_d.pdfChange of Circumstances
If you are planning to change your course, postpone or defer your studies or withdraw from the course, you can use these guidelines to ensure your student finance will be in order. If you're not sure of what to expect when you change circumstances, you can speak with your tutor or the Student Support team.
financial-hardship-process-guidance-v20.pdfStudent Finance- Change of Circumstances (3).pdfFinance FAQs
Finance FAQs
You're moving on to the next year of your course and you need to re-apply for a student loan.
You’re a continuing student if you are:
moving on to the next year of your course
repeating a year of the same course or returning to a course after taking time out
transferring onto a new course from your old course
You should log in to your student finance account and apply online.
You’re returning to study after taking time out for personal reasons
There’s a different process if you have studied for more than one year before and you’re going back to your studies after stopping your course because of personal reasons. This could be for things like if you were ill, pregnant, caring for someone or someone close to you died.
You should log in to your student finance account and apply online.
You must also send a letter explaining why you suspended your studies with supporting evidence.
The letter must include:
your customer reference number for student finance
an explanation of your situation and why you had to suspend your studies
Supporting evidence can include:
a letter from your doctor or social services on headed paper
a letter from your university or college on headed paper
copies of birth or death certificates
You might need to send more than one piece of evidence if it helps you to show why you stopped your course.
Use your online account to send the letter and evidence to Student Finance England, or send it by post.
Student Finance England
PO Box 210
Darlington
DL1 9HJ
Student Finance England will send you a letter confirming how much you’ll get, usually within 8 weeks.
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