Full-time Home (UK) student funding
It is important to check out your own funding situation by referring to the official webpages. The information below is a broad overview only and subject to change.
Student Finance England funding
Applications for funding 2017/18
You can apply for funding early in the new year. To ensure your application is processed before the start of your course, please submit your application online before the end of May 2017.
If you miss this date, don't panic – the statutory deadline for applications is 31 May 2018 for both new and returning students.
Student Finance funding queries
If you've already applied for Student Finance funding and have a query relating to your application, please see our Student Finance FAQs.
Student funding video guides
We have produced a series of video guides to help you understand undergraduate fees and funding:
- Part one – overview
- Part two – applying for your funding
- Part three – your student budget
- Part four – small print
Tuition fee support
You can apply for a non means-tested loan up to the maximum of £9,250 each year to cover the full amount of your tuition fees. You can choose to borrow a lesser amount (or none). Eligibility for the loan may be affected if you've previously studied in higher education, even if you paid the fees yourself. View details on previous study and Student Finance funding.
The fee loan is paid directly to the University. See below for information on repaying your fee loans.
Living costs support
The maintenance loan
This loan of up to £8,430 in 2017/18 is for your living expenses and is paid into your bank account at the beginning of each term. If you live with your parents during your studies, the maximum loan is £7,097.
As UWE Bristol’s academic year is longer than 30 weeks each year, our students may receive Longer Courses Loans at £90 per week (£59 if living with parents) for three or four weeks depending on the course you are studying.
Your household income can reduce the loan by up to 54%. The remainder is not affected by your household income.
Find out whether you are eligible for the UWE Bursary.
See below for information on repaying your loans.
Finance for a placement year
The tuition fees charged and the funding available is different if you take a placement year as part of your degree.
The tuition fees for your placement year are between £1,125 and £1,800. You can apply for a tuition fee loan to cover the fees.
Living costs funding
If you are on a paid or unpaid placement, you are eligible for a reduced living cost loan of £2,553 (£1,915 if living with your parents). However, if you are on an unpaid placement in one of the following institutions, you'll be eligible for the full package of funding as for a standard year of study:
- A hospital or in a public health service laboratory or with a clinical commissioning group in the UK
- A local authority in the UK acting in the exercise of its functions relating to the care of children and young persons health or welfare, or with a voluntary organisation providing facilities or carrying out activities of a similar nature in the UK.
- A local authority acting in the exercise of public health functions.
- The prison or probation and aftercare service in the UK.
- A UK institution doing unpaid research.
- A Special Health Authority, the NHS Commissioning Board, the National Institute for Care and Excellence, the Health and Social Care Information Centre, a Local Health Board, a Health Board or a Special Health Board in Scotland, or a Health and Social Services Board in Northern Ireland.
- Unpaid service in the UK Parliament.
Please note: Students on placements are not eligible for Disabled Students Allowances.
Other financial support for paid placements
If you're over 25 and working 30 hours or more, you may be eligible for working tax credits. This can include help with childcare costs. Contact the Tax Credit Helpline for a claim form on +44 (0)345 300 3900.
For help with obtaining a placement, see our placement section.
Finance at a glance
Finance for 2017/18
Part of your funding depends on household income. So to work out how much you could get, you need to know who is in your household and what income counts. View further information on means-tested funding:
|Gross taxable household income of parents’ or partner’s||Maintenance loan for students living away from home||Maintenance loan for students living with their parents|
|£25,000 or less||£8,430||£7,097|
How much will my degree cost?
Repaying your student loan
When will I have to start repaying my loan?
If you're a full-time student, you'll start to repay your tuition and maintenance loan in the April after leaving higher education – but only when and if you're earning at least £25,000.
If you're a part-time student, you'll become liable to repay from the April after your fourth year of study. A part-time student starting in 2017 would become liable to repay from April 2022, but only if they're earning over £25,000.
What if I earn less than £25,000?
If, for any reason, your income falls below £25,000, your repayments will be suspended.
Is interest charged on these loans?
Yes. The maximum interest rate is inflation rate (also known as retail price index) + 3%. Inflation rate is currently 3.1%. This rate is applied during your studies and until the April after you graduate. After you complete your course, (or after the fourth year of study as a part-time student), the interest rate will depend on your graduate earnings. The maximum is inflation rate + 3% and the minimum is inflation rate only.
How much will I be repaying each month?
Repayments will be 9% of income above £25,000, so the amount repaid each month will depend on earnings. For example, someone earning £25,500 would initially make repayments of just £4 per month.
How much will my degree actually cost?
If you borrow the maximum fee and maintenance loan for each year of a three-year course, your outstanding balance will be £53,040. The interest accrued during your studies will be just over £6,470 (based on an RPI of 3.1%). How much of this student loan debt you'll actually repay – ie how much your degree will cost you – will depend on how much you earn as a graduate in the 30 years after you graduate.
The table below illustrates how much of your student loan debt you would repay in total, over a 30-year period, based on the following income levels. The higher your graduate earnings, the more you repay. The lower your graduate earnings, the less you repay. Any outstanding student loan debt is then completely written off.
|Income||Net monthly income||Monthly repayment||Annual repayment||Total estimated repayment||Repayment ends after|
Is the repayment earnings threshold likely to change?
The government announced that the earnings threshold will be adjusted annually in line with average earnings.
How do I repay these loans?
You'll be liable to repay from the April after you graduate. You'll remain liable to repay for a maximum of 30 years, or until the loan is paid off – whichever comes first. However, you only repay when you earn more than the repayment threshold of £25,000. The repayment rate is 9% of gross earnings (ie before tax and national insurance deductions) above the threshold.
So as an indication, if you earn £26,000, your monthly repayments would be £7.50. Any outstanding debt will be completely written off after 30 years of liability to repay. The debt will not be passed on to anyone in the event of death.
Social Work programmes
Social Work Bursary
If you are studying a Social Work programme you may be eligible, on top of the funding described above, for a Social Work Bursary in years two and three of your course. The residency requirements for the Bursary restrict eligibility to English resident students studying at UWE Bristol. The Bursary is provided by NHS Business Service Authority (NHSBSA), formerly known as General Social Care Council (GSCC).
The Social Work Bursary is now only paid to selected students in years two and three of their course. This will support those unable to work part-time due to course commitments. Students must take 200 days of placements in years two and three.
The number of bursaries will be capped, which means you may not receive a bursary even if you've successfully passed year one, although you may be eligible for help with placement travel expenses.
How much is the Bursary?
The Social Work Bursary is £4,862.50 for the 2017/8 academic year. We don't know how much the bursary will be for second year students in 2018/9.
Practice placement travel expenses
A contribution of £862.50 for practice placement travel expenses will be paid to eligible students who do not receive one of the capped bursaries. These expenses will be paid in years two and three.
How to apply for the Social Work Bursary
You can apply from 31 May at the end of your first year. The deadline for applications is 30 November. It's important to apply as soon as you are able to.
How will the NHSBSA decide who receives a bursary?
Students will need to:
- meet the outcomes set out at entry level of the PCF (Professional Capabilities Framework) which is owned by the College of Social Work (TCSW) on behalf of the profession; and
- have already passed the ‘readiness to practice’ threshold (end of Year one studies) which is part of the PCF; and
- have experience of the sector eg work related, or user/carer experience; and
- have other work/life experience related to the sector or likely to be of value to the sector.
If too many students remain after the above criteria are applied, then a range of other relevant factors will be taken into account (eg grades/academic points, attendance, admissions criteria).
The NHSBSA's decision on students' eligibility is final, and there's no appeal process on the bursary.