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Part-time Home (UK) student funding for 2019/20 entry

The information below is a broad overview of funding for the 2019/20 academic year. It's important to check out your own funding situation by referring to the official Student Finance web pages.

Student Finance England funding

This information is for students living in England looking to apply for funding from Student Finance England (SFE) in the 2019/20 academic year.

Other funding bodies

You can get information on the funding available for students from Scotland, Northern Ireland and Wales from Student Awards Agency for Scotland, Student Finance Northern Ireland, and Student Finance Wales.

Apply for funding

If you want to ensure your funding application is processed before the start of your course so that you have your money on day one, you must submit your application online as soon as possible once the application service opens.

See our top tips for making a funding application.

Student funding video guides

Funding sources

Eligibility for funding

If you already have an honours degree, you won't qualify for financial support from SFE unless you are studying a part-time course in one of the STEM subjects including Engineering, Technology or Computer Science. See further information on ELQ.

If you have other previous study but have not achieved the qualification this could affect the number of years funding you are entitled to. Please contact a Money Adviser or your funding body to find out how this may affect you.

To qualify, you'll need to register on a designated part-time course that is equivalent to at least 25% of a full-time degree course (30 credits or more), and you'll need to be classified as a Home (UK) or EU resident student. View full eligibility criteria.

Tuition fee support

The tuition fees charged for part-time courses depends on the number of credits you study each academic year.

Tuition fees for most part-time courses are charged on a pro-rata basis, so 50% of a full-time course would cost £4,625 per academic year.

You can apply for a non means-tested loan up to £6,935 each year. You can choose to borrow a lesser amount (or none) and pay the difference (or all of your tuition fees) up front each year.

The fee loan is paid directly to the University. Find out how and when you repay your loan.

The maintenance loan

You can apply for a means-tested loan each year for your living expenses, which is paid into your bank account at the beginning of each term.

Course intensity

How much loan you can get depends firstly on your ‘course intensity’. Course intensity measures your course each year compared to an equivalent full-time course. To work this out, you need to know how many module credits you'll study when you apply for the loan. The table below shows the maximum maintenance loan amounts per academic year depending on the intensity of your course, ie the number of credits you're studying per academic year.

Household income

How much loan you can get depends secondly on your parents' or partner's household income. This can reduce the living cost loan because it is means-tested based on this income. To work out how much you could get, you need to know whose income and what portion of that income counts

Students living away from home with a household income (parents' or partner's) above £25,000 gross taxable income lose £1 of loan for every complete £7.79 of income above £25,000, until the amount they receive reaches 46.6% of the maximum amount, at which point there is no further reduction.

Students living with their parents lose £1 of loan for every complete £7.88 of income above £25,000, until the amount they receive reaches 44% of the maximum amount.

Maximum maintenance loan per academic year

Intensity of study per academic year Max maintenance loan for students living away from home based on 100% amount of £8,944 Max maintenance loan for students living with their parents based on 100% amount of £7,529
75% (full-time equivalent rate) = 90 credits £6,708 £5,647
66.6% = 80–85 credits £5,956 £5,014
50% = 60–75 credits £4,472 £3,765
33.3% =  40–55 credits £2,978 £2,507
25% = 30–35 credits £2,236 £1,882

You can also use the online student finance calculator.

Other sources of support

Read more about eligibility for the UWE Bursary and financial support from UWE Bristol.

You can apply for additional support if you have study-related costs arising from a disability. Disabled Students Allowances (DSAs) are not means-tested.

Student loan repayment

Repaying your student loan

When will I have to start repaying my loan?

If you're a part-time student, you'll become liable to repay your tuition and maintenance loan from the April after you finish or leave your course, or the April four years after the start of your course (even if you’re still studying), whichever comes first, but only if you’re earning over £25,725.

What if I earn less than £25,725?

If, for any reason, your income falls below £25,725, 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 - RPI) + 3%. This rate is applied during your studies and until the April after you finish or leave your course or April four years after you start the course, whichever comes first. After this, the interest rate will depend on your graduate earnings. The maximum is inflation rate (RPI) + 3% and the minimum is inflation rate (RPI) only.

How much will I be repaying each month?

Repayments will be 9% of income above £25,725, so the amount repaid each month will depend on earnings. For example, someone earning £26,000 would initially make repayments of just £2.06 per month.

The cost of your degree

The table below illustrates how much of your student loan debt you would repay based on your gross earnings. You’ll no longer need to make repayments when you’ve cleared your debt or 30 years have passed, whichever comes first. If you never get a job earning over the threshold, you’ll never repay. The debt is also cleared in the event of your death.

Gross Taxable Income Net monthly income Monthly repayment Annual repayment Total estimated repayment Repayment ends after
£20,000 £1,427 £0 £0 £0 30 years
£26,000 £1,767 £2.06 £24.75 £742.50 30 years
£31,000 £2,051 £39.56 £474.75 £14,242.50 30 years
£36,000 £2,334 £77.00 £924.75 £27,742 30 years
£41,000 £2,617 £114.56 £1,374.75 £41,242.50 30 years
£46,000 £2,901 £152.06 £1,824.75 £54,742.50 30 years
£56,000 £3,417 £227.06 £2,724.75 £81,742.50
30 years

Is the repayment earnings threshold likely to change?

The government announced that the earnings threshold will be adjusted annually in line with average earnings.

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