Help and support
We appreciate that finance is one of the key considerations when you’re applying to university. It’s only natural to wonder how you will pay your tuition fees, living expenses and all of the costs associated with going to university.
That's why our Student Money Advice and Rights Team (SMART) is on hand to help you with any questions or problems you may have before and during your time as a student here.
The information on this page is for UK students makes references to the financial support available to home students who are resident in England.
If you’re resident in Scotland, Wales or Northern Ireland, please refer to the information sources below:
Student Awards Agency for Scotland
Student Finance Wales
Student Finance Northern Ireland
Need advice on money matters, scholarships or tuition fees?
Choosing to study for a university degree is an investment in your future. For guidance on the funding available and advice on how to keep control of your finances, contact our Student Money Advice and Rights Team (SMART).Contact SMART
Tuition fees (Home /EU)
• No up-front fees
• Students don’t pay - graduates pay
• You only pay back your loan once you start work and earn more than £21,000 per year
• Graduates on average earn £12,000 per year more than non-graduates over their working lives.
Part-time tuition fees (home/EU)
Government loans and grants
As a UK/EU student studying either full-time or part-time, you can apply for a government Tuition Fee Loan from Student Finance England to cover the cost of your tuition fees.
This money is paid directly to the University of East London on your behalf. It means that you personally don’t have to pay anything upfront towards tuition fees before you begin your university education.
If you’re a part-time student, you must be studying at an intensity of at least 25 per cent of what you’d be studying on an equivalent full-time course to be eligible for a tuition fee loan.
To qualify for student finance, including tuition fee loans, you have to satisfy certain residence requirements. For most people, this means you must be living in England on the first day of your course, have been living in the UK for the three years immediately beforehand and do not have any restrictions on your stay in the UK.
There are also other ways you can meet the requirements. For example, you may be eligible if you’re a refugee living in the UK. Read more.
In general, you'll only be eligible for the finance package for higher education students if you're doing a first higher education qualification or are 'topping up' a lower-level higher education qualification. Usually, this means financial help for the length of your course.
The size of the Tuition Fee Loan available is linked to the amount the University of East London charges for your chosen course. For example, if your part-time tuition fees are £5,500, the maximum Tuition Fee Loan available will be £5,500. If your full-time fees are £9,000, the maximum Tuition Fee Loan available will be £9,000.
The loans are not means-tested, so if you’re an eligible student you will be able to apply for the maximum amount, regardless of your household income.
You can apply for a Tuition Fee Loan directly from the Student Loans Company.
Tuition fee loan
You only have to start repaying your Tuition Fee Loan after you have graduated or left your course and when you’re earning more than £21,000 a year. Repayments will be nine per cent of the amount earned above £21,000 and will usually begin in the April after you graduate or leave your course.
Interest will be added at a rate equal to inflation plus three per cent from the time you take out your loan until the date when repayment is due. From then on, the interest rate will vary according to your earnings.
If you’re earning £21,000 or less, the interest rate will reduce to just the rate of inflation. If you’re earning more than £21,000, there’ll also be a real rate of interest added above the rate of inflation. The maximum rate of interest will remain at the rate of inflation plus three per cent if you’re earning £41,000 or above.
HM Revenue and Customs collect the repayments. Either your employer will take your payments directly from your salary or, if you’re self-employed, HM Revenue and Customs will collect the repayments through the tax self-assessment system.
If you earn less than £21,000 a year or stop working at any point, you won’t have to make any repayments during that period. If any of your loan is left unpaid after 30 years, it is written off.
For some examples of repayments please refer to the table:
Annual salary Monthly repayment
Repaying your Tuition fees
Living cost support for eligible students is available in two ways:
Maintenance Grant: As a UK full-time student with a household income below £42,620, you may be entitled to a Maintenance Grant. This is paid on a sliding scale up to a maximum of £3,387, towards living costs such as food, accommodation and travel.
You’ll receive the maximum grant if your household income is £25,000 or less, or a partial grant for household incomes between £25,001 and £42,620. The grant doesn't have to be paid back and is paid directly to you three times per year, at the same time as any loan payments.
Please note that if you qualify for the Maintenance Grant, the size of the Maintenance Loan to which you are entitled will go down.
For information about how to apply for Tuition Fee Loans, Maintenance Grants and Maintenance Loans, visit: www.gov.uk/student-finance/overview
Maintenance Loan: This is available only to UK full-time students. The amount you can borrow is dependent on your household income and where you live and study. If you live/study in London, you receive a higher amount.
You can get a maximum Maintenance Loan (also known as a living costs loan) of £8,000 to help with living expenses. This is paid directly to you in three instalments over the year. You repay this in the same way as your Tuition Fee Loan, i.e. when you finish your course and are earning more than £21,000 per year.
The size of the loan you receive is partially means-tested and will also vary if you qualify for the maximum grant. Sixty-five per cent of the loan is non-means tested, which means everyone is entitled to this sum regardless of household income. Thirty-five per cent is means-tested. Your household income will be assessed by Student Finance England.
For information about how to apply for Tuition Fee Loans, Maintenance Grants and Maintenance Loans visit www.gov.uk/student-finance/overview
Special Support Grant: This is available only to full-time UK students. You may receive a Special Support Grant instead of a Maintenance Grant if you receive or qualify for Income Support, income-related Employment and Support Allowance, Housing Benefit or the housing element of Universal Credit.
The amount you get is the same as the Maintenance Grant (ie. up to £3,387), but it won’t reduce the Maintenance Loan. You may get the Special Support Grant if, for example, you’re a lone parent or have certain disabilities.
For information about how to apply for Tuition Fee Loans, Maintenance Grants and Maintenance Loans visit: www.gov.uk/student-finance/overview
Help towards your living costs
Additional Government grants and allowances
You must meet the definition of disability under the Equality Act 2010. The support you receive depends on your individual needs and not on income.
You can get help with the costs of specialist equipment (up to £5,212 for the whole course), non-medical helpers (up to £20,725 a year for full-time students and £15,543 for part-time), extra travel costs because of your disability and a range of other disability-related costs of studying. Postgraduates can get a single allowance of up to £10,362 a year.
For more information and details of how to apply, visit https://www.gov.uk/disabled-students-allowances-dsas#overview
You can find the contact details for your local authority by visiting https://www.gov.uk/find-your-local-council
This is available for UK full-time students only. If you need childcare during your studies, you may be eligible for a Child Care Grant. The grant is means-tested and could provide up to 85 per cent of your childcare costs.
The maximum grant available is £150.23 per week for one child or £257.55 per week for two or more children and is non-repayable. You may also be eligible to receive a Parents' Learning Allowance to help with additional costs you may incur during your study because you have children. This may be up to £1,523 per year. Again, the actual amount will depend on household income.
For more information and details of how to apply, visit https://www.gov.uk/help-with-childcare-costs/support-while-you-study
For further information, visit the Department for Education website at http://www.education.gov.uk/get-into-teaching/funding
All eligible NHS students receive a non-repayable, non-means-tested grant of £1,000 a year. Students can also apply for a means-tested non-repayable bursary. The amount you receive depends on household income, the length of your course and where you are living while studying, e.g. living with your parents or living away from home.
You can also apply to Student Finance England for a reduced-rate student loan. There are two rates of loan available. It’s slightly higher loan if you live away from home and lower if you live with your parents while you study.
Note: European Union students are eligible to have their course fees paid but are not usually eligible for the bursaries or grants available.
You can find more information about the social work bursary and details of how to apply at www.nhsbsa.nhs.uk/swb.
External financial aid
Get help from outside organisations
There are a number of external organisations that offer financial help to students. You can follow the links below to view additional support, which you may be able to apply for. Alternatively, why not try visiting www.scholarship-search.org.uk
Please note that the University of East London is not responsible for the content of these external sites and is not associated in any way with the funding schemes and their application.