Student Finance explained for UK & EU students

Student Finance helps eligible UK & EU students pay for university in the UK. It is run by the government through Student Finance England (or the equivalent body in Scotland, Wales and Northern Ireland). Here is how it works.

Tuition Fee Loan

The Tuition Fee Loan covers your course fees. It is paid straight to your university, so you do not pay fees up front.

Maintenance Loan

The Maintenance Loan helps with living costs such as rent, food and travel. It is paid into your bank account at the start of each term. The amount depends on your household income and where you live and study.

Who can get Student Finance?

If you have been living in the UK for more than three years and you have proof of residency, you are eligible for both the Student Finance Tuition Fee Loan and Maintenance Loan to help support your studies.

When do I pay it back?

You only start repaying after you leave your course and your income is above the repayment threshold. Repayments are taken from your salary and are based on what you earn, not on how much you borrowed.

How EduExpress helps

• We check your eligibility before you apply
• We help you fill in the Student Finance application
• We tell you which documents to upload and when
• We follow up if Student Finance asks for more evidence

Official information is on gov.uk/student-finance. Final eligibility and amounts are decided by Student Finance England. Want help with your application? Talk to an adviser. Our help is free.

This guide gives general information. Rules for funding and visas can change, so always check the official website or ask an adviser.