Studying in the UK as a Home student comes with significant financial support but understanding who qualifies, what you’re entitled to, and how to apply can be confusing.
Home & Local Admissions
UK & Scotland Students
At Study in University, we guide UK and Scotland-based students through Student Finance England (SFE) and Student Awards Agency Scotland (SAAS) applications, university admissions, and funding decisions — all in one place.
Apply Now
Studying in England, Wales & Northern Ireland
Student Finance England (SFE)
If you are ordinarily resident in England (or applying through equivalent bodies in Wales or Northern Ireland), your funding is managed through Student Finance England.
What Funding Is Available?
Tuition Fee Loan:
The government pays your tuition fees directly to your university:
- Foundation Year: £5,760
- Undergraduate Degree: £9,535 per year
Maintenance Loan:
Supports living costs such as rent, food, and travel. The amount depends on household income and where you live:
- Approx. £6,500 – £18,000 per year
Childcare Grant:
Students with dependent children may be eligible for up to £10,000 per year, which does not need to be repaid.
How Undergraduate Payments Work
Funding is released in stages throughout the academic year.
Tuition Fee Loan (Paid to University):
- 25% at the start of Term 1
- 25% at the start of Term 2
- 50% at the start of Term 3
Maintenance Loan (Paid to You):
- 33% at enrolment / Term 1
- 33% at the start of Term 2
- 34% at the start of Term 3
Payments are released once your enrolment and attendance are confirmed.
Studying in Scotland
Student Awards Agency Scotland (SAAS)
If you are ordinarily resident in Scotland, your funding is managed by SAAS. Scottish funding often works differently — and in many cases can be more generous.
Living Cost Loan & Bursary:
Students may receive a combination of:
- A non-income assessed loan (baseline support)
- An income-assessed bursary (for lower-income households)
Typical combined support ranges between £8,000 – £10,000+ per year, depending on circumstances.
Part-Time & Distance Learning Support:
Eligible students may apply for the Part-Time Fee Grant (PTFG), covering tuition costs for part-time study.
Postgraduate Funding (Scotland):
SAAS also provides funding for eligible postgraduate taught courses, including tuition and living-cost loans.
Courses With English & No English Test Required
Courses With No English Test Required:
Many UK universities offer Foundation Year pathways that do not require IELTS or formal English tests.
Popular options include:
- Business & Tourism
- Computing
- Project Management
- Psychology
Entry is usually assessed through:
- An interview
- A short written assessment
When an English Test Is Required:
Some courses particularly direct entry degrees or postgraduate programmes may require proof of English proficiency through:
- IELTS
- Duolingo
- Oxford OPT
- ELPT
Requirements vary by course and institution, and we help you choose the most suitable route.
Postgraduate (Master’s) Funding United Kingdom
Postgraduate (Master’s) Funding – UK:
Eligible students can apply for a Postgraduate Loan of up to £12,421, covering tuition and living costs.
The loan is paid directly to the student in three instalments:
- 33% at course start
- 33% after ~4 months
- 34% after 7–8 months
There is no separate maintenance or childcare grant for postgraduate study.
Student Loan Repayments Explained:
You only start repaying your student loan once your income exceeds £27,295 per year.
Apply Now
- Repay 9% of earnings above the threshold
- No repayment if you earn below the threshold
- Any remaining balance is written off after 40 years
Example:
If you earn £30,000 per year, your monthly repayment is around £20.
Study Locations We Support
We work with universities and colleges across major UK cities, including:
Birmingham
Manchester
Glasgow
How We Support Home Students
Our service is designed to remove stress and uncertainty:
- Course and university matching
- SFE and SAAS application support
- Document preparation and review
- Interview and enrolment guidance
- Ongoing support until funding is confirmed
Get in Touch With Us
Start your English language journey with confidence
