UK Student Finance: Do You Qualify?
UK residents may be entitled to government funding covering both tuition fees and living costs, regardless of where you originally came from.
This page is for UK-based students only. UK Student Finance (Student Finance England) is available to people living in England who meet specific residency requirements. If you're applying to study in the US, Canada, Australia, or elsewhere. Different funding routes apply. Book a free consultation →
Who Qualifies
You need one of the following statuses, plus the additional requirements below.
Plus all of the following:
- Aged 18 or over
- No previous UK undergraduate degree
- Living in England when your course starts
What Student Finance Covers
The government pays your university directly. You only repay once you're earning well.
Tuition Fee Loan
Covers your full course fees, paid directly to the university. You never see the money or deal with it yourself.
Maintenance Loan
A lump sum each term to cover living costs: rent, food, travel. Amount depends on your household income and location.
Fair Repayment Terms
You only repay when earning over £25,000. Just 9% of what you earn above that threshold, automatically deducted like tax. Written off after 40 years.
What We Provide
We handle everything — from eligibility check to enrolment day.
Eligibility Check
We confirm you qualify before you commit to anything.
Application Support
We handle paperwork, personal statements, CV support, and university communication.
Finance Guidance
We walk you through the Student Finance application step by step.
Ongoing Support
We stay with you until you're enrolled and studying, and check in after you start too.
Your degree, funded by the UK Government
Student Finance England covers your tuition fees in full, paid directly to the university. You receive a separate maintenance loan each term for living costs. Repayments only start when you're earning over £25,000, and the balance is written off after 40 years.
- Tuition fees covered in full
- Living costs support each term
- Only repay when earning well
- No impact on day-to-day finances while studying
Student Finance England
Government-backed, not a commercial loan
Frequently Asked Questions
Is your service free?
Yes, completely free. Universities pay us when you enrol and continue your studies. There is no cost to you at any stage.
I'm not a British citizen. Can I still get funding?
Yes, if you hold EU Settled Status, Pre-Settled Status, ILR, or certain refugee statuses. Book a free consultation and we'll check your situation in minutes.
Do I need to quit my job to study?
No. Most students work while studying. Universities offer flexible timetables designed for working adults: evenings, weekends, or two days per week.
Can I apply without existing qualifications?
Yes. Many universities offer a Foundation Year, a one-year entry route that leads directly into a full degree with no prior qualifications required.
How long does the process take?
For most students, 2–8 weeks from first enquiry to enrolment confirmation. We handle all guidance, university communication, and make your journey easy.
Still got questions?
Scroll down to fill in the form and we'll check your specific situation, or give us a call directly.