Who can apply
Whether you qualify for a loan depends on
- your university or college
- your course
- your age
- your previous study
- your nationality or residency status
Other restrictions apply, for full details visit the student finance eligibility page.
When to apply
Applications open around April for students starting in September of that year. You do not need a confirmed place at university to apply – you can apply and then update your details later if needed.
Apply as soon as you can to make sure your loans are in place for the start of the academic year. You can still apply for a loan up to nine months after the first day of the academic year.
Look out for information from Student Finance England regarding the date you will need to apply by to ensure your loans are in place for the start of the academic year. This is normally towards the end of May if you are starting in September.
Repaying your loan
Repayments for both loans start from the April after you have completed/left your course and only if you are earning over £27,295 a year. This figure is subject to change.
Repayments are taken directly from your wages each month, just like tax and national insurance. The amount you pay back each month depends on how much you earn.
Use the loan repayment estimator to find out how much are you likely to repay per month.
For more information on how repayments work and how they are calculated, visit the student finance repaying your loan page.
Interest starts being added to your loan from when the first payment is made to you or to the university. Find out more about how interest is applied on the student finance repaying your loan page.
Depending on your circumstances you may also be eligible for:
You can apply for these at the same time you apply for your loans.
Other sources of funding
Bursaries and training grants are available for some teacher training, health and social care courses.
We offer a range of scholarships or bursaries you can apply for.
For help applying for a loan, please contact Student Finance England.
Please contact the NHSBSA for help applying for the NHS Learning Support Fund or Social Care Bursary.
For information and advice about teacher training courses and funding, please visit the Get into Teaching help and support page.