THE TRUTH ABOUT STUDENT FINANCE AN INSIDERS GUIDE FOR 2017 ENTRY LUCY NOTTINGHAM HIGHER EDUCATION ADVISER

TUITION FEES UP TO £9250

Living AWAY FROM HOME IN LONDON MAINTENANCE LOAN Living at home £7097 Living away from home £8430 Royalties: Created by Pham Thi Dieu Linh form the Noun Project Living AWAY FROM HOME IN LONDON £11002

EVERYONE IS ENTITLED TO THIS TOPPED-UP BASED ON HOUSEHOLD INCOME How Much? FULL-TIME STUDENTS MAXIMUM LOAN EVERYONE IS ENTITLED TO THIS TOPPED-UP BASED ON HOUSEHOLD INCOME PARENTAL HOME £7,097 £3,124 £3,973 AWAY FROM HOME £8,430 £3,928 £4,502 LONDON £11,002 £5,479 £5,523 2016 FIGURES – NEEDS UPDATING WHEN ANNOUCED

STUDENT FINANCE CALCULATOR

9% ON EARNINGS OVER £21k A 30 YEAR GRADUATE TAX

REPAYMENTS £20k =£0 £30k =£68 £40k =£142

INTEREST RATES RPI plus up to 3%

Interest Rates £21000 or under £21000 - £41000 £41000+ RPI £21000 - £41000 RPI plus up to 3% A flexible rate based on the Retail Prices Index (RPI) and how much you earn. Whilst studying: RPI + 3% After Graduation: <£21,000 RPI £21,000 - £41,000 RPI+1% - RPI+3% >£41,000 RPI+3% £41000+ RPI plus 3%

APPLY ONLINE www.gov.uk/student-finance COURSE BANK DETAILS INCOME Royalties: created by Icon Fair from Noun Project INCOME NI NUMBER www.gov.uk/student-finance

You can’t fill in the form yet, however you can make an account if you want to get ahead, and make a note of details, someone once told me that 8/10 phone calls to student finance are people who have forgotten their log in details!

31 MAY Before this deadline the money is guaranteed for the start of your course in September. DEADLINE

Non-repayable FREE MONEY

Government Support LIMITED BUT THERE

TRAVEL COSTS FOR CLINICAL PLACEMENTS TRAVEL GRANT TRAVEL COSTS FOR CLINICAL PLACEMENTS It helps with travel costs if you’re attending a clinical placement in the UK or studying abroad as part of your course. It covers reasonable travel expenses during the academic year. You have to pay the first £303 of your travel costs but depending on your household income you can claim back anything you spend over this amount.

Government Support DSA DEPENDENTS Disabled student allowance CHILDCARE

BURSARIES AND SCHOLARSHIPS UNIVERSITY Support BURSARIES AND SCHOLARSHIPS

BURSARIES £1000-£1800 £1800 if £16,000 or less £1000 if between £16,001 - £20,000 £1000-£1800

BRIGHT SPARK SCHOLARSHIP A sparkling financial reward for your pre-university achievements GET YOUR REWARD

Bright spark SCHOLARSHIP 3 steps to success A/A* in RESEARCH PROJECT + AAB+ or 33+ IB Or equivalent + The deadline for applications is 12.00 noon on the 20th of March, 2017. Link to UEA RESEARCH THEME Any UEA subject, 300 words

SPORTS SCHOLARSHIP A complete financial and care package to support those at the top of their game BE THE BEST

MUSIC SCHOLARSHIP Financial support to nurture your musical ability whilst you study COULD IT BE MUSIC TO YOUR EARS?

Making the most of your money BUDGETING

Accommodation £148.82 pw £105.91 pw THE ESSENTIALS £138.46 pw En Suite: Hickling & Barton £148.82 pw Standard: Ziggurat £105.91 pw THE ESSENTIALS - All bills included - Fully furnished - Free high speed Internet - 38 week licence (longer for some courses) - Safe, Friendly and Fun En Suite: Campus £138.46 pw En Suite: Village £118.65 pw

WHAT’S NOT INCLUDED? DEPOSIT FOOD BEDDING* TV LICENCE POTS AND PANS* But you can buy these

Most students work while at University A LITTLE EXTRA Most students work while at University

HOW MUCH DO YOU HAVE? Student Loan Part time job Scholarship?

Budgeting NUS Extra 16-25 Travel card Unidays NUS Extra Cards – definitely worth it, if not now when you come to university. Discounts at shops, clothes shops, eating out, cinemas and loads of discounts on campus. Unidays – free online discounts. If it doesn’t offer discount through NUS Extra, than it probably will on unidays. Download the app for free. Even does discounts on phone bills and flights. 16-25 Travelcard – 1/3 of your rail travel. Around £30, but lots of opportunities to get it free, eg. with the Santander student account. Most students do lots of train travel when going to uni, visiting friends and family. Super helpful if living in London, as you can sync it with your Oyster card, giving you a 1/3 off Oyster travel. Unidays

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