1. Parents’ Higher Education Evening
Sophie Craven
Schools and Colleges Liaison Officer

2. Application process

4. Use UCAS Track to monitor your offers and interview invitations.
After submission…
Universities will look at applications and decide whether to make an offer of a place on their course.
Use UCAS Track to monitor your offers and interview invitations.
Once you have received offers or rejections from all your choices, select your firm and insurance choice.
If all your choices are rejected, you can enter UCAS Extra and apply for additional places (1 course at a time).

5. Understanding your offers
Conditional
Unconditional
You are guaranteed a place on the course if you meet certain criteria, such as the minimum entry grades at A-Level or BTEC, or an additional qualification (e.g. a musical instrument grade).
You will receive confirmation of your place on the course on achieving the requirements of the offer, e.g. A-Level results day.
You are guaranteed a place on the course based on qualifications and experience you already have.
Some universities will offer unconditional places if they have seen you at interview or audition, others will make unconditionals without meeting you – on the condition that you make them your ‘firm’ choice. Ensure you make your decision based on the course and university that is right for you.

6. UCAS Extra (February – July)
You are eligible if:
You are not holding any offers.
You have already made 5 choices.
You have received decisions from all these choices and either had no offers, or declined the offers you have received.

7. Finance: What support is available?1
Tuition fee
loan 3
Additional
support 2
Maintenance
loan

8. Students do not have to pay this up front.
Tuition fees
Public universities can charge up to £9,250 per year in tuition fees (UOH £9,250/Placement year currently £900)
Students do not have to pay this up front.
A tuition fee loan is available to cover the fee charged by a university or college.

9. Tuition fee loans
These don’t depend on your household income or circumstances – you’ll get whatever the university charges for tuition fees (up to £9,250).
Your tuition fee loan will be paid directly to your university at the start of the academic year.
Your tuition fee loan is repayable, but only after you’ve graduated and are earning over £25,000 per year.

10. Maintenance loans Accommodation Food and drink Transport Entertainment
A loan paid directly to the student in 3 instalments across the year, to help with living costs while at university.
Accommodation
Food and drink
Transport
Entertainment
Bills
Mobile phone

11. Maintenance loans
All eligible students can get some support towards living costs and this is paid into your bank account each term.
The amount of maintenance loan you can get depends on where you live and study, as well as your household income.
Maintenance loans have to be paid back but not until you’ve left university and your income is over £25,000 a year.

12. Maintenance Loans 2020/21 Household Income Home Elsewhere London
£25,000 & under
£7,529
£8,944
£11,672
£30,000
£6,895
£8,303
£11,020
£35,000
£6,260
£7,661
£10,367
£40,000
£5,626
£7,019
£9,714
£45,000
£4,991
£6,377
£9,062
£50,000
£4,357
£5,735
£8,409
£55,000
£3,722
£5,093
£7,756
£60,000
£3,314
£4,452
£7,103
£65,000
£4,168
£6,451
£70,000
£5,812

13. Extra support
Bursaries
Additional financial support from your university, based on your household income and other circumstances.
Scholarships
University grants based on academic performance.
Disability Support
Disabled Students Allowance

14. Additional sources of income
Part-time jobs
Summer/gap year work
Parental support

15. Degree apprenticeships
Job + degree
Pros: fees paid, good career prospects
Cons: competitive, limited availability
Excellent opportunity but not suited to everyone

16. How do you get it?
Apply online at gov.uk/student-finance between February and May – don’t miss the deadline (end of May)!
You don’t need a confirmed place at university to apply for student finance – simply state your preferred course choice. You can change this later.

17. Income each year before tax Monthly repayment (Approx)
When and how to repay
You’ll repay 9% of your income over £25,000 and if you’re employed deductions will be made from your pay through the HMRC tax system.
Income each year before tax
% will be deducted from
Monthly repayment (Approx)
£25,000 £0
£30,000
£5,000
£37.50
£35,000
£10,000
£75
£40,000
£15,000
£112.50
£50,000
£187.50
On 15 August 2017, The Department for Education (DfE) confirmed changes to the interest rates & thresholds of Income Contingent Loans
Pre-2012 (Plan 1) loans – From 1 September 2017 until 31 August 2018, the maximum interest rate set for the existing Income Contingent Repayment Loans will be 3.1%. However, the low interest cap will be triggered, and therefore the rate to be charged from 1 September 2017 will be 1.25%.
Please monitor this website regularly as the rates may change during the academic year.
The repayment threshold for pre-2012 (plan 1) loans will rise to £18,330.
Post-2012 (Plan 2) loans – From 1 September 2017 until 31 August 2018, one or more interest rates may apply. The RPI figure has been confirmed at 3.1%, meaning interest charges between 3.1% minimum and 6.1% maximum dependent on student circumstances.
More information can be found at
The repayment threshold for post-2012 (plan 2) loans continues to be £21,000.
Interest is applied to your loan and is linked to inflation. More info can be found at i

18. When and how to repay +£25k
Monthly repayments begin the April after graduation but will not start until your income exceeds £25,000.
+£25k
Your monthly repayments will be based on your earnings, not on your loan amount.
If your income falls to £25,000 or below your repayments will stop. Any outstanding loan balance will be written off 30 years after entering repayment.

19. Food, drink and essentials Text books and course materials
Typical student expenditure
Accommodation
Food, drink and essentials
Entertainment
Text books and course materials
Expect to pay £80-£120 per week for student accommodation (inc. bills).
Expect to pay £25-£50 a week on your shopping.
Travel
Discounts are available on bus and rail travel.
Buy an NUS Extra card (£12 per year) for savings on shopping, restaurants, cinema etc.
Text books can be expensive (e.g. £30 each), but you can borrow books from the library or pick up discounted and second-hand books on campus.

20. Tips for parents
Talk to your son/daughter about budgeting/prioritising
Teach them to cook/buy them a basic cook book & provide kitchen essentials
Make sure they are insured (check home insurance)
Help financially with books, food shopping, field trips, rail card, NUS Extra Card (TOTUM), loyalty points
Help them find a suitable student bank account
Encourage/help them to find part time work
Don’t bail them out at the first sign of trouble
Travel

21. Starting university Kitchen equipment Bedroom furnishings
Cards: NUS, Bank, Rail
Food/toiletries
Study equipment
Key documents
Fresher's week
Enrollment
Keeping in touch

22. Thank you for listening

23. Open Days 2019
Saturday 29 June Saturday 28 September Saturday 19 October Wednesday 6 November Friday 29 November 9.30am – 3.00pm