1. 50 Park Place, Cathays Park Campus 2nd Floor, Cardigan House, Heath Park Campus Student Funding 2009-10

2. How will I fund my time at university?  Student Loan  Tuition Fee Loan  Grants  Additional Funding  Budgeting

3. Key Welsh students English students Scottish students Northern Irish EU Students

4. Variable Tuition Fees  Tuition Fee Loan available to all students to pay for fees  Paid directly to the University by Student Loans Company  Student repays after finishing their course

5. Variable Tuition Fees  Annual Flexible fee is £3,225  UNLESS you normally live in Wales/EU AND study in Wales –Tuition fee grant of £1,940 so max TF loan needed is £1,285

6. Student Loans Tuition Fee LoanMaintenance Loan (loans/grants for living costs only apply to EU students who have the required UK residency)  Does NOT depend on household income  Max £3,225  Has to be repaid  DOES depend on household income  Max £4,745 Wales £4,950 England  Has to be repaid

7. Student Grants Assembly Maintenance Grant  DOES depend on household income  Maximum £2,906  Does NOT have to be repaid  DOES depend on household income  Maximum £2,906  Does NOT have to be repaid Learning Grant

8. Living Costs 09-10 Household Income Assembly Learning Grant Maintenance loan* *For students living away from home Total each year £18,370£2,906£3,457£6,363 £25,000£1,775£3,457£5,232 £35,000£517£4,228£4,745 £39,329£50£4,695£4,745

9. Living Costs 09-10 Household Income Maintenance Grant Maintenance loan* *For students living away from home Total each year £25,000£2,906£3,497£6,403 £34,000£1,106£4,397£5,503 £40,000£711£4,595£5,306 £50,020£50£4,925£4,975

10. Additional funding from LEA Special Support Grant Childcare grant Parent’s Learning Allowance Adult Dependant’s Grant Disabled Student’s Allowance – PN1 form Means- tested Non means- tested

11. How do I repay my loans?  Tuition fee & Maintenance loan are repaid depending on your income  Start repaying once earning more than £15,000  Payments taken out of your wage by your employer Earnings per yearRepayment per month £18,000£22 £24,000£67

12. Repayment “Holiday”  Change for English students in 2008-09  Graduates have the choice of putting repayments on hold for up to 5 years  From April 2012

13. Applying for student funding 09-10  Form PN1  Download forms or apply online:  www.direct.gov.uk/studentfinance www.direct.gov.uk/studentfinance Apply Feb 2009 onwards www.studentfinancewales.co.uk Apply Feb 2009 onwards

14. Additional Funding from Cardiff University

15. Cardiff University Bursaries Based on household income * 08-09 figures Household incomeBursary each year* Under £25,000£1050 £25,001- £39,300£500 Over £39,301£0

16. Cardiff University Scholarships  £3,000 paid over length of degree  Based on academic merit  Check on web if department offers Scholarships  Automatically considered  Make Cardiff your firm choice (check web for cut off date when applying)

17. Additional help from Student Support  Financial Contingency Fund  Care Leavers  Emergency Loans  Educational grants and Trusts

18. Student Budget OUT GOING MONEYINCOMING MONEY Self catered halls£810Maint Loan£1,152 Food£450ALG£876 Toiletries/laundry£45Bursary£350 Books/copying£117 Travel (inc. travel home) £90 Telephone£79 Social/leisure£330 Clothes£75 TV License£35 Total£2,031Total£2,378 Average Termly incomings & outgoings for student in Halls Sept – June

19. How much will I have left per week? Incoming money Outgoing money £2378 per term £2031 per term Total left£347 per term £347 divided by 12 weeks = £29 spare P/W Minus Figures taken from a Welsh household with an annual household income of £20,000 Student funding figures from 2009/10

20. Useful web addresses www.studentfinanceengland.co.uk www.studentfinancewales.co.uk www.delni.gov.uk/studentfinance www.saas.gov.uk www.support4learning.org.uk

21. Contact us 50 Park Place, Cathays Park Campus 029 2087 4844 2 nd Floor, Cardigan House, Heath Park Campus 029 2074 2070 studentsupportcentre@cardiff.ac.uk counselling@cardiff.ac.uk disability@cardiff.ac.uk dyslexia@cardiff.ac.uk www.cardiff.ac.uk