1. Student Funding 2012/13 entrants

2. How can I afford to go to university? Tuition Fee Loan Grants Student Loan Repayments Financial Capability

3. Tuition Fees 2012/13 National Assembly for Wales Recommends: Basic tuition fees of £4,000 p.a. in Wales UK Government recommends: Basic tuition fees of £6,000 p.a. in England Maximum tuition fees that can be charged is £9,000p.a

4. How will I pay my tuition fees? Tuition fee loans are available to all eligible students Covers whole of the tuition fee Paid directly to the university Students repays after they have graduated

5. The New Tuition Fee Grant Welsh domicile Liable for the first £3,465 Fees over £3,465 will be covered by the Welsh Assembly Government Can study anywhere in the UK Not means tested Not repayable

6. Grants for living costs Welsh domicile students Household incomeGrants £18,370 or lessMaximum = £5,000 £50,020 or moreMinimum = No grant English domicile students Household incomeGrants £25,000 or lessMaximum = £3,250 £42,600 or moreMinimum = No grant Grant paid in 3 instalments

7. Maintenance Loan Maximum loan available for Welsh domicile students - £4,745 (Living away from home rate) Maximum Loan available for English domicile students - £5,500 (Living away from home rate) The amount of loan you receive will be dependant on the level of grant you receive Loan paid in 3 instalments

8. How to apply for funding English domicile Welsh domicile PN1 Form Download form or apply on line www.direct.gov.uk/studentfinancewww.studentfinancewales.co.uk Applications usually available mid March Applications usually available mid February

9. Repaying your student Loan Tuition fee & maintenance loan repaid together Repayments are income contingent Interest is linked to inflation plus 3% Loan written off after 30 years (Wales - £1500 written off maintenance loan debt at repayment) Examples of repayment amounts IncomeMinimum monthly repayments Up to £21,000Nil £25,000£30.00 £30,000£67.50 £35,000£105.00 £40,000£142.50

10. Additional funding Non Income assessed - Disabled Students’ Allowances to help with extra costs of studying related to disability or dyslexia Income assessed - Allowances if you have children Child Care Allowance Adult Dependants Grant Awards are in a form of a grant & do not have to be re-paid

11. Useful web addresses www.direct.gov.uk/studentfinance www.studentfinancewales.co.uk www.delni.gov.uk/studentfinance www.saas.gov.uk Check for updates on student funding and apply online

12. Financial Capability Money Doctors “ The Money Doctor’s initiative at Cardiff University is part of a national project aiming to improve students' financial capability, led by the Consumer Financial Education Body”

13. Money Doctor’s Initiatives Cardiff University Student Support iApp Budgeting Sessions Taste Test Basket Challenge Energy Efficiency Recycle Christmas Swap shop

14. Where will my money go? £5 Hall–SC en-suite £75 Food £30 Toiletries/laundry £6 Books/course £10 Travel (inc. travel home) £8 Phone, T.V, Insurance £10 Social/leisure £28 Clothes £10 Total £177 p/w £182 Weekly amount of Loan and Grant for Living Costs Total left over per week:

15. Maximising your income Part time work Choosing the right bank account Rail cards BOGOF offers Student discount in shops, cinemas & pubs Buy Second hand books

16. Keep up dated www.cf.ac.uk Current students ↓ Student support

17. 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 www.cardiff.ac.uk/studentsupport