1. This information is based on 2012/13 figures

2. You will have two main costs to meet when you go to university:  Your Tuition Fees (up to £9,000 per year depending on what course you chose to study and where you chose to do it)  Your Living Costs (i.e. rent, food, bills)

3. Funding from Student Finance England  Maintenance Grant- up to £3,250  Living Costs Loan- up to £5,300  Tuition Fee Loan- up to £9,000  Extra Grants available for students with children and disabled students. Funding from your University :  University Bursaries  National Scholarship Programme

4. Funding from the NHS  Tuition Fees paid directly to your institution.  Non Means Tested Bursary of £1,000.  Means Tested bursary up to £4,395.  Additional grants for students with dependents and disabled students. From Student Finance England  Student loan up to £2,324.

5. Maximum Maintenance Grant £ 3,250 Maximum Maintenance Loan (if £ 3,875 getting the Maintenance Grant) TOTAL STUDENT INCOME £ 7,125 divided by 44 weeks £ 162 per week This assumes you are receiving the maximum loans/grants available. If you are not receiving the full amount you or your parents are expected to meet the difference.

6. Non means Tested Bursary£1,000 Means Tested Bursary£4,395 Student Loan£2,324 TOTAL STUDENT INCOME£7,719 divided by 52 weeks£148 per week This assumes you are receiving the maximum loans/grants available. If you are not receiving the full amount you or your parents are expected to meet the difference.

7. The following is a sample budget. As you can see the figures are VERY conservative but still show you will have more money going out than coming in each week. Rent £ 70Books/Stationery £ 5 Food £ 25Clothing £ 10 Insurance £ 5TV Licence £ 2 Leisure £ 20Travel £ 5 Telephone £ 10Gas/Electricity/Water £ 15 Total Expenditure = £ 165 per week!!!

8.  In some cases student funding may not cover your full living expenses  Tuition Fee loan  Part time work  Most funding is paid termly

9.  Open a student bank account  Make one weekly cash withdrawal  Share costs with friends  Don't buy every book on the reading list  Take advantage of student offers - e.g. NUS Card

10.  Although some groups got into debt it is because we made you make extreme choices. In reality students do not make such extreme choices - they find a balance.  You are not alone - your University and/or Students Union will provide advice and support to students on funding, budgeting and any other issues.  If ends don't meet you may be able to apply for additional financial support - Access to Learning Funds.

11. £30 £142 £0 £40 £80 £120 £160 £200 £240 £21,000£25,000£30,000£40,000 Monthly Repayment £217 £50,000 £67 Yearly income

12. Both government-commissioned and external studies have consistently found that, over his or her working life, the average graduate will earn comfortably over £100,000 more in today's valuation, net of tax, than a similar individual who achieved university entrance qualifications but did not go into HE. Graduate Market Report 2010 - Average Graduate Salaries

13. The Office of National Statistics have found that degree holders earned an average of £12,000 a year more than non-graduates over the past decade.

14. Student Finance England  Tel: 0845 800 5090  Website: www.direct.gov.uk/studentfinancewww.direct.gov.uk/studentfinance http://bursarymap.direct.gov.uk www.studentfinanceengland.co.uk NHS Student Grants Unit  Tel: 0845 3586655  Website: www.nhsbsa.nhs.uk/816.aspxwww.nhsbsa.nhs.uk/816.aspx