Living Cost Loans & Grants

Living Cost Loans

Students from England can apply for a living cost loan to help pay for living expenses.

Living cost loans

The amount you can borrow depends on where you live and study, and your household income. If you have any previous higher education study it also affects your entitlement.

For information on the support available to those students eligible for/in receipt of benefits please contact Student Finance England.

Students starting in September 2018:

Non-final year rates:

  • living away from home (outside London): up to £8,700 a year
  • living at home: up to £7,324 a year

The living cost loan comes from the government, via The Student Loans Company. Loans are paid in three instalments, one at the start of each term.

In your final year you will find that your entitlement is reduced.

Final year rates:

  • living away from home (outside London): up to £8,228 a year
  • living at home: up to £6,892 a year

If you're a student from Scotland, Wales or Northern Ireland you can find information on living cost loans from your student finance body.

Extra government financial support

Students with adult and/or child dependants or who have a disability may be entitled to extra help in addition to any grants and scholarships available. You do not usually have to pay this money back.