Continuing Full-time Undergraduate and 2+2 Students (2016

Source: https://warwick.ac.uk/services/wss/funding/fundingyourstudies/continuingft/ Parent: https://warwick.ac.uk/services/wss/funding/fundingyourstudies/

Funding Information

• Tuition Fees
• UK Government Student Loans
• Tuition Fee Loan
• Maintenance Loan
• Maintenance Loan Entitlement
• Applying to Student Finance England (SFE) for the Tuition Fee and Maintenance Loans
• Repaying the Tuition Fee and Maintenance Loans
• Disabled Students' Allowance
• Dependants' Grants
• Bursaries and Scholarships
• Budgeting and Money Saving Tips

Tuition Fees

Tuition Fees for full-time undergraduates (excluding the 2+2 course) in 2025-26 are £9,535. The University may increase fees in line with any inflationary uplift as decided by the UK Government in subsequent years of your course. It is expected that such increases will be linked to the Retail Price Index (RPI excluding mortgage interest payments).

The tuition fees you will be charged may be different if you are undertaking a Study Abroad opportunity. Please visit our Study Abroadwebpage for further information.

Eligible students can receive a Tuition Fee Loan to cover the cost of the fees in full. It is not mandatory to take out a Tuition Fee Loan. If you do not want to take out a Tuition Fee Loan and want to pay for your Tuition Fees yourself, please see the following relevant webpages from the University's Student Finance Team:

• Types of Fee
• Tuition Fees
• Making Payments

UK Government Student Loans

You may be eligible for student loans from the UK Government (Tuition Fee Loan and Maintenance Loan). Eligibility for student loans depends on specific criteria, including your nationality and residency status. You can view the full criteria at Student Finance for Undergraduates - Eligibility.

Tuition Fee Loan

• A non-means-tested Tuition Fee Loan is available from Student Finance England (SFE).
• Eligible students will be able to apply for and take out the full amount of Tuition Fee Loan required to pay their Tuition Fees in full regardless of their household income.
• The Tuition Fee Loan is paid directly to the University to cover the cost of your fees in termly instalments.
• As it is a loan, you will need to repay it.
• You need to apply for this for every year of study.

Maintenance Loans

• Eligible students can apply to SFE for a Maintenance Loan towards their living and course costs.
• The Maintenance Loan is means-tested, so the amount you receive is partially based on your household income and whether you choose to live in or away from your parental home.
• The Maintenance Loan is paid in equal termly instalments.
• As it is a loan, you will need to repay it.
• You need to apply for this for every year of study.

Maintenance Loan Entitlement

Eligible students can apply to Student Finance England (SFE) for a partially means-tested Maintenance Loan to contribute towards their living and course costs.

For the 2025-26 academic year, household income will be taken from the 2023-24 tax year and will depend on the people you live with: your parent(s)/carer(s), your parent/carer and their partner or your partner.

• In certain circumstances, your assessment might be based on your own income, for example, if you are aged over 25 at the start of your course.
• If you are estranged from your family, you can apply to be assessed as an independent student. You can find out more information on the government's Applying for Student Finance as an Estranged Student web page.
• For more information on taxable income, check out the GOV.UK webpage, Income Tax - Introduction.
• You can get an estimate of how much Maintenance Loan you may be eligible for by using the Student Finance England Calculator.

The table below demonstrates the annual maintenance loan rates for the 2025-26 academic year based on household income.. The annual entitlement of the maintenance loan is paid directly to students in equal termly instalments.

Please see our separate webpage, Students Eligible for Benefits or Aged 60 or Over if you will be aged 60 or over on the first day of the first year of your course or if you receive government benefits, for the funding information relevant to you.

If there has been a drop in your household income of 15% or more since the previous tax year, you should notify Student Finance England as you may be entitled to an increased maintenance loan. For more information, see the following webpage: Support your Child or Partner's Student Finance Application - If your income has gone down.

The amount of maintenance loan you are eligible for may differ if you are undertaking a Study Abroad opportunity. Please visit our Study Abroadwebpage for further information.

The maximum maintenance loan amount available to final-year students is reduced to account for the fact that you will not be registered as a student over the summer period. This means that you may receive less maintenance loan in your final year compared to your previous years of study.

Applying to Student Finance England (SFE) for the Tuition Fee and Maintenance Loans

Applications for student loans are made online, see the Student Finance England - How to Apply webpage for more information. Even though the application deadline to secure funding for the start of term has passedfor the 2025-26 academic year, students can still make late applications now. If you have not already applied for your 2025-26 funding, you should apply as soon as possible. The application takes about 30-45 minutes and you apply for both the Tuition Fee and Maintenance Loan in one application. You will need to apply for each year that you require a Tuition Fee Loan and/or a Maintenance Loan.

Repaying the Tuition Fee and Maintenance Loan

• Repayments will begin in April after you have completed or left your course.
• The income threshold at which your repayments will start depends on which student loan plan you are on. To check which plan you are on, see the gov.uk webpage Repaying Your Student Loan - Which repayment plan you're on. To check what your income threshold is, check out the gov.uk webpage Repaying Your Student Loan - When you start repaying.
• You will repay 9p for every £1 you earn over your income threshold.
• Repayments are deducted automatically through the tax system. If you are self-employed or working overseas when your repayments are due to start, you will need to arrange separate repayment arrangements with Student Finance England.
• If your income falls below your income threshold, repayments will stop automatically and not restart until you are earning over your threshold again. If you are self-employed or working overseas while making repayments and your income falls below your threshold, you will need to contact Student Finance England directly.
• There are no early repayment penalties, and you can choose to make voluntary repayments to your loan at any time.
• The student loan plan that you are on will dictate when (i.e. 30 or 40 years) any outstanding loan (including interest) is written off. This is also written off if you become permanently unfit for work or die. To find out more, see the gov.uk webpage, Repaying Your Student Loan - When your student loan gets written off or cancelled.
• Interest is applied as soon as you (or the university) receive your first loan payment(s). The amount of interest you will be charged will also depend on which student loan plan you are on. To find out how much interest you will be charged, check out the gov.uk webpage, Repaying Your Student Loan - How much you repay.

For more information about student loan repayments, please see the gov.uk webpage, Repaying Your Student Loan.

Disabled Students' Allowance (DSA)

If you have a disability, long-term health condition, mental health condition or specific learning difficulty, there is additional non-repayable support available.

• DSA is a non-repayable grant offered by SFE.
• DSA is intended to help with any disability-related costs you might have.
• Any support you receive will be based on your individual needs, not your household income.
• Full-time undergraduates can apply for DSA through the same online application form used for their Tuition Fee and Maintenance Loans.
• Make sure you apply early for DSA as applications can take up to 14 weeks, as you will need to complete a Study Needs Assessment.
• For more information on the support provided, the evidence required, and how to apply, check out SFE's Disabled Students' Allowance webpage and/or the University's Disability Team's Applying for DSA webpage. Within the University's Disability webpage, you will also find a DSA Eligibility Checker tool, which you can use to see whether you may be eligible for DSA.

Dependants' Grants

If you are financially responsible for a child or adult, you may be eligible for a non-repayable grant from Student Finance England. There are three grants available:

• Childcare Grant (CCG)
• Parents' Learning Allowance (PLA)
• Adult Dependants' Grant (ADG)

You can apply for these grants in the same online application as your Tuition Fee and Maintenance Loan. If you have already submitted your loan application and want to subsequently apply for a Dependants' Grant, please see the Student Finance Application for Depedants Grants webpage. For more information, please see our Dependents' Grants webpage.

Bursaries and Scholarships

Bursaries and Scholarships can be a great way to top up your income at University. The University of Warwick offers Bursaries and Scholarships to students for a variety of reasons. Most Bursaries and Scholarships are secured before the start of your course (excluding the Warwick and Additional Bursary). For more information, please see our Bursaries and Scholarships webpage.

Budgeting and Money Saving Tips

If you want to learn more about managing, making, and saving money, check out our Money Matters sub-section.