RUK (Welsh, English and Northern Irish) Grants and Loans

These are loans and grants to support living costs of students from England, Wales or Northern Ireland.

RUK (Welsh, English and Northern Irish) Grants and Loans

These are loans and grants to support living costs of students from England, Wales or Northern Ireland. They are in addition to any tuition fee loan you may have received.

Overview

What you can apply for is dependent on whether you reside in England, Wales or Northern Ireland. It's worth noting you may also be entitled to the RUK bursary worth £1,750 per year (eligibility for this bursary is determined by an assessment of household income).

English students

If you're an English student you can apply for a maintenance loan (which will have to be paid back when you begin earning over £21,000 per year).

This is a supplement to your tuition fee loan (which is offered by Student Finance England to cover your tuition fee costs) and is offered as a means to cover your living costs.

The rates for the the 17/18 academic year for the maintenance loan are:

Full-time student Maintenance Loan (per year)
Living at home Up to £7,097
Living away from home, outside London Up to £8,430
Living away from home, in London Up to £11,002
You spend a year of a UK course studying abroad Up to £9,654

The simplest approach to identifying what you're entitled to apply for is to use the student finance calculator on Gov.uk.

Welsh students

If you're a Welsh student you can apply for a maintenance loan (which will have to be paid back when you begin earning over £21,000 pear year). The rates for 16/17 and 17/18 are:

Your living arrangements during term-time Loans available for 2017/18 Loans available for 2016/17
Living at the parental home £5,358 £4,786
Living away from home and studying at a university or college outside London £6,922 £6,183
Living away from home and studying at a university or college in London £9,697 £8,662
Studying overseas £8,253 £7,372

You can view more information about repayment on the Student Loans Company website.

As a Welsh student, and if your household income is below £50,020, you can also apply for a Welsh Government Learning Grant. Providing you complete your course and there's no change to your household circumstances, this grant doesn't need to be paid back.

Household income Welsh Government Learning Grant available for 2016/17 and 2017/18
£18,370 £5,161
£20,000 £4,715
£25,000 £3,347
£26,500 £2,936
£26,500 £2,936
£30,000 £2,099
£34,000 £1,142
£40,000 £734
£45,000 £393
£50,020 £50
£50,753 £0

You may also be entitled to apply for a Special Support Grant. Unlike the Welsh Government Learning Grant, the Special Support Grant will not affect your entitlement to a Maintenance Loan (whereas the Welsh Government Learning Grant will).

For more information about eligibility for the Special Support Grant, as well as the Welsh Government Learning Grant and Maintenance Loan, please visit this page on Student Finance Wales.

Northern Irish students

If you're a Northern Irish student you can apply for a maintenance loan (which will have to be paid back when you begin earning over £17,495 per year). The rates for 17/18 are:

It's important to remember the amount you draw from a Maintenance Loan will affect your entitlement to a Maintenance Grant, but not a Student Support Grant.

If your household income is £41,065 or less, you may also be entitled to receive a Maintenance Grant.

Total annual household income Maintenance or student support grant available
£19,203 or less Full grant, £3,475
Between £19,204 and £41,065 Partial grant
Over £41,065 No grant

The thresholds for the Student Support Grant and the Maintenance Grant are the same.

Eligibility 

Please see the overview above for basic eligibility information.

For eligibility relating to other funding you may be entitled to apply for, please visit the following links:

English students

You can read more about eligibility for the Maintenance Loan on Gov.uk.

Please visit the 'extra help' page on Gov.uk for more information on eligibility for extra funds and support.

Welsh students

You can read more about eligibility for the Maintenance Loan, the Welsh Government Learning Grant or the Student Support Grant on Student Finance Wales.

You can view more information on your eligibility for additional grants or loans on the 'help with living costs' page on Student Finance Wales(click the right-hand side navigation bar). The grants available include a Childcare Grant, Adult Dependants' Grant and Disabled Students' Allowances.

Northern Irish students

You can read more about eligibility for the Maintenance Loan, the Maintenance Grant or the Student Support Grant on Student Finance Northern Ireland.

How to Apply 

English students

If you wish to submit an application for a Tuition Fee Loan or Maintenance Loan please visit Student Finance England.

Welsh students

If you wish to submit an application for a Tuition Fee Loan, Maintenance Loan, Student Support Grant or Welsh Government Grant please visit this page on Student Finance Wales.

Northern Irish students

If you wish to submit an application for a Tuition Fee Loan, Maintenance Loan, Maintenance Grant or Student Support Grant, please visit Student Finance Northern Ireland.

Terms & Conditions 

All Scholarships are subject to Terms & Conditions

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