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UK Students - Government Undergraduate Funding
Living Cost Grants
Student with dependants / disability
These figures are for illustration purposes only, you should apply to your relevant assessment authority (e.g. SLC) for a full assessment.
The maximum amount of maintenance grant is £3,354. Students will qualify for this if household income is £25,000 or less. For every £5.33 over £25,000 students will lose £1 of grant. For an income of £42,600 and student will qualify for a minimum grant of £50 If the household income exceeds £42,611 then the student will not qualify for grant.
For those students with a household income of £42,611 or less will have the living cost loan reduced by £0.50p for every £1 of maintenance grant awarded. Students with household income between £42,611 and £42,875 will qualify for the maximum amount of loan for living costs. If household income is above £42,875 students will lose £1 for every £10 of income above this figure up to the point it reaches 65% of the maximum loan.
Any HEMG awarded to a student in receipt of state benefits will be termed 'Special Support Grant (SSG) and will not be counted as income for benefit purposes. Students receiving the SSG will not lose any student loan borrowing entitlement.
The award is paid in three instalments by the SLC, with your loan. It is non-repayable.
This award is a means tested grant for full time students with dependant children who receive the childcare grant or who have a low income
The maximum amount of Parents Learning Allowance payable in 2013/14 will be £1,508 and the minimum £50.
It is usually paid in three isntalments, one at the start of each term, direct to your bank account. The Parents Learning Allowance is usually paid with any living cost loan and living cost grant to which are are entitled, however you apply after you start your course, you may get a separate payment.
The grant is not normally repayable unless you're overpaid due to a change in your circumstances. You need to inform Student Finance early if your cicumstances do change.
For full-time students with dependent children in registered or approved childcare.
How much help you get is based on your actual childcare costs and will depend on your income and that of your dependants. This funding will not be counted as income by the Department for Work and Pensions for students who are eligible for state benefits.
The amount of childcare grant payable will be based on 85% of actual childcare costs, subject to a maximum grant of £148.75 per week for one child only or £255 per week for two or more children. If you don't provide deails of your childcare provider on you CCG1 application form, your first instalment of Childcare Grant will be capped at £115 a week or 85% of your estimate (whichever is less).
It is usually paid in three isntalments, one at the start of each term, direct to your bank account. The Childcare Grant is usually paid with any living cost loan and living cost grant to which are are entitled. Please note that if you apply for the Childcare Grant after you have started your course, you may get a separate payment.
The Childcare grant which you don't have to pay back unless:
You can't get Childcare Grant if you or your husband, wife or partner receives the chilcare part of Working Tax Credit.
If you have a husband , wife, or civil partner who depends on you financially, you may be eligible.
How much you get depends on your income and that of your adult dependant. Where applicable, the maximum grant in 2013/14 in respect of a partner will be £2,642 a year.
An adult dependant could be
An adult dependant can't be:
It is usually paid in three isntalments, one at the start of each term, direct to your bank account. ADG is usually paid with any living cost loan and living cost grant to which are are entitled. Please note that if you apply for the ADG after you have started your course, you may get a separate payment.
You do normally have to pay back the ADG unless you’re overpaid due to a change in your circumstances. So it’s important to let us know if your circumstances change.
There are two tax credits:
For more information telephone the HMRC helpline on 0845 300 3900
Child Tax Credit:
You could get Child Tax Credit for each child you're responsible for if they are:
You do not need to be working in order to claim Child Tax Credit
The amount you get is based on your income. As a rough guide, you may get an award of Child Tax Credits if you have:
It's important to know that these figures are a guide only. Depending on your circumstances you may still qualify if your household income is higher. For example if you are claiming for more than two children or have a child with a disability.
The basic amount is up to £545 a year.
Working Tax Credit:
Working Tax Credit is for working people on a low income and is based on the hours you work and get paid for, or expect to get paid for. You can claim whether you're an employee or a self-employed person. Unpaid work doesn't count for Working Tax Credit. You may also be able to get help with childcare costs.
Undergraduate students are normally better off claiming the child care grant through SFE/SFNI/SFW/SAAS rather than the child care element of Working Tax Credit, however please check this with the relevant assessing authorities.
You usually need to be working a minimum number of hours a week to claim Working Tax Credit.
If you are responsible for a child or qualitfying young person and you are part of a couple, you can claim Working Tax Credit if you are both aged 16 or over and:
If you are not responsible for a child or qualifying young person you can claim Working Tax Credit if you or your partner (if you have one) are:
If you are part of a couple with children you are eligible for the 30 hour element if you jointly work at least 30 hours a week, provided one of you works at least 16 hours. Couples without children cannot add their hours together to qualify for the 30 hour element.
You may be able to get more Working Tax Credit to help with the cost of registered or approved childcare. This is the childcare element of Working Tax Credit. The childcare element can help with up to 70 per cent of your childcare costs up to a maximum cost of £175 a week for one child and £300 a week for two or more children. This means that the childcare element is worth up to:
The amount you get will depend on your income and will be paid directly to the main carer along with the Child Tax Credit.
Example Entitlement tables for tax credits, please click here