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Living Cost Grants

Single students

Higher Education Maintenance Grant (HEMG)

Student with dependants / disability

Higher Educations Maintenance Grant (HEMG)

Special Support Grant (SSG)

Parents Learning Allowance (PLA)

Childcare Grant (CG)

Adult Dependants Grant (ADG)

Tax Credits (TC)

Disabled Students


Higher Education Maintenance Grant (HEMG)

These figures are for illustration purposes only, you should apply to your relevant assessment authority (e.g. SLC) for a full assessment.

Approx Household Residual Income

£

Parental Contribution


£

HEMG

(Not repayable)

£

Student (Living Cost) Maintenance Loan

(Repayable)
£

Total

£

Below £25,000

0

3,354

3,823

7,177

30,000

0

2,416

4,292

6,708

35,000

0

1,478

4,761

6,239

40,000

0

540

5,230

5,770

42,611

0

50

5,475

5,525

42,875

0

0

5500

5500

45,000

212

0

5,288

5,288

50,000

712

0

4,788

4,788

55,000

1,212

0

4,288

4,288

60,000

1,712

0

3,788

3,788

62,125

1,925

0

3,575 (+)

3,575

65,000

1,925

0

3,575

3,575

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.

 

Special Support Grant (SSG)

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.


Parents Learning Allowance (PLA)

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.


Childcare Grant (CG)

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:

  • the estimated childcare costs you gave in your application were highe rthan
    your actual costs; or

    you don’t confirm your actual childcare costs when we ask you to.

    If the actual childcare costs are less than you estimated, we‘ll reduce your next instalment of Childcare Grant.

    If you don’t confirm your childcare costs, your next instalment of Childcare Grant will be stopped and you will have to repay your last instalment.

You can't get Childcare Grant if you or your husband, wife or partner receives the chilcare part of Working Tax Credit.


Adult Dependants Grant (ADG)

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

  • your husband, wife or civil partner
  • a partner you live with as a couple, if you're over 25 (including a parter of the same sex if you began your course on or after 1 September 2005); or
  • another adcult who depends on you financially (usually a member of your family).

An adult dependant can't be:

  • a grown-up child; or
  • a partner or other adult who gets student financial support

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.

 


Tax Credits (TC)

There are two tax credits:

  • Child Tax Credit and
  • Working Tax Credit.

For more information telephone the HMRC helpline on 0845 300 3900


Child Tax Credit and Working Tax Credit do not affect Child Benefit payments, they are paid separately.

 

Child Tax Credit:

You could get Child Tax Credit for each child you're responsible for if they are:

  • under 16
  • under 20 and in approved education or training

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:

  • one child and a household income of up to about £26,000
  • two children and household income of up to about £32,200

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.

Elements

Yearly amount

For each child

Up to £2,720

For each disabled child

Up to £3,015

For each severely disabled child

Up to £1,220 (on top of the disabled child payment)

 

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.

 

Working hours

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 quialifying young person and you are not part of a couple, you can claim Working Tax Credit if you are both aged 16 or over and you work at least 16 hours a week.

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:

  • you work at least 24 hours a week between you, with one partner working at least 16 hours a week, or
  • one partner works at leat 16 hours a week and qualifies for the disability element of Working Tax Credit, or
  • one partner works at least 16 hours a week and is aged 60 or over, or
  • one parter works at least 16 hours a week and the other partner can't work because they are
    - incapacitated (getting certain benefits because of a disability or ill health)
    - in hospital, or
    - in prison either on remand or serving a custodial sentence

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:

  • aged 25 or over and work at least 30 hours a week
  • aged 16 or over, work at least 16 hours, a week and qualify for the disability element of Working Tax Credit, or
  • aged over 60 and work at least 16 hours a week

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:

  • £122.50 a week (70 per cent of £175) for families with one child, and
  • £210.00 a week (70 per cent of £300) for families with two or more children.

The amount you get will depend on your income and will be paid directly to the main carer along with the Child Tax Credit.


To claim the childcare element you must be 16 or over.


If you are a lone parent,
you must work 16 hours a week or more.


If you are in a couple,
both of you must work 16 hours a week or more.

Only one partner needs to work 16 hours a week or more if the other is

  • incapacitated
  • in hospital, or
  • in prison either on remand or serving a custodial sentence.

Example Entitlement tables for tax credits, please click here

 

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