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UK Students - Government Undergraduate Funding

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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

3,387

3,862

7,177

30,000

0

2,441

4,335

6,708

35,000

0

1,494

4,808

6,239

40,000

0

547

5,282

5,770

42,611

0

50

5,530

5,525

42,875

0

0

5555

5500

45,000

214

0

5,341

5,288

50,000

719

0

4,836

4,788

55,000

1,224

0

4,331

4,288

60,000

1,729

0

3,826

3,788

62,125

1,945

0

3,610 (+)

3,575

65,000

1,945

0

3,610

3,575

The maximum amount of maintenance grant is £3,387. Students will qualify for this if household income is £25,000 or less. Students lose £1 of grant for every complete £5.28 of household income above £25,000, up to a household income of £42,620 where the student qualifies for a minimum grant of £50. Where household income exceeds £42,620, no grant is payable.

 

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 2014/15 will be £1,523 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 £150.23 per week for one child only or £257.55 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 2014/15 in respect of a partner will be £2,668 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.

 

Further information on Child Tax Credit click here

further information on Working Tax Credit click here

 

 

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