Maintenance loan
Full-time students may be entitled to a Maintenance Loan of up to ยฃ10,227 (for 2024/25) and ยฃ10,544 (for 2025/26) towards living costs such as food, accommodation and travel. You can get an estimate of how much funding you could get using SFEโs Student Finance Calculator.
Furtherโฏfinancial help for parents in higher educationโฏmay also be available through the Childcare Grant and Parents' Learning Allowance.
Eligibility criteria
Full-time Home undergraduate students are eligible to apply for a Maintenance Loan to help fund their living costs.
EU applicants might be eligible for help with living costs depending on their nationality, residency status and address history.
More information on eligibility for applying for student finance can be found on the on theโฏSFE website.
How do I apply for my loan?
To apply for the Maintenance Loan you need to create an online account withโฏStudent Finance Englandโฏand complete the application form on their website.
When to apply?
You will need to check on theโฏStudent Loan Companyโฏand theโฏUniversity and Higher Educationโฏwebsites when to apply for your Maintenance Loan and for any dates that may affect your student loan application.
How much will I get?
Full-time students may be entitled to a Maintenance Loan of up to ยฃ10,227 (2024/25) - you can get an estimate of how much funding you could get using SFEโs Student Finance Calculator.
How is the student loan paid out?
You will receive a confirmation from the Student Loans Company along with a payment schedule. The loan will be paid in three instalments transferred directly into your bank or building society account starting at the beginning of term.
Repaying your student loan
One thing to remember is that you will not have to pay anything while you are studying. Tuition Fee Loan and Maintenance Loan repayments only start once your annual income is more thanโฏยฃ25,000 a year. All outstanding repayments will be written off afterโฏ40โฏyears.
You repay 9% of everything earned above the threshold.โฏ
Plan 5 repayments:
Salary |
What you'll repay each month |
---|---|
ยฃ25,000 |
ยฃ0 |
ยฃ27,000 |
ยฃ15 |
ยฃ29,000 |
ยฃ30 |
ยฃ31,000 |
ยฃ45 |
ยฃ33,000 |
ยฃ60 |
ยฃ35,000 |
ยฃ75 |
For further information on the income thresholds and interests charged please visit the Student Loans Company website.
Further advice and support

Student Finance Office
For further information, advice or guidance, please contact the Student Finance Office.

Cost of living
Huddersfield is a budget friendly option for being a student. Not only is it one of friendliest towns, it also offers a low cost of living, including being the second cheapest in the UK for student rent.

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