University of Bradford. Student Finance 2017/18 Becky Pearson

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1 University of Bradford Student Finance 2017/18 Becky Pearson

2 University Finance: The Main Points Changes for 2017/18 Tuition Fees and Tuition Fee Loans Living Cost (Maintenance) Loans Applying for Financial Support University Financial Support Repayments Key facts Useful Information and Contacts Sarah Verbickas 2

3 Changes for 2017/18 From September 2017 nursing students and other students who used to have their fees paid by the NHS, will come under the same funding arrangements as all other students. Loans of up to 10,000 to study a postgraduate Master s course something for the future. Some Universities will be allowed to make inflationary increases to tuition fees each year. Sarah Verbickas 3

4 You do not have to pay tuition fees upfront if you are going to university for the first time. From 2017 some Universities will be able to charge 9,250 for a standard degree programme, foundation years may be less and placements years will be lower still. Fees may increase by inflation each year. Sarah Verbickas 4

5 Tuition Fee Loans The amount of tuition fee loan is matched to the course fee You can take out a full or partial loan The loan is paid directly to your University in 3 instalments Pay it back when you finish your course and are earning over 21,000 more about repayment later Sarah Verbickas 5

6 Living Cost (Maintenance) Loans Support is now provided through a loan there are no maintenance grants To help with living and learning costs Paid directly into the student s bank account each term 3 instalments Amount depends on family income (means-tested) Sarah Verbickas 6

7 Living Cost Loans 2017/18 Figures Where Will You Be Living? Maximum Loan London 11,002 Elsewhere (Living away from home but not in London) 8,430 Home 7,097 Sarah Verbickas 7

8 Living Cost (Maintenance) Loans Maximum Loans for family incomes of under 25,000 More money for students than when grants were available Students who qualify for benefits get a higher rate of loan Supplementary grants are still available Childcare Grant, Parents Learning Allowance, Adult Dependants Grant and Disabled Students Allowances. Student Finance will calculate your entitlement. Sarah Verbickas 8

9 Living Costs Total Support for 2017/18 Household Income Living Cost Loan living away from home Living Cost Loan living at home 25,000 or less 8,430 7,097 30,000 7,825 6,499 35,000 7,220 5,901 40,000 6,615 5,303 42,875 6,266 4,959 45,000 6,009 4,705 50,000 5,404 4,107 55,000 4,799 3,509 60,000 4,193 3,124 (lowest) 65,000 3,928 (lowest) 3,124 Sarah Verbickas 9

10 Applying for Financial Support Apply for student finance online: Applications usually open in January Supply your parent(s )/partner s income details you may get more support if you submit household income information Make sure you give consent for your information to be shared with the University so you can be assessed for scholarships and bursaries if available Sarah Verbickas 10

11 University Financial Support Most Universities will offer their own scholarships and bursaries visit their website to see what is available Scholarships are usually linked to academic achievement; bursaries are related to family income Hardship funds will also be available if you experience financial difficulties whilst you are studying you can also access budgeting advice and other forms of support Sarah Verbickas 11

12 University of Bradford Scholarships Academic scholarships for AAA and AAB grades or equivalent and higher (as listed on our website) for UK and EU students All students will be assessed automatically you do not need to apply AAA is worth 1,500 in year 1 ( 1,000 cash and 500 Blackwell s card) and 1,000 cash in subsequent years provided you progress with an average of 60%. AAB is worth 1,000 in year 1 ( 500 cash and 500 Blackwell s card) and 500 cash in subsequent years provided you progress with an average of 60%. Sarah Verbickas 12

13 The University of Bradford Bursary Income related bursary scheme for 2017/ in year 1, 600 in year 2 and 700 in year 3 and subsequent years for all Home and EU students whose family income is less than 30,000 Must be engaging with the course Can have this and the Academic scholarship. Additional support and grants for Care Leavers Sarah Verbickas 13

14 Repayments Repayments begin after you have finished/left your course, and are earning over 21,000 per year Repayments are automatically deducted from your earnings like tax The repayment rate is 9% of any earnings over 21,000 The more you earn, the more you repay After 30 years you won t need to make any further repayments Sarah Verbickas 14

15 Repayments Salary Approximate monthly repayment 15, , , , , , , , , Sarah Verbickas 15

16 Interest on Loans Interest starts to accrue on the loans whilst you are studying (RPI plus 3%) From the April after you ve finished your course you ll be charged: The rate of inflation plus up to 3% if you earn between 21,000-41,000 The rate of inflation plus 3% if you earn over 41,000 Sarah Verbickas 16

17 Student Finance - Key Facts Most students will never repay what they owe Monthly repayments are the same no matter what fee the university charges Student loan debt does not impact on your credit rating There is interest charged on student loans but it is much lower than rates charged on commercial loans Sarah Verbickas 17

18 Student Finance Quiz What amount of money must you be earning over (per year) to start paying money back on your loan? A. 22,000 Question 1 B. 25,000 C. 18,000 D. 21, September 2016 STUDENT FINANCIAL SUPPORT 18

19 True or False; Most student pay back all of their loans? True Question 2 False 21 September 2016 STUDENT FINANCIAL SUPPORT 19

20 When you start earning over 21,000 what % do you pay back? A. 20% Question 3 B. 5% C. 9% D. 15% 21 September 2016 STUDENT FINANCIAL SUPPORT 20

21 Is Student debt actually more like a Student Tax? True Question 4 False 21 September 2016 STUDENT FINANCIAL SUPPORT 21

22 What do most students feel about the amount of student loans they ll probably have to pay back? A. Most can t sleep at night. B. Generally, most students don t care too much, they enjoy the benefits of the loan system and use it to support themselves through uni. Question 5 21 September 2016 STUDENT FINANCIAL SUPPORT 22

23 Imagine you get your first loan payment What will you splash out on? A. Obviously Books Question 6 B. New Phone/console C. Holiday! D. Anything you want 21 September 2016 STUDENT FINANCIAL SUPPORT 23

24 Even though you have your loan, you get a part-time job while studying; what are the benefits of this? A. Making new friends Question 7 B. Earning extra income C. Increase employment chances after uni D. All of the Above 21 September 2016 STUDENT FINANCIAL SUPPORT 24

25 You ve graduated, got a job and are earning exactly 24,000, per year, how much will you have to pay a month? Question 8 A. 23 B C September 2016 STUDENT FINANCIAL SUPPORT 25

26 Useful Information students/ University websites Sarah Verbickas 26

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