Student Finance Calculator 💰
Find out exactly how much maintenance loan you'll get
2025/26 academic year rates
Your Details
Your Maintenance Loan
Total per year
£10,544
Per term
£3,515
Per month
£879
💡 What this means:
- • This is paid directly to you, not your university
- • Paid in 3 installments (start of each term)
- • You start repaying after graduation (if earning £27,295+)
- • Repayments are 9% of income above £27,295
How is this calculated?
📊 Based on household income
The amount you get depends on your household's taxable income. Lower income = higher loan. Income between £25,000-£70,000 gets a sliding scale.
🏠 Where you live matters
Living in London costs more, so you get more. Living at home? You get less because you're not paying rent. Student Finance England gives different amounts for each situation.
💳 How you get paid
You get 3 payments per year - one at the start of each term. The money goes straight to your bank account, not to your university.
📈 When you repay
You only start repaying after graduation if you earn over £27,295/year. Repayments are 9% of anything you earn above that threshold.
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