Student Finance Calculator 💰

Find out exactly how much maintenance loan you'll get

2025/26 academic year rates

Your Details

Academic year

Where will you study?

Living at homeLiving away from home (outside London)Living in London

I'm in my final year

Household income

per year (before tax)

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

Show comparison mode

See how your loan changes if you move out or study in London.

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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