Student Finance Calculator
Estimate your tuition fee and maintenance loans for the 2024/2025 academic year based on your household income and living situation.
Estimate Your Student Finance
Enter your course details and household income to instantly see your estimated tuition fee and maintenance loan entitlements.
Loan Estimator
Get a clear breakdown of your potential student finance package.
How Maintenance Loans Work
Understanding your entitlement
Tuition Fee Loan
This goes directly to your university to cover course costs. It is not means-tested and is available to all eligible students up to £9,250.
Maximum Maintenance
If your household income is below £25,000, you receive the maximum maintenance loan for your living situation.
The Income Taper
For every £7.20 of household income above £25,000, your maintenance loan is reduced by £1, until it reaches the minimum guaranteed amount.
Minimum Guarantee
Regardless of how high your household income is, a non-means-tested portion of the maintenance loan is always available to help with living costs.
2024/2025 Maintenance Loan Rates
The maximum and minimum maintenance loan amounts available for undergraduate students in England, depending on where you live while studying.
| Living Situation | Maximum Loan (Income ≤ £25k) | Minimum Loan (High Income) |
|---|---|---|
| At parents’ home | £8,610 | £4,106 |
| Away from home, outside London | £10,222 | £4,804 |
| Away from home, in London | £13,348 | £6,222 |
Student Finance FAQ
Answers to the most frequently asked questions about student loans, maintenance grants, and repayment thresholds in the UK.
Your maintenance loan is calculated based on your household income, where you live while studying, and your course start year. The lower your household income, the higher your maintenance loan, up to a defined maximum cap.
Household income typically includes the taxable income of your parents or partner from the previous tax year. This includes salary, dividends, rental income, and certain state benefits, before tax and National Insurance are deducted.
For students starting an undergraduate course in England from August 2023 onwards (Plan 5), you start repaying your loan in the April after you graduate, but only if you earn over £25,000 per year. You repay 9% of your income above this threshold.
Yes. If you have children or are a single parent, you may be eligible for a Childcare Grant and Parents’ Learning Allowance. If you have a disability, long-term health condition, or specific learning difficulty like dyslexia, you can apply for the Disabled Students’ Allowance (DSA), which does not depend on household income.