Tuition fees
Tuition fees will be £10,050 for the 2027/28 academic year. In England and Wales, tuition fees for home undergraduate students are subject to the government fee cap. The tuition fee for the 2028/29 academic year is yet to be confirmed.
Government has also announced that the fee cap will then increase on an annual basis to reflect inflation (increasing costs), and the tuition fee home students pay in subsequent academic years will reflect any increases in the government fee cap (we will communicate this as soon as we can in advance of the relevant academic year).
If you’re a resident and ‘settled’ in the UK at the start of the first academic year of your course, you'll be able to apply for a government tuition fee loan, which will cover your fees.
For more information on Home Tuition Fee eligibility criteria, visit the government website.
Maintenance loans
Government support for living costs (called a maintenance loan) is available to undergraduate students living in England.
- The amount of loan you receive is based on an assessment of your household income by Student Finance England. It will vary depending on whether you live away from home, live at home with your parents or study at a university in London.
- If your household income is £25,000 or less, you’ll receive the maximum amount of maintenance loan.
- If you live in Scotland, Wales, Northern Ireland, Jersey, Guernsey or the Isle of Man, you’ll need to apply for student finance via your relevant student finance agency.
- There are maintenance loans available for students who qualify for benefits. The maximum amount of maintenance loan is available for households with an income of £25,000 or less.
The government has announced the maximum levels of maintenance loan available depending on circumstances for 2026 entry.
- Living with your parents: up to £9,118 per academic year;
- Living away from your parents, outside London: up to £10,830 per academic year;
- Living away from your parents in London: up to £14,135 per academic year.
Maintenance loan levels for 2026 entry
| Living and studying at a university outside of London | |
| Household income | Loan for Living Costs |
| £25,000 and below | £10,830 |
| £30,000 | £10,058 |
| £35,000 | £9,285 |
| £40,000 | £8,512 |
| £45,000 | £7,739 |
| £50,000 | £6,967 |
| £55,000 | £6,194 |
| £60,000 | £5,421 |
| £70,000 | £5,048 |
|
Living in parental home |
|
|
Household income |
Loan for Living Costs |
|
£25,000 |
£9,118 |
|
£30,000 |
£8,354 |
|
£35,000 |
£7,589 |
|
£40,000 |
£6,825 |
|
£45,000 |
£6,060 |
|
£50,000 |
£5,296 |
|
£55,000 |
£4,531 |
|
£60,000 |
£4,013 |
|
£70,000 |
£4,013 |
Maintenance loan levels for entry 2026 available for students who qualify for benefits
The maximum amount of maintenance loan is available for households with an income of £25,000 or less.
|
Living and studying at a university outside of London |
|
|
Household income |
Loan for Living Costs |
|
£25,000 and below |
£12,345 |
|
£30,000 |
£11,149 |
|
£35,000 |
£9,953 |
|
£40,000 |
£8,757 |
|
£42,875 |
£8,069 |
|
£45,000 |
£7,740 |
|
£50,000 |
£6,967 |
|
£55,000 |
£6,194 |
|
£60,000 |
£5,421 |
|
£62,415 |
£5,048 |
|
£65,000 and above |
£5,048 |
|
Living in parental home |
|
|
Household income |
Loan for Living Costs |
|
£25,000 |
£10,757 |
|
£30,000 |
£9,534 |
|
£35,000 |
£8,311 |
|
£40,000 |
£7,088 |
|
£42,875 |
£6,385 |
|
£45,000 |
£6,060 |
|
£50,000 |
£5,295 |
|
£55,000 |
£4,530 |
|
£58,380 |
£4,013 |
|
£60,000 and above |
£4,013 |
Find out more about student loans and funding buy using the government's student finance calculator.
How to apply
Watch the Student Finance England video for everything you need to know about applying.
If you live in England, you can apply online for tuition fee loans, maintenance loans and financial help through the GOV.UK website.
The application deadline is usually in May of the year you start your course, but you should:
- apply for student finance early to make sure that your funding is in place for the start of your course. You don't need a confirmed place at university to apply for funding;
- use your first choice of course when applying (this can be changed online later if needed).
All living cost loans and non-repayable financial help will be paid directly into your bank account in three instalments – usually in September, January and April.
If you live in other areas of the UK, the application process is different, check how to:
If you wish to be automatically assessed for the Manchester Bursary, you’ll need to agree to share your financial information on your Student Finance application.
Repayment
After you graduate, your tuition fee and living cost loans will be combined into one sum. You don’t have to start paying anything back until the April after you’ve finished your course and only when you start earning over £25,000 per year.
The amount you pay back is 9% of your income above £25,000 and repayments are made automatically through the tax system. Interest rates are based on the retail price index and any outstanding repayments will be written off after 40 years.
|
Income each year (before tax)
|
9% will be deducted from
|
Approximate monthly repayment
|
|
£25,000
|
£0
|
£0
|
|
£35,000
|
£10,000
|
£75
|
|
£40,000
|
£15,000
|
£112
|
|
£45,000
|
£20,000
|
£150
|
|
£50,000
|
£25,000
|
£187
|