Living cost loans
Home (UK) students are eligible to apply for a living cost loan (also called maintenance loans) if you鈥檙e studying full time. This is to help towards your day-to-day spending such as food, travel and accommodation.
In 2025/26 the maximum annual loan available will be:
- Students living at home 拢8,877
- Students living away from home 拢10,544
- Students who are eligible for benefits and living at parental home 拢10,473
- Students who are eligible for benefits living away from parental home 拢12,019
You won鈥檛 have to repay your tuition fee or living costs loans until you graduate and earn over 拢25,000 a year. This figure is updated in April every year. You will pay 9% of everything you earn above the 拢25,000 threshold. If you haven鈥檛 repaid the loan 40 years after you left the University, any remaining debt will be written off.