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Student Finance London

Sorting out your finances is part of becoming a responsible adult, and it becomes more important as you take on the financial burden of attending university. The articles in this section will help you through various financial issues, such as paying for university, budgeting your own money and much more.
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Student Finances London

Managing your moolah is a skill and budgeting’s a key part of making the balance sheet, well, balance. For many students, this is a tougher deal than it sounds.

University Services London

Money is a big bubble of worry in the gut for most students, most of the time. Living in college usually works out cheaper than renting your own place, but not every university gives you the chance (and only a very few let you live in for your whole degree).

School Grants and Loans London

Maintenance loans are designed to cover your living costs and, if you jump through all the hoops and don’t make a mess of the form, you could get up to £4,625 per year of study.

Student Loans London

If you want to apply for the means-tested elements of support, you’ll have to estimate your gross taxable income for the year to come. This income includes all money you earn or receive that you pay tax on, except for any part-time or holiday jobs you do during your course.

Debt Specialists London

Try moaning about student debt to someone with a mortgage and they probably won't be too impressed – but, if you have a mortgage, you probably have property to show for the hole in your finances. You probably also have a salary to support your repayments. Most students have neither.
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Bank Checking Services London

An overdraft is a minus amount of money in your account. So an overdraft limit’ is the sum that your bank has decided you’re allowed to take out of your account even though you haven’t actually got any money in there.

Banks London

u may have had a bank account since the tooth fairy gave you 10p for your first milky peg, but becoming a student gives you a great opportunity to review the situation.

Bill Payment Services London

It’s so tempting to ignore bills when you have so many other financial pressures on you, but the best policy is to pay up promptly. Ultimately, it’s not just a matter of being cut off – you could be evicted by your landlord for not paying utility bills, or end up with a court summons.

Career Development Loans London

Career Development Loans (CDLs) are a Government-funded scheme to help people who are doing vocational training courses. If it ain’t vocational, then you won’t qualify.

Cheque Books London

Most banks will give you a cheque book as part of your basic welcome pack when you open an account. They’ll give you a paying-in book too, which will probably see less use.

College Financial Services London

You might think that once you’ve paid your tuition fees, you should get everything provided – exercise books with you name written on them, a pencil, some crayons – just like primary school. But no – unfortunately, your tuition fees are just the start of it.

College Checking Account London

Sensible banking doesn’t mean leaving all your money in your bank account. It means doing the best for your money and your money will do its best for you. What’s more, your bank will respect you for it.

College Finance Budgeting London

During a typical week at university (or, even better, a whole month or a term), keep a record of everything you buy (by cash, card, direct debit and cheque) and how much it costs pints, snacks, cab rides, fetish outfits, etc. Cheque stubs, receipts and bank statements can all help you draw up a comprehensive record of total expenditure.

College Financial Planners London

Doing a preliminary budget is all very well, but sticking to it is the difficult bit. In theory, it’ easy in practice, it’ a different matter. Despite your best intentions, you may still find yourself up to your neck in debt, wondering how the hell you got there.

College Taxes London

Everyone gets a personal non-taxable allowance - which is the amount you’re allowed to earn before the Government starts taking a cut. Tax years run from April to April (don’t ask why it’s something to do with medieval sheep markets) and for April 2008-2009, the personal tax allowance is £6,035.

College Tuition London

Lone student parents and those whose partner is also a student should be eligible for the special support grant rather than the maintenance grant. Unlike with the regular maintenance grant, it won’t affect the amount of student loan you’re allowed to take out. It also won’t affect any entitlement to benefits.

Credit Card Security London

Although Push doesn't wish to tar all shopkeepers with the same suspicious brush, if your local cornershop asks if you need cashback, say no - unless you urgently need some readies and are positive there’re no working cash machines in a several-mile radius.

Debt Counselors London

Usually the university or SU welfare service will have debt counsellors who can tell you what to do, who you can ask for more money and how to make ends meet on whatever you’ve got. Read on to learn more.

Debt Relief London

Debt is undoubtedly a hassle and, in fact, while you’re a student one of the main problems with debt is not that you don’t have any money, but what worrying about it threatens to do to your head.

Debt Specialists London

Try moaning about student debt to someone with a mortgage and they probably won't be too impressed – but, if you have a mortgage, you probably have property to show for the hole in your finances. You probably also have a salary to support your repayments. Most students have neither.

Educational Financial Aid London

There’s a breakdown of the main wallet leaks below, but they vary from place to place. Even within the same town, costs can vary between universities depending on what kind of facilities they lay on and how good they are.

Financial Aid Services London

The Government-funded student loans available from the SLC are most students’ main source of income to cover the costs of living – somewhere to live, something to eat, something to wear, books, travel, beer money and maybe the odd matchbox Ferrari from any left-overs.

Financial Assistance London

Postgraduate fees, like undergraduate fees, are usually only a contribution to the total cost, the rest of which is paid for by taxpayers. But unlike undergraduate fees, there’s no easy system of loans to put off paying them until later.

Financial Planners London

Push has roughed out the range of possibilities but, ultimately, your finances are your own. Not only will your income and costs be unique but, much as Push would love to play personal exchequer to each and every student in the land (yeah, right), it’s important to work out your budget for yourself and know it inside out.

Household Bills and Utilities London

From the start, make an arrangement with your housemates to avoid future tension. A good safety net is to make a different person responsible for each bill and divide the costs equally between you from there. This is far better than putting all the bills in one person’s name and leaving that poor sod to sort out all the payments.

Institutional Bursaries London

There are three main parts to the Government's student finance package: loans, grants and bursaries. While loans and grants are the main feast in a burger and bun-style combo, bursaries are an important part of student funding too - the just-as-essential ketchup if you will.

LEA Services London

Complete and return the form. Enclose any bits and bobs the LEA have asked for, such as your passport or birth certificate (to prove that you are who you say you are) and, if you want the means-tested support, evidence of how much money your parents earn. If you’ve applied online, you’ll need to send in your passport and the like along with the ID you’re given on the website.

Local Education Authority (LEA) London

There’s a standard application form which asks you, among other things, all about your parents ’ salaries. Even if you’re earning, unless you’re an ‘ independent student’ , they’re not generally worried about your own income.

Mature Student Services London

The definition of a ‘mature student’ varies, but it doesn’t necessarily mean someone who wears a cardigan and slippers and drinks a nice cup of cocoa before a sensible bedtime. For the purpose of student finance, ‘mature’ means a first-time undergraduate over the age of 25.

Personal Belongings Insurance London

If you are in halls of residence, you may find that your rent charge includes a comprehensive insurance policy to cover all the students living there. But don’t assume that it does. Failing that, check your parents’ home insurance policy. Quite a few of them cover your belongings even though you’re living away from home (but sometimes they exclude student residences, so read the small print).

Personal Lending London

When you’re a student, all those hopeful delusions of independence and financial freedom will probably be shattered as, recovering from freshers’ week, you realise that all you have left is £19.63, an orange space hopper, one or two unidentifiable (and therefore inedible) items in the fridge and a pack of bic biros to last you the rest of term.

Scholarships London

Scholarships reward students for being brilliant at sport, music, public speaking, writing virtually anything you can think of. Even academic work.

School Grants and Loans London

Maintenance loans are designed to cover your living costs and, if you jump through all the hoops and don’t make a mess of the form, you could get up to £4,625 per year of study.

Student Finance Application London

If you fancy the online route, then register at www.studentfinancedirect.co.uk . Otherwise, contact your LEA for an application form (PN1) if they haven’t already sent you one or download it from www.studentfinancedirect.co.uk.

Student Finances London

Managing your moolah is a skill and budgeting’s a key part of making the balance sheet, well, balance. For many students, this is a tougher deal than it sounds.

Student Financial Services London

Befriending your bank is a good idea. Wining and dining them probably isn't necessary but at least return their phone calls. That way, they’ll trust you if you need their help. What’s more banks almost never make a profit out of student accounts they run them at a loss to attract customers who’ll earn more in the long run.

Student Funding London

In 2006, the whole student funding system got an almighty kick up the posterior. If someone who went to university ten, five or even three years ago starts trying to explain to you how the whole funding system works, tune out for a while. It’s all changed. Forget fixed tuition fees, mortgage-style loans, awards from the LEA all that stuff and more.

Student Loan Applications London

To get a student loan, which is likely to be your main source of student income and is probably worth applying for even if you think you’re too minted to need it. This part of the form is very short, so there’s no excuse for leaving it out.

Student Loan Repayments London

If your study abroad is a necessary part of your course and you’re going for at least eight weeks. Most language degrees involve some time abroad and that’s covered.

Student Loans London

If you want to apply for the means-tested elements of support, you’ll have to estimate your gross taxable income for the year to come. This income includes all money you earn or receive that you pay tax on, except for any part-time or holiday jobs you do during your course.

Student Loans and Grants London

Most UK students doing their first degree can get a student loan. In the not-so-distant-past, this was only intended to cover living costs, (or maintenance as they call it). Now that tuition fees have gone supersize - more sit-down meal than a light snack, however, you can get loans to cover those as well.

Studentships London

Many universities have a limited number of studentship awards available, for specific courses, which usually cover fees and maintenance. Criteria and deadlines for applications vary, so do your research well in advance with the admissions officer of the university you want to go to.

Tuition Fees London

Tuition fees are the yearly cost of a higher education course charged by the university. The university shouldn’t demand any other fees for admission, registration, graduation and so on, although don’t expect the fees to include your own photocopying say, library fines or cover expenses for a swish new Mac.

Tuition Fees and Services London

Just because you have a disability, it doesn’t mean you should have any less choice about where and what you study and all universities have a policy statement which outlines the support and facilities they offer, financial or otherwise.

University Costs London

Not all universities cost the same either . For starters, tuition fees vary depending on where you go and if you're Scottish, English or Welsh. Although most universities have settled on £3,000 a year, prices are as stable as a see-saw with hiccups.
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