Full-time Undergraduate Financial Support

Full-time Undergraduate Financial Support

 

 

 

 

 

 

 

 

 

 

 

 

 

Tuition Fees 2019/20

For academic year 2019/20 University of Worcester fees are £9,250 a year for students starting in academic year 2019/20 on full-time undergraduate first degree level courses. There are some exceptions to these fees and you can find them on the University's Course Fees page by clicking on the link to the left of this page.

Students that started their course before September 2012 and pay “old style” fees should contact firstpoint for Tuition Fee details.

Tuition Fee Loan

You can pay your fees by applying for a non means-tested (ie. not based on income) Tuition Fee Loan from the Student Loans Company via Student Finance England. The fees are paid direct to the University on your behalf, so you need not find the money to pay for your course before you enrol or whilst you are studying. The loan only starts to be repaid after you leave university and are earning over £25,725 pa plus the March Retail Price Index %. Tuition Fee Loans are available to eligible Home and EU students.

 

PAYMENTS TO STUDENTS STARTING ON OR AFTER SEPTEMBER 2016

Maintenance Loans

Maintenance loans are available to eligible Home students to help with living costs such as accommodation, food, clothing, travel etc. For academic year 2019/20 the maximum maintenance loan is £8,944 per annum (or £7,529 per annum for those living at home with their parents) paid in three instalments.

Students with an underlying eligibility for certain means-tested benefits will receive a maximum maintenance loan of £10,194 if living away from home and £8,882 if living at home with parents.

Long Course Loans

New students on courses that exceed 30 weeks and 3 days a year (for example nursing or paramedic courses) receive an additional amount of Maintenance Loan. If they are living at home with parents they will receive up to £63 a week for each extra week and up to £96 if they live away from home.

Only some of the Maintenance Loan depends on income

For students living at home with parents 44% of the loan is a basic entitlement and does not depend upon household income, but the remaining 56% is means tested. For students living away from home 46.6% is a basic entitlement and 53.4% depends upon household income. See "Household Income" paragraph below for more information. Amounts of Maintenance Loan for students over age 60 depend on household income and are a lower amount.

Household Income

Some grants and part of the Maintenance Loan depend on household income ie. they are income assessed. If you are under age 25 on the first day of the relevant academic year, your parents’ income is usually taken into account (less certain pension contributions and an amount for their dependent children).

If you are estranged from parents or classed as an Independent Student then their income is not used and in the case of estranged students you would not be expected to try and contact parents for income details. The booklet Stand Alone; supporting people that are estranged at: https://standalone.org.uk/guides/student-guide is a guide for students who are estranged from parents and applying for student finance. The booklet can also be found on the Money Advice bookcase in firstpoint.

If you are age 25 or over on the first day of the relevant academic year, and live with a partner then their income will be taken into account for student finance purposes.

Student’s own income from paid work is not normally taken into account; only taxable unearned income such as money received from renting out a property.

See www.gov.uk/student-finance for further details.

Student Living at Home  Maintenance Loan 
 Household Income £25,000 or less      £7,529
 £45,000      £4,991
 £65,000  £3,314
 Away from Home  Maintenance Loan
 Household Income £25,000 or less  £8,944
 £45,000  £6,377
 £65,000  £4,168

Higher Rates of Maintenance Loan

Students with an underlying eligibility for certain means-tested benefits (for example lone parents) will receive a Maintenance Loan of up to £10,194 (or up to £8,882 if living at home with parents). Up to £3,783 (which is known as the Special Support Element) of this income is disregarded by the Department for Work and Pensions and Local Authorities when calculating income-related benefits.

 

PAYMENTS TO CONTINUING STUDENTS WHO STARTED BEFORE SEPTEMBER 2016

Maintenance Loans

For academic year 2019/20 the maximum Maintenance Loan for continuing students is £6,411 per annum for those students living away from the parental home, and the maximum for those living in the parental home is £5,099.

Students in receipt of all or part of the Maintenance Grant (see below) will have their Maintenance Loan reduced by 50p for every £1 of Maintenance Grant received. This reduction will not apply to those students with an underlying eligibility for means-tested welfare benefits; they will receive the Special Support Grant mentioned below instead.

Maintenance Grant

Continuing Home students who started their course before September 2016 may also be eligible for a non-repayable means-tested Maintenance Grant from Student Finance England of up to £3,694 pa, paid in three instalments. Students whose residual household income is £25,000 pa or less will receive the full £3,694. Those whose residual household income is between £25,001 and £42,875 will receive part of the grant and those whose residual income is above £42,875 will not be eligible for the grant. Receipt of all or part of the Maintenance Grant will reduce the recipient’s entitlement to the Maintenance Loan by 50p for every £1 of Maintenance Grant received. This reduction will not apply to students with an underlying eligibility for means-tested benefits; they will be awarded the Special Support Grant mentioned below instead.

Special Support Grant

Continuing students who started their course before September 2016 who have an underlying eligibility for means tested benefits (for example some lone parents) such as Income Support will be eligible for a non-repayable Special Support Grant of up to £3,694 pa, paid in three instalments. Payment is means-tested using the same income thresholds as the Maintenance Grant. This grant will be paid instead of the Maintenance Grant mentioned above and the Department of Work & Pensions and Local Authorities have agreed to disregard it in calculations for income-related benefits. Receipt of this grant will not reduce entitlement to the amount of Maintenance Loan due in the way that the Maintenance Grant does.

 

Final Year Students - Reduced Rate Maintenance Loans

The amount of Maintenance Loan paid to eligible students in their final year of study is less than the amount paid in Years One and Two. In academic year 2019/20 the maximum Maintenance Loan a final year student that started after September 2016 living at home with parents can expect to receive is £7,085 pa and £8,458 pa if they live elsewhere. 

 

Placement Year for Sandwich Courses

Students who started their course after September 2012 undertaking a work placement year as part of their course will only be charged 10% of the full-time tuition fee rate for the year in question. Eligible students will be entitled to a reduced rate non means tested Maintenance Loan from Student Finance England of £2,709 per annum if they are living away from home, and £2,031 if living at home.

 

Applying for Student Finance

Apply to Student Finance England for funding as soon as possible, ideally at least four months before the start of your course. You can apply for funding even before you have been offered a place at university, usually the February before your September start. Applications are made online at www.gov.uk/student-finance and you can phone Student Finance England on 0300 100 0607 if you have any queries.

Tuition Fee Loans, Maintenance Loans and Grants can all be applied for using one on-line application form. It is important to have an income assessed award (i.e. where your parent’s or partner’s income is taken into account) to make sure that you are awarded the maximum amount to which you are entitled.

Financial support from Student Finance England for September starters, with the exception of Tuition Fee Loans which are paid directly to your university, is paid in three instalments in September, January and April.

If you do not apply within nine months of the start of your course you may lose your right to apply for that particular year.

For help and advice on completing your application, see links to left of this page.  

       

Previous Study

It is important to note that previous study at Higher Education level or above (ie above Level 3) can affect your entitlement to student financial support, depending on what you plan to study, and you should contact Student Finance England if you think this may apply to you. Previous study can be disregarded if you have evidence that you left for compelling personal reasons such as illness; you can also speak to the University’s Money Advisers if you think this may apply to you.

 

“Gift” Year

Student Finance England funding for living costs and tuition fees is available to eligible students for the length of their course and also for one extra year if needed to complete the course.

 

Reassessments & Retakes

There is no charge for having a module reassessed although postgraduate students are charged 20% of the fee for having their Independent Study reassessed. If a module needs to be retaken then the student will be charged the cost of the module. Tuition Fee Loans are not available through Student Finance England to pay for retakes within the normal duration of the course. However, students may receive Tuition Fee and Maintenance Funding if they extend the length of their course to include the retake under the “gift” year system (see above).

 

Student Finance and Paying for Accommodation

It is important to note that the financial support that you receive from Student Finance England will not always be enough to pay for your accommodation and living expenses, especially if you use the accommodation at the top of the price range. See Budgeting & Boosting Your Income on advice on how to avoid financial short-falls. 

 

Sickness Absence

Student Finance can continue to be paid automatically for up to 60 days to students on sick leave but for payments to extend after that financial hardship needs to be demonstrated.

 

Extra Financial Help for Students

See webpages for information on Disabled Students' Allowance, Access to Learning Fund (University Hardship Fund), Bursaries and Scholarships and Educational Trust Funds & Charities

 

Withdrawing from University

Students withdrawing from their course before the end of a year may still have a liability to pay tuition fees. An example of percentages due is shown below; for more details contact the University’s Finance Office by emailing them on creditcontrol@worc.ac.uk

 Undergraduate & Postgraduate Taught Full Time  Part Time 
 Withdrawal Date  Home & EU  International  
 Day 1 to Day 14 of course or module
(excluding induction week)
 0%  50%  0%
 Day 14 to end of Term 1
Part Time - Day 14 to end of module
 25%  50%  100%
 Day 1 of Term 2 to end of Term 2  50%  100%  
 Day 1 of Term 3 to end of Term 3  100%  100%