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Financing

Universities in the UK charge tuition fees. Fees may vary, depending on the university and field of study.
All universities publish fees for specific fields of study on their websites. Before making your choice, it’s a good idea to check the universities and fields of interest that you are interested in, and make sure you have the tuition fees.

 

Studying in England – costs
The average annual tuition fee at a public English university is around £ 9,000, which is around £ 27,000 for three years undergraduate studies.
You will not give away this money if you earn less than 25,725f in a given tax year. Only everything that is above this amount will be taken away by the state as part of a 9% tax towards the repayment of studies.

Loan application

Students starting their studies in the autumn of a given year, they should apply for a loan as soon as possible so that the university does not claim overdue payments from student finance. Even if you submit your application late, this is not a problem, because the university will wait up to 6 months for your funding in a row.

You can apply for a Maintenance Loan loan throughout the entire academic year. Earlier application within the prescribed period will, however, provide you with a loan from the beginning of your studies.
Our agency helps with the entire funding process or, if you wish, you can apply for a loan online, via the https: / /www.gov.uk/student-finance
Citizens of the European Union must apply by post. The applications can be found at https://www.gov.uk/student-finance or at our office. The application should be accompanied by an ID card or passport – a photocopier or original and tax declarations from the last year – yours if you have and your parents (if you are less than 25 years old). You will receive a letter from SFE within a maximum of six weeks.

What financial support is available?
There are two types of loans in the UK provided by the Student Finance England (SFE) organization. This organization, thanks to the British government, provides loans to British students as well as European Union citizens.

Types of loans:
– Tuition Fee Loan loan is paid out directly to the selected university,
– Maintenance Loan – is paid to cover maintenance costs. This loan depends on your household income. If you have less than 25l. this is your parents’ income. The minimum amount you can get is 8.944f.

⦁ Tuition Fee Loan

A tuition loan, also known as a student loan, is what many students are applying for to cover course costs at the university. It is rated as non-profit and is designed to help students in the UK, regardless of whether they are studying full-time or part-time, who would otherwise have problems with tuition fees.

⦁ Maintenance Loan
Maintenance Loan is a loan to cover maintenance costs. Different loan amounts are available and depend on household income and place of residence. Only people with a low household income (around £ 42,500 a year in a household) are eligible for full support. Attention! You must have Migrant Worker status after receiving 3 worked months in the UK to receive a Maintenance Penalty Loan. This means that in order to receive a loan, you must live and work in the UK a minimum of 3 months before starting your studies.

Tuition fees

The Student Finance organization will transfer money for the tuition fee directly to the university of your choice. The fee for the academic year is divided into three installments. SFE will inform you of the details of the loan payment by post.

 

Loan amount
Loan amount depends on the amount of income in your household and place of residence. In the 2019/2020 academic year, the maximum loan amounts for full-time students are as follows:
Living outside of London, around £ 8944,
Living outside of London, around £ 11672,
Living with parents – around £ 7529.

If you are a studying parent (1700f), or look after an adult (3000f)
and college dorms each year.

The entire amount you get can be up to 15,000f each year!

Loan payment
The loan is granted for the academic year and paid out to your UK bank account at the beginning of each semester. You will receive an e-mail and a letter of funding and on what dates you will receive money. They are paid out in 3 installments throughout the entire academic year.

Loan repayment
The loan will be repaid only after graduation and only when your income exceeds a certain threshold. If you work in England, the threshold for 2018-2019 is 25,725f and it increases every year. This threshold varies depending on the country where you earn and changes on April 6 each year. In 2018-2019, the financial threshold for Poland was 11 365 pounds a year (about 54 000 PLN) – this was the amount you had to earn to start paying back the loan after returning to Poland.
The loan begins to be repaid in the first April after graduation ( subject to exceeding the threshold). The loan is canceled after 30 years, regardless of whether it has been repaid or not.

The repayment of Maintenance Loan takes place on the same terms as Tuition Fee Loan and depends on your income. For example, if you earn 31,000f in a given tax year, the government will calculate 9%, which is over 26,725f, and divide them into 12 months. Look at the table to see more examples of what amounts will be charged monthly on repayment.