No, you will receive financial support for university from either the Scottish Government, the Welsh Assembly Government or the Northern Ireland Executive which may differ from the arrangements in England.
To find out more go to:
- Scotland - www.saas.gov.uk
- Wales - www.studentfinancewales.co.uk
- Northern Ireland - www.studentfinanceni.co.uk
This is dependent on the course you are studying, where you live and your household income. If you are from England, the Student Finance Calculator will provide you with a tailored estimate of the financial support you could receive. This can be found at www.studentcalculator.org.uk
Your household income is the total amount your family earns each year before tax and National Insurance. It is based on earnings for the previous tax year (2010-11 if you are applying to study in 2012/13)
If a parent or partner is expecting a 15% drop or more in their income they can ask to be assessed on the current tax year.
Student finance will assess your eligibility for funding on the household in which you live most of the time.
You should apply for student finance as early as possible.
Student finance guarantee funding for the start of term if you have made an on time application. See www.direct.gov.uk/studentfinance for further details.
Yes.
If you don't apply for a student loan you can still apply for the industry and Development Trust scholarships, and the Family Scholarship, as these are not household income assessed.
It does not matter which course you put on the form in the beginning, however we do recommend that you use your first choice. If this changes for any reason, you can contact Student Finance at any time and change this. It is important that you make sure that Student Finance has the correct course before you register at university at the start of term.
If you have applied for a Tuition Fee Loan, this will be paid directly to Harper Adams by Student Finance so you don't have to worry about paying this yourself.
If you are paying this yourself you will be issued an invoice to pay at, or before, Freshers Registration.
Your student loan will be paid in three instalments, generally one at the beginning of each term. This will be paid directly into your bank account. Therefore, it is important that you begin to think about how to budget your money whilst away at university. For further help budgeting, visit www.studentcalculator.org.uk
You only start to pay off your student loan once you have graduated. Your repayments will be taken directly from your salary.
This would be a decision for the loan provider, but student loan information won't be shared with credit reference agencies by Student Finance England.
The Council of Mortgage Lenders has advised that a student loan is very unlikely to impact materially on an individual’s ability to get a mortgage. The amount of mortgage available may depend on net income.
Graduates do not have any control over how much they repay each month via the tax system.
After 30 years your outstanding debt will be written off and you will owe nothing, from 2017 the threshold will rise with average earnings.
The Government has not decided this yet.
Please contact our Admissions Officer for further information:
Claire Davies
Admissions Officer
Telephone: +44 (0)1952 81 5016
Email: studentfinance@harper-adams.ac.uk
