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 (2015-16 if you are applying to study in 2017/18).
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. Where parents have separated during 2015-16, the parental income may be assessed on a pro-rata basis taking the parents' joint income for such time as the parents were living together. Please note, if a parent has a cohabiting partner, their income may be taken into account.
Student Finance will examine the family income to see if any contribution should be made towards the student loan for maintenance. The contribution, if any, will be split equally amongst the student children, so each student will usually receive a higher amount of maintenance support.
You can apply for independent status if your circumstances meet one or more of the following criteria:
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.
Yes. Student finance will notify returning students when applications open each year.
You can apply for the Development Trust Scholarships, as these are not household income assessed. Further information is available at www.harper-adams.ac.uk/finance/undergraduate-scholarships.cfm
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 University by Student Finance.
If you are paying your own fees, you will be issued an invoice to pay at, or before, Freshers Registration. Further information is available here.
Your payments will be made in three instalments, generally one at the beginning of each term. These will be paid directly into your bank account.
To ensure you receive your payments promptly:
Your payments will not be released if you don't provide the information stated above. Please note, the first payment is usually delayed for around a week or so whilst we confirm your attendance at the University. 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 can view and print any correspondence by logging into your online Student Finance account. It is important to check correspondence regularly.
You can contact Student Finance by phone to discuss any problems. It is useful to make note of who you spoke to and the advice they gave.
Sometimes it is helpful to discuss your situation with a member of staff at Harper Adams University. Andrea Whalley, Student Financial Support Officer is happy to help with any queries. It is useful if you set up a 'consent to share' password, so that Andrea can contact Student Finance to discuss your account on your behalf. If you want to set this up, just give Student Finance a call and request consent for 'Harper Adams University Student Finance' and give them a password. The postcode is TF10 8NB. Just email your password to firstname.lastname@example.org. This will be kept confidential.
You only start to pay off your student loan once you have graduated. Your repayments will be taken directly from your salary. For click here for further information.
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.
After a set period of time, your outstanding debt will be written as follows:
Yes, without incurring any penalties.