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STUDENT FINANCE ENGLAND
Understand your funding
before you start university.
Starting an eligible course from 1 January 2027? You may apply for student finance through the new Lifelong Learning Entitlement (LLE).
UniGo helps you understand your funding options and prepare your application, with free guidance when you apply through us.
Free guidance
When applying through UniGo
Applies to students funded by Student Finance England. Rules differ elsewhere in the UK.
What is LLE?
LLE is England’s new student finance system for most undergraduate courses starting from January 2027. It supports eligible full qualifications and selected shorter modules, giving you more flexibility to study or retrain.
Students already funded for a course that started before January 2027 will normally continue under their existing arrangements.
Paid to your university
Tuition Fee Loan
Helps cover the tuition fee charged by your university or college, so you do not normally pay it upfront.
Up to £39,160 in total tuition fee loans
Standard full-time course
New learners may access tuition funding equivalent to around four years of full-time study at 2026/27 rates. Previous publicly funded study can reduce the amount available.
The maximum loan is currently £9,790 per 120 credits, although lower limits apply to some providers and courses, including certain foundation years. Your loan may not cover the full fee charged.
Paid into your bank
Maintenance Loan
Helps with rent, food, travel and study costs.
Your amount depends on household income, living arrangements, course length and credits studied. Studying fewer than 120 credits usually reduces your entitlement proportionally.
£9,118
Living with parents
£10,830
Away, outside London
£14,135
Away, in London
ELIGIBILITY IS PERSONAL
What Student Finance England checks
01
Status and residency
Nationality, immigration status and residence history.
02
Your course
Course level, provider and study intensity.
03
Previous study
Earlier higher education can affect remaining funding.
04
Your circumstances
Age, household income and where you will live.
ADDITIONAL SUPPORT
You may be able to get extra help
Childcare Grant
Parents' Learning Allowance
Adult Dependants' Grant
Disabled Students' Allowance
APPLICATION PROCESS
How it works
01
Check eligibility
Review your status, residence and previous study.
02
Prepare evidence
Gather identity, residence and income documents.
03
Apply online
Submit through your own official account.
04
Track and update
Respond to evidence requests and report changes.
STUDIED BEFORE?
Previous study does not always mean “no funding”
A previous course can reduce entitlement, but additional support may sometimes be available for compelling personal reasons supported by evidence.
STARTING FROM JANUARY 2027?
New LLE funding rules apply
Many students beginning eligible courses on or after 1 January 2027 will apply through the Lifelong Learning Entitlement system.
9%
of income above the threshold
PLAN 5 REPAYMENTS
Repayments depend on income
For most undergraduates starting from August 2023, the 2026/27 threshold is £25,000. You repay 9% only on income above that threshold, and repayments stop if earnings fall below it.
HOW UNIGO CAN HELP
Understand your options
before you submit
Many students beginning eligible courses on or after 1 January 2027 will apply through the Lifelong Learning Entitlement system.
UniGo provides general information and practical application guidance. Eligibility and funding decisions are made by Student Finance England. You submit through your own official account; never share your password or security code. Information updated July 2026.
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