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University life is exciting, but it can also be expensive. As a student, you’ll learn to make your money go further, and you may also consider part-time work during your time at UCL.

There are also loans and funds that can make paying for tuition and living expenses easier. It’s not unusual for students to take out some form of loan or grant to fund their studies. Here are a few options that may help you

Where can I go for advice?

Money worries can be stressful. But you don’t have to go through this alone. Speak to us as soon as possible, and we can help you plan your next steps.

Talk to the advice service

Where can I take out a loan?

You are able to apply for low-cost loans to cover your tuition and living costs while at university. These often vary depending on how much your family earns.

Student loans often have a lower interest rate than regular loans, and you don’t need to start paying them back until you’ve left and are earning a certain amount.

There are also bursaries for lower-income families.

Find out more about loans and grants

What if start struggling for money?

If you find yourself in financial trouble, you can get help to complete your studies. But remember: These grants are for unexpected issues, and are not a long-term answer.

It is often better to apply for these earlier in the year, as funds can be limited.

Find out more about hardship funding

What about postgraduate funding?

You are able to apply for low-cost loans to help with your tuition and living costs while at university for postgraduate study.

Student loans often have a lower interest rate than regular loans, and you don’t need to start paying them back until you’ve left and are earning a certain amount.

You can also find many sources of scholarships and grants out there.

You might also want to consider finding an employer to sponsor you.

Find out more about postgraduate funding 

To be eligible for many of these loans, you will need to be a “home student” or EU resident. “Home students” are UK residents, who have lived in the UK for three years before starting the course.

Find out if you are eligible by visiting Gov.uk or the UK Council for International Student Affairs (UKCISA).