student finance

What is Student Finance England (SFE)?

Student Finance England is a government-funded body that assists individuals who wish to study at university or college, in paying tuition fees and managing their living costs. The calculation to determine the exact loan and/or grant a person would receive, is based on their household income. The amount of tuition fees that must be paid depends on the individual’s specific circumstances. Further financial support is available for low-income households, those studying with dependents, the disabled, and those with special medical health challenges.

Why apply for SFE?

If an aspiring student has financial difficulty in attaining their higher education, then they can apply for SFE. The loans have fixed interest rates meaning they the debt will not increase overtime. There is no increase in monthly payments (once eligible to payback). You only make repayments when you start earning more than £21,000 a year. Repayments are put on hold whenever your income drops below this amount. Loans can discharged.

Who would benefit from SFE?

A well-educated person can give rise to a well-educated generation who can make better innovations for the progression of the society. The student can be more comfortable in schoolwork and college experience while avoiding financial concern.

How can we help?

We are affiliated with the Student Loans Company that offers different types of loans to students in the UK. Our well-informed and experienced staff members have the knowledge and expertise you need to help you find the best type of funding and repayment method to suit your needs. We have many clients who have successfully applied for loans and are successfully pursuing their higher education. Among their reasons: transparency, convenience and what else.

How does it work?

Student Loans Company gives three types of funds:

1. University tuition fee loan (paid directly to the university):

  • Eligibility criteria: UK/EU Students.
  • Payment method: loan paid directly to the university each term (three times a year). 
  • Repayment method: monthly instalments after you start earning more than £21,000 a year.


2.Maintenance loan (paid directly to the student):

  • Payment method: loan paid directly to the student’s bank account at the start of each term.
  • Repayment method: gradually repaid after you start earning more than £21,000 a year.

3. Maintenance grant (paid directly to the student):

  • Payment method: paid directly to the student’s bank account to support their living costs.
  • Repayment method: this is NOT a loan; hence, there is NO repayment.
What is “Household Income”?

Your household income is made up of your income plus that of the people who live with you, for example:

  • Your parents
  • Your parent and their partner
  • Your partner


You must provide details of your household income if you apply for any of the following:

  • Full Maintenance Loan
  • Maintenance Grant
  • Special Support Grant
  • Childcare Grant
  • Adult Dependents’ Grant
How to arrange repayments?
  • Repayments applicability: tuition fee loans and maintenance loans. 
  • No repayments: grants and bursaries given by the Government to support you.

Your loan repayments are linked with your future income. You only make repayments when you start earning more than £21,000 a year. Repayments are put on hold whenever your income drops below this amount.

Application Procedure:

Students submit scanned copies of the following documents to the recruitment advisor:

  1. Passport
  2. Previous Educational Documents
  3. National Insurance Number
  4. Proof of address

The DG Study World team checks these and helps you identify suitable partner institutions.

If accepted, you will be invited for a free face-to-face consultation. Here, all the different university options will be discussed. You will then need to fill out the relevant application forms for the institutions under consideration.

All documents are passed on to the selected universities. You should expect to receive an offer letter within 2-3 days of sending the application.

The university invites you to their campus and assists you in completing your UCAS and Student Loans Company (SLC) applications online.

You receive a letter from the Student Loans Company detailing the finances that have been allocated to you. You will start receiving payments after you have successfully enrolled at the university, and after the university confirms your attendance to the Student Loans Company.

Age Range:

17 years and above.


Most institutions offer:

  • HNDs: 1-2 years
  • Bachelor’s courses: 2-4 years 
  • Master’s courses: 1-2 years
Start Date:
  • January – February
  • May – June
  • September – October
Entry Requirements:

Must be eligible for Student Loans Company (SLC) funding.

Eligibility criteria for SLC funding:

  • UK national or have ‘settled status’ (no restrictions on how long you can stay)
  • Have been living in the UK for 3 years before starting your course
  • Normally live in England


May also be eligible if residency status is ONE of the following:

  • EU national, or family member of an EU national
  • Humanitarian protection (asylum seeker)
  • Refugee
  • EEA migrant worker
  • Child of a Swiss national
  • Child of a Turkish worker.


Age criteria for SLC funding:

  • No upper age limit for tuition fee loans or grants.
  • Maintenance Loan: under 60 years at course start date.

Education Level criteria for SLC funding:


Depends on the duration and type of course: £6,000 to £35,000.

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