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Student Money Advice

Increase of living costs affecting your studies? Come speak to us.

We offer:

• Private & confidential service
• Advice on student funding
• Access to Learning Fund
• Information on scholarships & bursaries
• Money management advice
• 1-2-1 Drop-in sessions

New resources available

SFE have created new resources aimed at helping students and sponsors resolve common Student Finance England (SFE) queries. These also help students use their online accounts to manage and track their applications without having to call us.

A 鈥楬ow To鈥� guidance page on includes essential messages on topics such as checking the status of an application, providing evidence, changing application details and resetting passwords.

To help illustrate these messages, SFE have created a range of short tutorial films. These form part of the 鈥楬ow To鈥� guidance but are also available to access either through the or as a stand-alone playlist on the . SFE will be publishing more tutorials soon, so please encourage students to keep an eye out on our social media channels.

Sharing these resource can help educate students to ensure they get their student finance right first time.

Student loan interest rates capped

A rise in the rate of RPI meant student loan borrowers faced a potential 12% interest rate in September. The government has capped interest rates at a maximum of 7.3% to protect graduates. More information is available on

The interest rate on student loans does not affect monthly repayments. These will not increase for students as repayments are linked to income, not interest rates. More information is available on

Students in Clearing

Students should apply now to ensure funding is received as close to term start as possible. Even if you are not certain what course you will be doing, it is best to apply now and update the online application later if needed.

SFE have produced a new . This contains useful resources including steps to take to ensure SFE can process applications quickly.

Students who have already applied for funding do not need to take any action unless:

• SFE ask them to provide evidence
• your university, college or course details change

If asked for evidence, please provide as soon as possible. If details change, update them on your online account.

Students should use the SFE online account to keep track of applications and view application status.

Money Saving Tips

• Don't shop on an empty stomach
• Eat at home - no eating out
• Buy a water bottle
• Use your leftovers
• Share 'BOGOF' offers

SFE and SFW Full-Time Undergraduate Student Finance Applications for Academic Year 2025/26 are Now Open

Academic year 2025/26: SFE and SFW full-time undergraduate student finance applications are now open.

It's time for new and continuing full-time undergraduate students from England and Wales to apply for student finance.

We鈥檙e encouraging students to apply now to make sure their funding is in place for the start of their course. We鈥檙e also reminding them that if they鈥檝e got exams coming up, if they get their applications in now, they can focus on their studies.

A key message for students who might be putting off applying until they鈥檝e got confirmed offers is:

Don鈥檛 wait until you鈥檝e got your UCAS offer. Apply now using your preferred choice and you can change it later if you need to.

SFE

We鈥檝e created some helpful lists to share with students:

Our lets students know what they need to do so they鈥檝e got everything they need to apply.

The gives students key dates, including deadline dates for student finance applications.

SFW

We鈥檝e updated our to help students find out what they need to know about student finance, including deadline dates for student finance applications.

Key changes

鈥淓U Student鈥�, 鈥淯K Student鈥� and 鈥淲elsh Student鈥� across all domiciles has been updated.

• 鈥淓U Student鈥� is now referred to as 鈥淭uition fee only student鈥�
• 鈥淯K Student鈥� and 鈥淲elsh Student鈥� are now referred to as 鈥淭uition fee and living cost student鈥�

Students reminded to be vigilant of scams as academic year 2025/26 begins

Our top tips

• Check the quality of the communication. Misspelling, poor punctuation and bad grammar are often signs of 'phishing' scams.
• Look out for any emails, phone calls or SMS messages you think are suspicious, especially around the time you鈥檙e expecting a payment.
• Scam emails and text messages are often sent in bulk to many people at the same time. They're unlikely to contain both your first and last name. Emails like this often start with 鈥楧ear Student鈥� - so be on guard if you see this.
• Messages that seem urgent are also unlikely to be genuine. For example, if the email says 鈥榝ailure to respond in 24 hours will result in your account being closed鈥�.
• Think before you click. If you receive an email or SMS that contains a link that you鈥檙e not sure of, hover over it to check that it goes where it鈥檚 supposed to. If you鈥檙e still in any doubt, always go direct to the source rather than clicking on a potentially dangerous link.
• Scammers can use a variety of methods to try and get you to pay money or share personal details. This includes the use of fraudulent phone calls, social posts and direct messaging on digital platforms. If you're suspicious, always use official phone numbers, your online account and official communication channels to verify the contact you received is genuine.
• Students should also be mindful of the information they share about themselves. This could be on social media or elsewhere online. Identity theft happens when fraudsters access information about a person鈥檚 identity. This could be their name, date of birth, customer reference number, course information or their current or previous addresses. Fraudsters will use this to impersonate them online and over the phone.

Visit GOV.UK for more guidance on

Ways to recognise and report a scam