Student Finance

Don't Let Finance Be a Barrier to Your Future

Let our specialists help you navigate Student Finance England applications, grants, and funding — ensuring your focus remains purely on your studies.

What We Do

Student Finance England (SFE)

Complete, free support for your Student Finance England application — from eligibility checking to submission and beyond.

Navigating the Application

We turn the overwhelming student finance process into a smooth one. Our experts offer complete, step-by-step support on fees and documentation, leading to a stress-free, on-time submission.

Crafting Financial Blueprints

Beyond the application, we focus on your financial wellbeing. Our team assists you in creating a strong budget for all university expenses, proactively preparing you to manage any potential challenges.

Building Financial Freedom

We don't just secure funding; we educate you. Active Care Education provides clear insights into repayment plans and key factors, ensuring you are financially savvy for the challenges ahead.

Supporting Diversity & Needs

We are committed to fairness for all. We simplify the complex process of securing SFE disability-related funding, providing step-by-step guidance so students with special needs can study with confidence.

Types of Student Finance Available

Student Finance England offers multiple types of support. Here's what you may be entitled to:

Most students

Tuition Fee Loan

Up to £9,250/yr

Covers your course fees in full, paid directly to your university. You don't pay upfront.

Income assessed

Maintenance Loan

Up to £13,348/yr

For living costs — rent, food, and more. Amount varies based on household income and location.

DSA

Disabled Students' Allowance

Based on needs

For students with disabilities, mental health conditions, or specific learning difficulties.

Parents

Childcare Grant

Up to £188.90/wk

For eligible students with dependent children in registered childcare.

Parents

Parents' Learning Allowance

Up to £1,915/yr

Helps with course costs if you have a dependent child. This does not need to be repaid.

Dependants

Adult Dependants' Grant

Up to £3,354/yr

If an adult depends on you financially while you study, you may qualify for this grant.

Check Your SFE Eligibility

How Student Loan Repayment Works

Student loans in the UK are nothing like a traditional bank loan. You only repay when you can afford to — and any remaining balance after 40 years is written off entirely.

Only repay when earning over £25,000/yr

Below the threshold? You pay nothing.

Just 9% of income above the threshold

Earning £30k means ~£37.50/month.

Payments stop if income drops

No penalties, no debt collectors.

Doesn't affect your credit score

It's not a traditional debt.

Balance written off after 40 years

Whatever's left is forgiven.

Get Free Finance Guidance

Unsure about your eligibility? Let our SFE experts guide you — for free.

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What our students say about us

“The team was incredibly supportive, especially Zohra, whose help was exceptional. I would wholeheartedly recommend them to anyone pursuing higher education.”

Zayan Malik

“They supported me every step of the way — from choosing the right course to helping with personal statements. Professional, responsive, and genuinely caring.”

Cecilia Gaton

“Very helpful from start to finish and always ready for any queries. I will recommend to everyone to contact Active Care Education.”

Daljit Boparai

“Amazing team, very professional, highly recommended ⭐⭐⭐⭐⭐”

Ausra Songailiene

Student Finance FAQs

To qualify you generally need to: be a UK national or have settled/pre-settled status, have lived in England for at least 3 years before the course start, be studying a qualifying first higher education course at an eligible institution. We also help students with more complex situations — contact us to discuss your circumstances.

Apply as early as possible — ideally in February/March before your September start. Applications open each year via gov.uk. You can apply before confirming your university place. Early applications ensure your money arrives on time for the start of term.

You only repay once you've left education AND are earning over the threshold (currently £25,000/yr for Plan 5). You repay 9% of income above the threshold. After 40 years, any remaining balance is written off. It doesn't affect your credit score.

It depends on your previous study. SFE usually funds your first higher education qualification plus one additional year (called the 'gift year'). If you've studied previously, contact us — we can assess your specific situation.

Notify SFE and your university immediately. Future payments will stop. Any overpaid maintenance loan may need to be returned. Your existing loan balance remains and is repaid under normal income-based rules — you won't be chased for immediate repayment.

Allow at least 6 weeks once you've submitted a complete application. We strongly recommend applying as early as possible to ensure funds arrive at the start of term.