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Student loans and debt

Types of Student Loan

Student loans are among the cheapest form of long-term borrowing available. There are two different types of student loan:

  • one covers tuition fees.
  • the other is for help towards day-to-day living costs such as rent and travel.

All eligible students can get the full Student Loan for Tuition Fees, and at least a partial Student Loan for Maintenance, regardless of their household income.

However, this changes depending on where you live. For example, if you’re fortunate enough to be Scottish and studying in Scotland, you don’t need to worry about tuition fees as you don’t pay them. And, if you're from England or Wales but studying in Scotland, your fees will be cheaper.

Remember that you won't have to start repaying student loans until you've left university and are earning more than £21,000 before deductions.

Borrowing to go to uni

With the introduction of student loans, it’s become common for students to have some debt. Understand how student loans work and when you’ll need to pay them back.

Student fees

Get the latest loans, bursaries and maintenance grants information.


Find out moreFind out more about student fees (opens in new browser window)

More guides

Read more helpful advice on student banking.


Find out moreFind out more about student banking

Student Account

Learn more about our student account.


Find out moreFind out more about student accounts