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Going to university or college is one of the biggest investments you can make. But how much is it going to cost you and what help is available? Can you manage a budget whilst balancing your study, work and social life? UCAS is an agency which provide financial help to students in the form of scholarships or loans.
Our aim is to provide you with all the information you need to help you make decisions about your future.

Study Cost?
Understandably you are concerned about the cost of going to university or college. It may even make an impact on the decisions you make. There is, however, plenty of help and advice at hand about the opportunities and assistance available.

Cost is a concern for most potential students, but there is a variety of financial support available. The important part is knowing what is available, what you are entitled to and whether or not you will have to pay it back. As a general rule, grants and bursaries do not have to be paid back, but loans do, so it is important to check what you are applying for so that you know what you will owe when you leave higher education. This section outlines the different types of financial support offered to students, circumstances that can increase your entitlement, and how you can apply for assistance whilst you study.

Sstudying in England or Wales
As a student, you will have to pay for two things: tuition fees for your course and living costs, such as rent, food, books, transport and entertainment. If that sounds expensive, don't worry. You can get financial help from the government in the form of loans and grants. And you don't have to pay anything towards your tuition fees until you have finished studying and are earning over £15,000 a year.
Fees
Universities and colleges for 2006 entry can charge new students up to £3,000 a year for their courses. So depending on what you study and where, you may have to pay up to the maximum of £3,000 a year. The maximum fee charged will not rise by more than the rate of inflation before 2010 at the earliest. Amounts charged may vary between courses, as well as between different universities and colleges.
In Wales, UK domiciled students will pay an annual deferred fixed fee of £1,200 for academic year 2006/07 (first year only).
Then from academic year 2007/08 there will be an annual deferred flexible fee of up to £3,000 both for students starting in 2007/08, and those who started in 2006/07.
'Student Finance Wales' will provide a fee loan to defer fees. From 2007, students who normally live in Wales and who study in Wales, (who started studying in 2006 or later ), will also be entitled to a tuition fee grant of £1,800 which does not have to be repaid. The tuition fee grant is available irrespective of family income, and is paid directly to the place of study.
The good news is that this money does not have to be paid whilst you are studying. You will be able to take out a student loan to cover the tuition fees charged by your university or college. And you only start repaying this loan once you have finished studying and are earning more than £15,000 a year. The loan will be increased in line with the rate of inflation, but commercial rates of interest will not be charged.

International student
You have to pay for the full cost of your course. The amount is set by universities and colleges, so contact them for more information.
If you’re an EU student
EU student studying at an English university or college
you will pay fees in the same way as UK/home students. You will have access to the deferred fees scheme, so will only repay your fees after graduation. However, you are not entitled to maintenance support in the same way as home students.
An EU national who has been settled in the UK for over three years will be classed as a home student and will be able to apply for financial support for living costs.
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