Student Finance Information 2018 by Edge Hill University

Student Finance Information

2018

Contents

Loans

Scholarships

Repaying loans

Funding at a glance

Frequently asked questions

Useful contacts

Disclaimer: Students domiciled outside of England should check with their Government funding provider for specific details on fees and living costs support. Contact details can be found on page 26. Please note that the majority of information in this booklet applies to full-time students.

The accuracy of the guidance in this booklet is based on the latest information available at the time of writing. However, such information is subject to change, sometimes at short notice.

Whilst care has been taken to ensure that all information is correct, the University does not accept responsibility for errors, omissions or inaccuracies relating to external funding which it does not control. No guarantee is given that funding from external sources will be provided to any individual student. Printed: January 2018

Students and their supporters need to know about the financial side of studying, and Edge Hill University aims to give you the clearest information possible. This booklet summarises key information and tells you who you can contact to find out more.

There are differences in financial arrangements for some courses and according to individual circumstances, but for the majority of students starting degrees in 2018: -

You don’t have to pay fees up front

Edge Hill will give £1,000 to eligible high performing students who achieve 144 UCAS points in their final points

You could receive a maintenance loan of up to £8,700 each year to support living costs (see page 5 for further details) Tell us about your achievements outside the classroom and you could receive an Excellence Scholarship worth up to £2,000 You could develop your sporting performance by applying for a Sports Scholarship worth up to £1,000 per academic year.

Please note details of these schemes, special support for disabled students, care leavers and more is available on the following pages.

As with anything relating to money, ‘terms and conditions apply’ these are explained on the following pages, and our advisers can explain anything that is unclear.

You can find more information and any updates regarding student funding on our website: edgehill.ac.uk/moneymatters

Money while you study

Student Finance - Loans

Funding arrangements for UK and EU undergraduate students for 2018/19 Tuition Fee

Our standard full-time undergraduate tuition fee is £9,250 per annum - subject to Government approval.

Eligible students (UK/EU) will be able to borrow the full cost of their tuition fee from the Government in the form of a loan. -

You do not have to pay for your course upfront You can get a loan to cover the cost of your tuition which you start to repay once you have left university and are earning over £25,000 per year Currently any monies still owed after 30 years will be written off.

Living Costs

Maintenance Loan Students who live away from their parental home and study at a university outside London can borrow up to £8,700 per annum to help with living costs. Students who live in the parental home whilst studying can expect to borrow up to £7,324.

Please note these rates will differ for students on a Nursing, Nursing & Social Work, Midwifery or ODP course, students aged over 60 at the start of their course and for students with an entitlement to certain benefits. For further information refer to our Money Matters webpages edgehill.ac.uk/moneymatters. All eligible students from England studying for their first undergraduate degree, regardless of household income, can receive the basic maintenance loan of up to £3,224 per annum. The difference between the basic loan and the maximum loan is means-tested, based on household income.

Maintenance loans are paid directly into your bank account in three instalments over the academic year.

Some students may be entitled to additional grants and other forms of financial support (eg. Disabled Students Allowance). Further information is available at gov.uk/student-finance.

Studying Away from Parental Home (outside London) Household income

Maximum Maintenance Loan available

Summary of support for living costs (Student Finance England rates) Studying Whilst Living at Parental Home (outside London) Household income

Maximum Maintenance Loan available

£25,000

£8,700

£25,000

£7,324

£35,000

£7,452

£35,000

£6,090

£30,000 £40,000 £42,875 £45,000 £50,000 £55,000

£60,000 £62,215 £65,000

£8,076 £6,828 £6,469 £6,204 £5,579 £4,955

£4,331 £4,054 £4,054

£30,000 £40,000 £42,875 £45,000 £50,000 £55,000

£58,215 £60,000 £65,000

£6,707 £5,473 £5,118

£4,855 £4,238 £3,621 £3,224 £3,224 £3,224

Please note all figures have been rounded down to the nearest £1 in line with the amounts published by the Government.

i i

gov.uk/student-finance

edgehill.ac.uk/moneymatters

Funding and application processes vary depending on whether you normally reside in England, Wales, Scotland, Northern Ireland or the EU. To make an application please visit:

Student Finance England 0300 100 0607 www.gov.uk/student-finance Student Finance Wales 0300 200 4050 www.studentfinancewales.co.uk Student Finance Northern Ireland 0300 100 0077 www.studentfinanceni.co.uk Student Awards Agency for Scotland 0300 555 0505 www.saas.gov.uk Student Finance EU 0141 243 3570 www.gov.uk/student-finance

Top Tips for Completing Your Student Finance Application -

No need to wait for an offer from a university – apply for funding as early as possible. You will be able to apply online from the end of February onwards. Complete your application using your preferred university and course. You can always change these at a later date. Ensure that your application form relates to the correct academic year - it is also important that you choose the correct mode of study: full or part-time.

Your name must match exactly with your UCAS application, failure to do so could delay your first maintenance loan payment.

Select the correct course and level – have your UCAS course code to hand. If you are studying a PCGE, ODP or Nursing course there are several start dates, be sure to select carefully.

Respond to any request for supporting documentation quickly – we recommend that you send your documents to Student Finance by recorded delivery and track the delivery.

Don't forget to send off your signed declaration if required. Once your application is approved you will receive an entitlement letter (confirming your maintenance loan), and this may include a declaration form. You can also print a copy of the declaration via your online account once you have submitted your application. We recommend that you send your declaration form by recorded delivery. Enrol on the scheduled day or as soon as possible afterwards – the first instalment of your maintenance loan payment will only be made directly into your bank account on the first day of term or 3-5 days after you have registered, whichever is the later.

Delays in making your application, accidently applying in the wrong academic year, selecting the wrong course, abbreviating your name and/or not returning your declaration, if required, will mean you won’t receive your funding in time for when you start.

How to apply for funding

Repaying Loans

How loan repayments work

When you’ve completed your course, the tuition fee loans and maintenance loans you have requested throughout your studies will be added together as one total, which you will be required to repay to the Student Loans Company.

You will only be required to repay this from the April after you have graduated (or left university) and are earning over £25,000 per annum. If your earnings fall below £25,000 in the future, your repayments will stop until your earnings exceed the repayment threshold. The more you earn over £25,000 per annum, the more you will repay. Repayments are calculated at 9% of earnings over £25,000. Loan repayments will be deducted from your salary at source (usually through PAYE).

Currently any loans which remain outstanding after 30 years will be written off. Typical monthly repayments will be: Salary

Amount of salary from which 9% will be deducted

Monthly repayment

£25,000

£0

£35,000

£10,000

£75

£30,000 £40,000 £45,000 £50,000 £55,000 £60,000

£5,000

£15,000 £20,000 £25,000 £30,000 £35,000

£37 £112

£150 £187 £225 £262

A nominal rate of interest is charged on student loans. For students who begin their studies in 2018, the Government has set out the following interest rates:

Interest on your loan will be applied at inflation (Retail Price Index – RPI) plus 3% while you are studying, and up to the April after you leave university From the April after you leave university, if you are earning £25,000 per annum or less, interest will be applied at the rate of inflation For graduates earning between £25,000-£45,000 per annum, interest will be applied between RPI and RPI +3% on a gradual increasing scale depending on income For graduates earning above £45,000, interest will be applied at RPI + 3%

No early repayment charges will be made.

Previous Higher Education Study (excluding PGCE)

The number of years you are able to receive student funding is limited. Previous study includes time spent on a full-time higher education course or any specifically designated public funded higher education course, whether or not it is in the UK. Even if you attended for just one day of an academic year this is counted as a whole year in terms of your funding entitlement.

If you have previous study, regardless of how far back this dates, it could mean that you may not qualify for a full tuition fee loan, and will be required to self-fund all or part of your course.

If you have achieved a lower level qualification i.e. HNC, HND, Cert HE, DipHe, or Foundation Degree, full fee and maintenance support should still be available to top-up your qualification. However, time spent on preliminary courses will be taken into account in assessing your financial entitlement.

Please note that the regulations are complicated and you should seek advice about previous study as soon as your place is confirmed. Detailed information on previous study is available at edgehill.ac.uk/previousstudy and you can also contact the Fees, Scholarships and Bursaries Team on TuitionFees@edgehill.ac.uk for further information.

Rates of interest

Worth ÂŁ1,000 and paid over the first year of a full-time undergraduate degree. The High Achievers Scholarship rewards high performing school leavers who achieve 144 UCAS points from a maximum of three final A2 (or equivalent) grades in one sitting in the last three years and submit their UCAS application by the UCAS deadline. For entry in 2018 this is grades awarded from 1 September 2015. A combination of suitable A-Level/BTEC grades is permissible, including two BTEC 90 Credit Diplomas achieved in different subjects, however a single BTEC 90 Credit Diploma will not be accepted in combination with other qualifications

Eligibility Applicants must have submitted their UCAS application to a full-time undergraduate degree or full-time foundation degree at Edge Hill University by the UCAS deadline. The High Achievers Scholarship is open to Edge Hill University applicants domiciled in the UK, EU, Isle of Man or Channel Islands and is payable subject to registration on programme.

How do I apply? Students will be assessed automatically during their application to Edge Hill University.

Liverpool Scholarship

Worth ÂŁ3,000 and paid over the first year of a full-time undergraduate degree. The Liverpool Scholarship will be granted to the student with the highest UCAS tariff score attained from a maximum of three A Levels (or equivalent), achieved in one sitting, awarded from 1 September 2015 onwards and who is domiciled at the point of application in the City of Liverpool within postcodes L1-L20 or L24-L28 and have been a permanent resident in the Liverpool City Council area for a minimum of 12 months.

Eligibility Applicants must have submitted their UCAS application to a full-time undergraduate degree or full-time foundation degree at Edge Hill University by the UCAS deadline.

How do I apply? Students will be assessed automatically during their application to Edge Hill.

Should more than one student achieve the same tariff score, the Scholarship will be divided equally amongst the highest scoring candidates.

High Achievers Scholarship

Scholarships

Excellence Scholarship

If you've applied to Edge Hill University for full-time study on a foundation programme, undergraduate degree or PGCE, you could make a substantial difference to your student life and finances by applying for an Excellence Scholarship worth up to ÂŁ2,000 which will be paid over the duration of your course. If you can demonstrate determination, commitment and achievement to any area outside of your work or study, we want to hear from you.

Eligibility Excellence Scholarships are available to prospective foundation, undergraduate or PGCE full-time students who have firmly accepted an offer of a place. Eligibility for this scholarships does not depend on your financial situation, academic attainment or degree subject.

How do I apply? Application forms for the Excellence Scholarships will be available at: edgehill.ac.uk/scholarships in 2018. Applications will be reviewed by a selection panel who will decide who to award. Please note that applications usually close in the May before you start at Edge Hill.

Sports Scholarships

If you are talented at sport, participate at a competitive level or coach and can demonstrate the ability and ambition to improve in your sport during your time at Edge Hill University, then we want to hear from you.

How do I apply? Application forms for the Sports Scholarships will be available at edgehill.ac.uk/scholarships in 2018. Applications will be reviewed by a selection panel who will decide who to award. Please note that applications usually close in the May before you start at Edge Hill.

Edge Hill University offers a variety of scholarships for students who are already enrolled on selected courses.

Excellence Scholarships are worth up to £2,000. They reward determination, commitment and achievement in a variety of areas. These scholarships are application based.

Nomination Scholarships are worth £2,000. They recognise contribution to the University and are by nomination only.

Academic Achievement Awards of £1,00 are paid to the best performing first and second year students whilst on their course, in recognition of high attainment.

Student Opportunity Fund

Current students can apply for up to £2,000 to support a career-enhancing project, activity or opportunity that will enrich their student experience and enable them to stand out in a competitive environment.

Other Scholarships and Support

Care Leavers Bursaries Up to £1,000 per annum for care leavers on any full-time or part-time undergraduate programme, subject to eligibility.

Preparation for HE Scholarships Open to students undertaking one of the University’s Access programmes (Fastrack) who subsequently enrol on a full-time undergraduate degree course. These are awarded by nomination for commitment in the face of adversity, and are worth £1,000.

Helena Kennedy Scholarships Open to applicants for any full-time undergraduate programme by personal application to the Helena Kennedy Foundation; awarded annually on the basis of hardship/disadvantage. Please refer to www.hkf.org.uk.

You can view all our Scholarships on the University’s website edgehill.ac.uk/scholarships.

Contact

T: 01695 657245 E: scholarships@edgehill.ac.uk

On-Course and Nomination Scholarships

Iqra Ali

BSc (Hons) Operating Department Practice

Iqra was awarded one of our Excellence Scholarships for her dedication to helping young people and the local community. As well as studying for her degree, Iqra is the Campaign Officer for the Youth Focus North West steering group. Iqra stood for election as a Member of the UK Youth Parliament and was involved in a project looking at the effects of changes in services on young people in the North. As a member of the Rochdale Borough Youth Cabinet, Iqra created a film, Whisper in the Ear, which looks at the different issues affecting young people. The film was broadcast on ITV and is used in schools and colleges to start conversations around mental health and wellbeing.

Travis Frain

BA (Hons) History with Politics

Travisâ&#x20AC;&#x2122; volunteering efforts have been awarded with an Excellence Scholarship in recognition of the time he has given to make a significant difference to the lives of other people.

He has volunteered in a wide range of roles from teaching elderly members of the community how to use the latest technology to reconnect with family, to teaching children who might face issues transitioning from Primary to Secondary education in Summer Schools, and flying out to Uganda to teach Maths, English and Sport in the Acholi Quarter Slums of Kampala. For the past six months Travis has relied on the support of charities after being caught up in the Westminster terror attack and found that there is very little support for victims and survivors. This was the catalyst for him becoming a Trustee for the Tim Parry Johnathan Ball Peace Foundation.

Summary of financial support available by course: Tuition Fee Loan

Maintenance Loan (total amount based on household income)

Supplementary Grants (Parents Learning Allowance, Childcare Grant, Dependents Allowance)

High Achievers Scholarship

Excellence Scholarship and Sport Scholarship

Undergraduate Courses



 full-time students only



PGCE Courses



 full-time students only



 full-time students only

 subject to criteria set by NCTL*

Course

NCTL Bursary

*Teaching Agency Bursaries (for PGCE students)

Students who satisfy the criteria set by the National College for Teaching and Leadership (NCTL) will be eligible for a monthly bursary for the set duration of their studies. If you are eligible for a bursary you will receive information during your enrolment session. Please refer to www.education.gov.uk/get-into-teaching for further information.

Support for Students Starting in 2018 Funding

How much?

Tuition Fee Loan

Up to £9,250 per year

Maintenance Loan

Up to £8,700 (£7,324 for those living at home)

High Achievers £1,000 Scholarship

Assessed against household income?

Available for part-time students?













Excellence Scholarship

Up to £2,000

Care Leavers Bursary

£1,000 for full-time  students. £500 for part-time students (each year)

Helena Kennedy Scholarship

Refer to www.hkf.org.uk



Is there a How will the cap on the money be number paid? available?

Directly  (subject to to the previous university study)  (subject to previous study)

Will the money have to be paid back? 

In three  instalments to your bank account

In two instalments across your first year

In instalments throughout your programme

One instalment



Paid directly  from the Helena Kennedy Foundation

Funding

How much?

Preparation for HE Scholarship

£1,000

Sports Scholarship

Up to £1,000 per year

Available for part-time students?

Is there a How will the cap on the money be number paid? available?









In two instalments across your first year In instalments per year

Will the money have to be paid back? 



Some students may also be eligible for additional forms of support including Disabled Students’ Allowance, Parents’ Learning Allowance, Adult Dependents Grant or Childcare Grants. Please check gov.uk/student-finance for further information. All payments are made subject to full registration on course.

Assessed against household income?

Do I have to pay my tuition fees up front? No, as long as you have not been to university before and meet the residency conditions you should be eligible to take a loan out (via Student Finance) to cover the cost of your fees.

Will the amount of the loan I receive for fees depend on how much my family earn? No, the tuition fee loan is not assessed against household income. This means that regardless of what your parents or partner earns you should still be eligible for the tuition fee loan (subject to the conditions above).

What if I have been to university before and already hold a degree? If you already have a degree you may not be able to apply for loans for a second degree, although there are certain courses which are exempt from this legislation. Please get in touch with the Fees, Scholarships and Bursaries Team in Academic Registry who will be able to offer further advice and guidance. You can find their contact details on page 26.

I have been to university before but didn’t finish my course. Will I still be eligible for all my funding? Your previous study may have an impact on funding for a new course, speak to the Fees, Scholarships and Bursaries Team in Academic Registry. You can find their contact details on page 26.

I am thinking of applying for a nursing course, will I have to pay fees? Yes, you will have to pay fees, however you should be entitled to take out a loan (via Student Finance) to cover the cost of your fees.

I am a part-time student; will I have to pay my fees up front? Part-time students will be eligible for tuition fee loans as long as they are studying at least 25% of an eligible full-time course. The Government plans to introduce a new part-time maintenance loan for students starting a degree level course in the 2018/19 academic year, which may be determined by household income and course intensity.

I don’t live in England how will I fund university? Students from Scotland, Wales, Northern Ireland and Islands will be able to apply for support for tuition fees and living costs through their devolved governments. Students who are ordinarily resident in the EEA and Switzerland, and have been for three years prior to the start of the course, will be entitled to apply for tuition fee loans on the same basis as English students. EU students generally can’t apply for loans for living costs however there are exceptions. Please refer to gov.uk/student-finance.

Paying Fees

Frequently asked questions

Can I take out a tuition fee loan for each year of my course? Yes, most full and part-time students will be able to apply for loans for each year of their course (subject to previous study and residency conditions).

Will the tuition fee loan I can apply for be enough to cover the full fee? Yes, the tuition fee loan will cover your full tuition fee and will be paid direct to Edge Hill.

Can I self-fund my studies? You may pay your tuition fee securely up front at enrolment via payments.edgehill.ac.uk/fees. Alternatively, you may, with agreement from Academic Registry, pay your tuition fee in three equal instalments. Arrangements will be discussed and agreed at enrolment.

Living Costs and Maintenance Loans

Will I be entitled to apply for help with my living costs? Yes, most part-time and full-time undergraduates can also apply for a maintenance loan to help cover their living costs. You can take out a maintenance loan for each year of your course (subject to eligibility). Some students may be entitled to additional support. See gov.uk/student-finance for more information.

How much maintenance loan will I be entitled to? The amount of maintenance loan you can apply for will depend on your household income and where you are going to live whilst studying, the course on which you are studying, whether you are aged over 60 at the start of your course, and whether you have an entitlement to certain benefits before starting your course. Students living in the parental home can apply for up to ÂŁ7,324 and students living away from the parental home can apply for up to ÂŁ8,700.

My household income is high, does this mean I wonâ&#x20AC;&#x2122;t qualify for a maintenance loan? No, all students should receive a non-income assessed portion of the loan regardless of household income (subject to residency and previous study criteria).

What can I use this money for? The maintenance loan is designed to help meet your living costs including food, accommodation and travel. The money is paid to you in three instalments over the academic year.

When can I apply for this support? If you are starting a full-time course in September 2018 it is expected you should be able to apply for your funding in early 2018. To apply go to gov.uk/student-finance. Part-time students should be able to apply in May/June 2018.

When will these loans have to be repaid? You won’t have to start repaying your loans until the April after you leave university and are earning at least £25,000 per year. Part-time students will be required to start making repayments four years after starting the course if they are earning over £25,000 per year. For all students the repayments are calculated at 9% of your earnings above £25,000. What if I don’t earn over £25,000 when I finish university? If you earn less than £25,000 when you finish studying and start work you won’t start making repayments until your income goes above the threshold. Similarly, if your salary ever drops below £25,000 for any reason your repayments will stop.

Will I be repaying the loan until all the debt is cleared? Not necessarily, as mentioned earlier if your salary drops below £25,000 the repayments will stop. Currently if you haven’t repaid all of the loan within 30 years, anything you still owe is written off.

Non-repayable Funding

Will I be entitled to any grants? Students can also apply for a Childcare Grant, Adult Dependants’ Grant and Parents’ Learning Allowance. All of these grants will be assessed against household income and are applied for through the relevant student funding body. Students may also qualify for a Disabled Students Allowance, dependent upon a recognised disability and assessment of study needs. Edge Hill also have a wide variety of scholarships available to eligible students, a full list of all the funding available can be seen in the table on pages 19 and 20.

Part-time Students

I am a part-time student will I be eligible for loans and grants? From 2018, part-time students may qualify for both maintenance loans and tuition fee loans. Details will be available at edgehill.ac.uk/moneymatters once they have been finalised.

Scholarships

When will I find out if I will get the High Achievers Scholarship? Once you have enrolled on your programme, all eligible students will be notified in writing in the Autumn term of 2018. The Scholarship will be paid in two instalments in February 2019 and June 2019, subject to full registration on course.

When do I need to submit my Excellence Scholarship Application? Our Excellence Scholarships open for application in 2018 on our website: edgehill.ac.uk/scholarships. Please note that applications usually close in the May before you start at Edge Hill.

Repaying Loans

Edge Hill Tuition Fees (Academic Registry) E: tuitionfees@edgehill.ac.uk T: 01695 657359 Edge Hill Scholarships edgehill.ac.uk/scholarships E: scholarships@edgehill.ac.uk T: 01695 657245 Student Finance England www.gov.uk/student-finance T: 0300 100 0607

Student Finance Wales www.studentfinancewales.co.uk T: 0300 200 4050

Student Finance Northern Ireland www.studentfinanceni.co.uk T: 0300 100 0077

Student Awards Agency for Scotland (SAAS) www.saas.gov.uk T: 0300 555 0505

Information regarding NHS financial support www.nhsbsa.nhs.uk/students T: 0300 300 1345

Students’ Union Advice Centre E: suadvice@edgehill.ac.uk T: 01695 657301

Useful Information

Search for ‘Student Finance’ www.thestudentroom.co.uk/studentfinance

Edge Hill Money Advice Team edgehill.ac.uk/moneymatters E: moneyadvice@edgehill.ac.uk T: 01695 657250

Useful Contacts

Edge Hill University St Helens Road Ormskirk Lancashire L39 4QP United Kingdom

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Printed: January 2018