Quick answer: New undergraduates in England do not get a Maintenance Grant. GOV.UK says Maintenance Grants are no longer available if you started on or after 1 August 2016. The main support is a Tuition Fee Loan (paid to the university; not income-assessed) and a Maintenance Loan for living costs, which is income-assessed: the full amount in 2026/27 is available at household residual income of up to £25,000 (up to £14,135 in London). Extra, usually non-repayable help can include Disabled Students’ Allowance, Childcare Grant, Parents’ Learning Allowance and Adult Dependants’ Grant, plus university bursaries, scholarships and hardship funds — each university sets its own rules (GOV.UK: how you’re assessed and paid 2026 to 2027; GOV.UK: extra money from your university or college). Checked on 10 November 2026.
For students from low-income households, pursuing higher education can seem daunting due to the financial burden it often implies. However, the UK offers a plethora of funding options aimed specifically at alleviating these concerns. Understanding these options can make a significant difference, helping students access quality education without the stress of financial strain. This guide will explore various funding opportunities available for low-income households in the UK, focusing on scholarships, grants, and bursaries.
The need for education funding is more critical than ever, given the rising costs of university degrees. Fortunately, the UK government, universities, and private organisations have established a range of financial support mechanisms to assist students from financially disadvantaged backgrounds. With the right information and strategic planning, students can unlock these opportunities to fund their academic journey.
In this comprehensive guide, we will delve into the different types of support available, how to apply for them, and the benefits they offer. Whether you're a prospective student or a parent planning for your child’s future, understanding these funding avenues is crucial.
Student Finance England loans and grants (2026/27)
For new full-time undergraduates in England, government support is mainly loans, not a general maintenance grant. GOV.UK is explicit: “If you’re starting a course on or after 1 August 2016, you’ll be able to apply for a higher amount of Maintenance Loan, as Maintenance Grants are no longer available for new students.” Older “Maintenance Grant” or “Special Support Grant” figures (for example “up to £3,000”) do not apply to new 2026/27 applicants.
| Support | 2026/27 (England, official) | Income-assessed? |
|---|---|---|
| Tuition Fee Loan | Up to £9,790 a year for a full-time degree, paid to the university (GOV.UK: new full-time students) | No |
| Maintenance Loan (not on benefits) | Full loan at residual income up to £25,000: up to £14,135 in London, £10,830 away from home outside London, £9,118 living with parents | Yes, part of the loan |
| Disabled Students’ Allowance | Help with disability-related study costs (GOV.UK: Disabled Students’ Allowance) | No |
| Childcare Grant, Parents’ Learning Allowance, Adult Dependants’ Grant | Extra help if you have children or an adult dependant — see Student Finance for parents and Adult Dependants’ Grant | Yes |
| University bursaries, scholarships and hardship funds | Paid by your university or college; amounts and rules vary (GOV.UK: extra money from your university or college) | Set by the university |
Some students who get means-tested benefits may also qualify for a higher Maintenance Loan or a Special Support Element (this is not the old Special Support Grant). Use our free eligibility checker or contact AF Education — our help is free for UK home students. Household income is explained in more detail in how SFE assesses household income.
Exploring University Scholarships
Many UK universities offer scholarships to support students from low-income households. These scholarships can significantly reduce tuition fees and sometimes cover additional costs such as accommodation or study materials. Scholarships are typically awarded based on academic merit, financial need, or a combination of both.
GOV.UK says each university or college has its own rules about bursaries, scholarships and awards — who qualifies, how much you can get, and how to apply. Any money is paid by the university. Talk to student services once you have an offer, rather than relying on a figure from another year or another institution.
University bursaries and scholarships are usually non-repayable, but they sit alongside Student Finance England loans rather than replacing them. Check the official offer from the university and your SFE Notification of Entitlement.
Bursaries: Additional Financial Support
Bursaries are another crucial funding source for low-income students. Unlike scholarships, which are often merit-based, bursaries are typically awarded based on financial need. Universities and colleges set aside funds specifically to help students who might otherwise struggle financially.
For instance, the University of Edinburgh offers the Access Edinburgh Scholarship, which provides financial assistance to UK students from low-income households. Additionally, many institutions offer emergency bursaries to assist students facing unexpected financial difficulties during their studies.
Types of University Bursaries
Distribution of bursary types offered by UK universities.
Application Process for Funding
Research available funding options early. Use university websites and educational resources to gather information on grants, scholarships, and bursaries.
Prepare necessary documents. This may include proof of household income, academic records, and personal statements.
Submit applications before deadlines. Ensure that you complete all required fields and attach all necessary documents.
Follow up on your application. Contact the admissions office if you have not heard back within the expected time frame.
Applying for university funding requires careful planning and attention to detail. It's crucial to start the process early to ensure that you meet all deadlines and have ample time to prepare a strong application.
Additional Support Services
In addition to financial aid, universities often offer support services to help students from low-income backgrounds succeed. These services can include academic tutoring, career advice, and mentoring programs. Such resources are invaluable in ensuring students not only access higher education but thrive within it.
Many universities also have dedicated offices that provide advice on managing finances, securing housing, and balancing study with work commitments. These services can play a crucial role in supporting students throughout their university experience.
Warning: Always verify the legitimacy of funding offers and avoid scams promising guaranteed funding in exchange for fees.
FAQs about University Funding for Low-Income Households
Are there age restrictions for applying for grants and scholarships?
GOV.UK says there is no upper age limit for Tuition Fee Loans or grants. A Maintenance Loan has age rules (and if you are 60 or over you may get a smaller Loan for Living Costs instead). University scholarships can have their own age or course rules — always check the university’s page.
Can I apply for multiple types of funding simultaneously?
Yes. Apply for Student Finance England first (Tuition Fee Loan and Maintenance Loan, plus any dependants’ grants or DSA). University bursaries and hardship funds are usually a separate application through the university. You can hold both.
How do I prove my household income?
SFE normally uses the 2024 to 2025 tax year for a 2026/27 application, and will tell you what evidence to send. University bursaries may ask for the same kind of income evidence, or for your SFE Notification of Entitlement. See household income assessment and the documents checklist.
What happens if my financial situation changes during my studies?
If household income drops by 15% or more, ask SFE for a current-year income assessment. Also tell your university’s student funding or hardship team — their bursary rules are separate. See current-year income assessment.
Is it possible to receive full funding for my degree?
A Tuition Fee Loan can cover the full tuition fee for an eligible course, so you do not usually pay tuition upfront. Living costs are typically a Maintenance Loan, which you repay later, plus any university bursary, grant or hardship payment you are awarded. “Full funding” in the sense of a non-repayable package that covers everything is not the standard SFE offer.
Is there still a Maintenance Grant for new students in England?
No. GOV.UK says Maintenance Grants are no longer available for students starting on or after 1 August 2016. New students apply for a Maintenance Loan instead, which is income-assessed.
What household income counts as “low income” for the full Maintenance Loan?
In the official 2026/27 table, residual household income of up to £25,000 qualifies for the full Maintenance Loan. That is not a bursary cutoff — universities set their own income thresholds for scholarships and hardship funds.
Understanding and accessing university funding options can transform the educational prospects for students from low-income households. By exploring grants, scholarships, and bursaries, students can significantly reduce the financial burden of higher education and focus on achieving academic success.
If you're ready to take the next step towards a funded university degree, contact AF Education or check your eligibility free. You can also register your interest below.
