Your summary
Maintenance loan for 2026/27£8,512
With a household income of £40,000, away from home, outside london, you can borrow £8,512 a year for living costs, paid in three instalments of about £2,837. The most anyone in your situation can get is £10,830; the least is £5,048. Over a 3-year course with tuition fees of £9,790, you would borrow about £54,906 before interest.
£2,837 a termMeans-testedFees £9,790
THE COMPLETE PICTURE
Your results in detail
Loan a year£8,512
Each term£2,837
After 40 weeks' rent£2,112
Borrowed over 3 years£54,906
What we assumed
- Year
- 2026/27, Student Finance England, full-time
- Household income
- Above £25,000 the loan falls in a straight line to the minimum
- Not included
- Final-year rates, Long Courses Loan, grants and bursaries
Not right for you? Change it under More options.
Loan by household income
Away from home, outside London
Household incomeLoan
£25,000£10,830
£35,000£9,285
£45,000£7,739
£55,000£6,194
£65,000£5,048
£75,000£5,048
Where you live
At £40,000 household income.
| Item | Loan |
|---|---|
| Living with parents | £6,822 |
| Away from home, outside London | £8,512 |
| Away from home, in London | £11,777 |
| Studying abroad | £10,085 |
Worth knowing
Making it stretch.
Extra help
Ask your university about bursaries and hardship funds. Students with children or a disability can get grants that do not need to be repaid.
Estimate only. Student Finance England confirms your exact amount.