This document is also available in pdf format (792k)
This information sheet explains the fee and living cost arrangements for young students who normally live and plan to study full-time in Scotland
You are classed as a young student if, on the first day of the first academic year of your course, you:
- are under 25; and
- are not married or entered into a Civil Partnership; and
- have not supported yourself from earnings or benefits for 3 years.
Full-time eligible Scottish students and EU citizens studying in Scotland`
- do not have to pay fees
- fees are paid by the Student Awards Agency for Scotland ( SAAS)
- but you need to apply to SAAS to have your fees paid.
Eligible students studying in Scotland are entitled to a student loan which is income assessed. This means that the amount of loan depends on your parents' income and your own 'unearned' income. The amount of loan also depends on where you live during
An additional loan of up to £560 is available to young students from families with an income below £20,225.
Young Students' Bursary - the maximum bursary of £2,455 a year will be paid to you if your family income is £17,940, this tapers down to zero if your family income is over £31,775. The bursary replaces part of the student loan.
Student Loan and Bursary Support for 2006-07
Students living in a hall of residence or elsewhere
Students living in the parental home
The table below shows the approximate amounts for various income groups for 2006-07 based on the living away from home rate.
Annual parental income
To get an estimate of how much loan and bursary you can get use the calculator on the SAAS website at www.saas.gov.uk/services/enquiries/suppCalc.jsp
Allied Health Professions
Students on degree courses in the allied health professions have different funding arrangements consisting of an income assessed Scottish Executive Health Department Bursary and a non income assessed loan. If you think you may be one of these students you should contact SAAS for further information.
The relevant courses are:
- speech and language therapy
- occupational therapy
- dental hygiene
Dentistry and Medicine
Students on degree courses in dentistry and medicine are entitled to the same student support package as most other students in years 1 to 4. In years 5 and later, you are entitled to the Scottish Executive Health Department Bursary.
Students living in hall of residence or elsewhere
Students living in the parental home
Nursing and Midwifery
All eligible students get a bursary. If you are taking the four-year honours degree course and you are eligible for the bursary, you will get the full bursary rate in years 1 to 3 and 75% bursary for year 4. The table below shows the amount of bursary you may receive.
Health Department Bursary for 2006-07
Years 1 to 3
Under 26 at the start of the course
26 or over at the start of the course
In addition you may also be eligible for a childcare allowance and clinical placement expenses. Contact SAAS for further information.
Students can apply for help with the cost of daily travel to their college or university. If you live away from home, you may claim three return journeys each session to and from your term-time residence, in addition to term-time travel to and from your institution. There is a maximum amount payable to eligible students.
Travel expense claim forms are supplied to institutions in December each year and can be downloaded from the SAAS website. Completed forms should be sent to SAAS as soon as possible after the end of the first term.
Some students will be entitled to extra help through non-repayable supplementary grants. All these are income assessed except Disabled Students' Allowance.
- Dependants' Grant of up to £2,455 if you have responsibility for a dependent adult.
- Lone Parent's Grant of £1,210 if you are a lone parent student; and
- Lone Parent's Childcare Grant of up to £1,130 if you need extra help with your formal childcare costs.
- Childcare Fund support from this fund is discretionary, administered by institutions themselves, and is only available to meet the costs of formal/registered childcare. You should contact your university or college for more information.
- Students Leaving Care - this grant of £100 helps students who were previously in care with accommodation costs in the long vacation.
- Disabled Students' Allowance - if you have a disability or learning difficulty you may claim for certain expenses which arise because you are on a course.
Students who have particular financial difficulty can apply for assistance from their institution's Hardship Fund. Your institution is responsible for deciding who gets help and how much. You must have taken out your full loan entitlement before you can receive this help.
You must apply for your fees, loan, supplementary grants, travel expenses and bursary through SAAS. Application forms are available on the SAAS website www.saas.gov.uk as well as from your college and university. If you have any questions about your eligibility or about payment of fees, bursaries and supplementary grants, please contact SAAS on 0845 111 1711 or e-mail firstname.lastname@example.org
Repaying Your Student Loan
You start repaying your student loan in the April after you have completed or left your course. The amount you repay is linked to your income. You do not have to repay anything if your income is £15,000 or less.
Over the £15,000 threshold level your repayments will rise and fall in line with your income. Examples of repayments are given below.
Your annual gross income
Income over £15,000
How to Repay Your Loan?
The Student Loan Company ( SLC) works with the HM Revenue and Customs ( HMRC) to collect repayments. They are deducted at source by your employer and shown on your pay statement. Repayments are collected from self-employed people through HMRC self-assessment system. SLC make alternative arrangements to collect repayments direct from borrowers who are outside the UK tax system.
Student loans do not attract the same rates of interest that you are charged if you take out a loan from a bank or building society. Interest on the amount of student loan owed is linked to inflation - in line with the Retail Price Index ( RPI) - so the value of the loan when you pay it back is the same in real terms as when you borrowed it.
What is the Graduate Endowment?
The Graduate Endowment is a fixed amount that graduates are liable to pay, after they have completed their degree. The funds raised from the Graduate Endowment are used to provide student support, including bursaries, for future generations of disadvantaged students. Some graduates are exempt from the Graduate Endowment. You can get further details from the SAAS website.
How much is the Graduate Endowment?
The amount of Graduate Endowment payable by students who entered a degree in academic year
2005-06, is £2,216. For all new liable students in
2006-07 the amount will increase by the rate of inflation.
How to Pay the Graduate Endowment
You will not be asked to pay the Graduate Endowment until the April after you have completed your degree. You can pay the Graduate Endowment in one of three ways:
- by taking out a student loan
- by paying a lump sum
- or a combination of both.
If you use the student loan system to repay your Graduate Endowment you do not have to make an additional monthly payment for this. The amount of your repayment each month is determined by your income not the value of the loan. Further details on this can be obtained from SAAS.
You can contact SAAS on 0845 111 1711 or email email@example.com or visit their website at www.saas.gov.uk