financial support guide 2012-2013

financial support2012-2013

FOR FULL TIME UNDERGRADUATE UK amp EU STUDENTS

Now the top modern University in Britain and shortlisted for the University of the year a degree from Robert Gordon University is aS close to a guaranteed job as you can getTHE SUNDAY TIMES UNIVERSITY GUIDE 2011

the professional university | 1

CONTENTS

INTRODUCTION 4

HOWTOAPPLYFORSTUDENTSUPPORT 6

STUDENTSFROMSCOTLAND 8TuitionFees 9StudentLoans 10YoungStudentsrsquoBursary 14IndependentStudentsrsquoBursary 16SupplementaryGrants 18Previousstudyrepeatyears 20

STUDENTSFROMENGLANDWALESANDNORTHERNIRELAND 22TuitionFeesampTuitionFeeLoans 23MaintenanceLoans 24MaintenanceAwards 30SupplementaryGrants 32Previousstudyrepeatyears 32

ALLIEDHEALTHPROFESSION(AHP)COURSES 34 BScHonsNutritionandDietetics BScHonsDiagnosticRadiography BScHonsOccupationalTherapy BScHonsPhysiotherapy

2 | your Career starts here

NURSINGCOURSES

EUSTUDENTS

HOWTOPAYTUITIONFEES

ACCOMMODATION

STUDENTSWITHDISABILITIES

CHILDCARESUPPORT

TAXCREDITS

DISCRETIONARYFUND

EMERGENCYLOANFUND

TEMPORARYLOANS

SCHOLARSHIPS

ALTERNATIVESOURCESOFFUNDING

WHATYOUNEEDTODOBEFOREENROLMENT

CONTACTS

CONTENTS

36

38

40

42

46

47

48

48

48

48

50

52

54

55



introduction

this leaflet is an important and valuable guide to help you deal with the financial aspects of studying at robert Gordon university in session 2012-2013

Outlined in this guide is general information on how to apply for financial support towards the costs of studying at Robert Gordon University Further details can be obtained from Scottish and EU students wwwsaasgovuk Students from England wwwdirectgovukstudentfinance Students from Wales wwwstudentfinancewalescouk Students from Northern Ireland wwwstudentfinancenicoukItisimportantthatyouapplyforallyoursupportattheearliestpossibledateeitherwithaconditionalorunconditionalofferIfyouapplylateyoumaynotgetthefinancialsupportyouareentitledtointimeforthestartofthesessionStudentsfromScotlandandEUstudentscanapplyfromAprilonwardsandstudentsfromEnglandWalesandNorthernIrelandcanapplyfromJanuaryonwardsattheappropriatewebsite




scottish students should apply to the student award agency for scotland (saas) for fees bursary student loan and supplementary grants online at wwwsaasgovuk from mid april onwards

HOW TO APPLY FOR STUDENT SUPPORT

EU students should apply online to the Student Award Agency for Scotland (SAAS) for the payment of tuition fees atwwwsaasgovukfrom mid April onwards

Application to SAAS can be made with a conditional or unconditional offer of a place Do not wait for exam results If your course or institution details change you can easily change or cancel your application by contacting SAAS

To ensure funding from SAAS is in place at the start of your course you should apply by 30th June 2012 The closing date for SAAS receiving applications for session 2012-13 is 31st March 2013 Students applying after this date will not receive any financial support including the payment of tuition fees


students from england northern ireland and Wales can apply online at Student Finance England wwwdirectgovukstudentfinance Student Finance Northern Ireland wwwstudentfinancenicouk Student Finance Wales wwwstudentfinancewalescouk You should note that if you receive a late offer SAASStudent Finance cannot guarantee that notification of any contribution due towards tuition fees andor living costs will be available at the start of the session

IMPORTANT AN APPLICATION FOR SUPPORT IS VALID FOR ONE ACADEMIC SESSION ONLY CONTINUING STUDENTS MUST MAKE A SEPARATE FORMAL APPLICATION EACH YEAR OF THEIR COURSE WITHIN THE APPROPRIATE TIMESCALE

In order to qualify for support for tuition fees and living costs you have to be eligible as well as having been offered a place on an acceptable course The final decision on whether or not you are eligible rests with SAASStudent Finance

To meet the residency requirements (to be a lsquohomersquo student) you must have been ordinarily resident in the British Isles for the 3 years immediately preceding the academic year in which the course begins but not for the purposes of education


STUDENTS FROM SCOTLAND


TUITION FEES

saas will pay tuition fees for most scottish domiciled and eu students studying an undergraduate course in scotland students who are not eligible to have fees paid by saas will be liable to pay the tuition fee of pound1820 to the university

YOU MUST SUBMIT AN APPLICATION TO SAAS FOR PAYMENT OF TUITION FEES EACH YEAR OF YOUR COURSE OR YOU WILL BE LIABLE FOR THE FULL AMOUNT

10 | your Career starts here10 | your Career starts here

STUDENT LOANS

students will be assisted with their living costs by way of a student loan how much you can borrow will depend on your level of income and if this applies your parentsrsquo husbandrsquos wifersquos civil partnerrsquos partnerrsquos parentrsquos partnerrsquos step parentrsquos income the rates are reviewed annually before the start of the academic year the maximum loan will be lower in the final year of your course as the loan does not cover the summer holiday in that year students can apply to saas for a student loan at the same time as payment of tuition fees

Eligibility for a loan

To be eligible for a loan a student must bebull a lsquohomersquo student on a full-time

undergraduate course

bull not be in breach of any obligation to repay any loan

bull under the age of 50 at the commencement of your course OR aged 50 to 54 and be able to show that you intend to return to employment after completing the course

bull have a valid National Insurance Number

If you are under 16 when you start your course SAAS cannot assess your entitlement to a student loan However you can apply for your loan at the same time as other support you are entitled to (fees and bursary) When you turn 16 your loan entitlement will be assessed and information sent to the SLC The SLC will set up your loan account and send you a Payment Schedule letter to tell you how and when they will pay your loan

loan ratEs

The table opposite shows the amounts for a course that lasts for 30 weeks Extra payments will be paid for each week you have to study over 30 weeks and 3 days The extra payments are income-assessed and are pound56 if you stay at home and pound85 if you stay away from home

the professional university | 11the professional university | 11

If you are eligible for the Young or Independent Studentsrsquo Bursary this will replace part of your loan support

Students who have applied for a student loan but have not taken out their full entitlement will be able to make one lsquotop-uprsquo application during the academic year Students should contact the Student Loans Company directly regarding this

additional loan

There is an additional loan of up to pound810 available to all students who have a household income of less than pound22789 You do not get the additional loan if you are on a paid placement or are not eligible for tuition fee payment

How tHE loan is paid

Your loan will be paid in monthly instalments on the 7th of each month during term-time with a first double payment on the first day of the course If you apply for your loan on time and enrol in advance of the course start date you should expect to receive your first instalment directly into your bank account on the first day of your course or within 3 to 4

working days after you have enrolled if you enrol on or after the start date If you apply for your loan later in the academic year your loan will be back-dated from the start date of your course until the time your application is processed and then paid monthly thereafter

If you wish to apply for a loan you must do so through SAAS either online at the same time as applying for tuition fees or if later by completing the appropriate application form (AB1) available from SAAS or the University SAAS will forward to the Student Loans Company all the information it needs to set up a loan account in your name and make payment of the loan

If you have received a Payment Schedule letter from SLC and the first instalment of your loan is not paid into your bank account on the date specified on the letter you should contact RGUrsquos Student Finance team The team are in the process of moving offices so please check wwwrguacukstudentfinance for the most up-to-date contact details

How your EntitlEmEnt will bE notifiEd

As soon as your application has been processed SAAS will send you an Award Notice giving details of the support you are to receive for the academic year This letter will state that you should take it to the Universityndashwe do not require this unless we specifically ask to see it At the same time as sending you this they will notify the SLC of your loan entitlement who will set up your loan account and send you a Payment Schedule Letter giving details of instalment amounts and payment dates

FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home

pound620 pound4585 pound495 pound4105

Staying away from home



Repaying the loanThe amount to be paid back will depend on the amount borrowed plus the interest charged Interest is applied to the student loan from the moment you receive your first payment until your loan is paid off in full Interest will be linked to inflation and is adjusted each year in line with the Retail Price Index (RPI) - so the value of the amount you pay back will be about the same in real terms as the value of the amount you borrowed This will apply as long as the loan lasts and will include any time when you are not studying or not repaying the loan as well as when you are repaying the loan

Repayment will not begin until the April after you complete or otherwise leave your course Repayments will only be sought once your income is more than pound15795 a year Payments will be made through the Inland Revenue and will begin automatically once your income reaches the appropriate level

The amount you have to repay each year will be 9 of your annual income over pound15795 (figure for 2012) ie the first pound15795 of income will be disregarded and you will repay 9 of your income above that level The level of repayments will rise directly in line with your income Repayment will not be over a fixed period The length of time over which you will repay will depend on your income and on the total amount you have borrowed Repayment will normally continue until you have paid off the full amount Whether or not you repay the whole amount you have borrowed will depend on your income For example if your income remained below pound15795 a year gross throughout your working lifetime you would not have to make any repayments Loans will be cancelled if not repaid 25 years after they became eligible to be repaid

The table below shows the repayments which you would make at different income levels

Incomeeachyear

MarginalIncomeOverpound15795

Repayments(9)

Yearly Monthly Weekly

Up to pound15795 Nil Nil Nil Nil

pound17000 pound1205 pound180 pound15 pound3





You can make extra voluntary payments direct to SLC to repay your loan quicker

Further details about student loans repaying your loan and the interest rate can be found on the SLC website at wwwstudentloanrepaymentcouk



YOUNG STUDENTSrsquo BURSARY (YSB)

students under 25 and who are not married not in a civil partnership agreement not living with a partner or not self-supporting may be eligible for a young studentsrsquo Bursary if they are from a household on low income a maximum bursary of pound2640 will be made if the household income is pound19310 a year or less the bursary is paid instead of part of the student loan therefore reducing the amount of loan you need to take out

If your household income is over pound34195 a year you will not qualify for a Young Studentsrsquo Bursary and your living cost support will be entirely through a student loan The amount of loan available will go down as household income goes up The higher the household income the more of a contribution the parents need to make to support their children


Income YSB Loan HouseholdContribution

AdditionalLoan

Total

pound18000 pound2640 pound2930 - pound810 pound6380


pound23000 pound1986 pound3584 - - pound5570

pound26000 pound1453 pound3880 pound237 - pound5570



pound35000 - pound4333 pound1237 - pound5570






Application should be made to SAAS at the same time as applying for the payment of tuition fees You must indicate on your application if you wish to be considered for this bursary ndash you will not automatically be considered

If you have received support from UK or other EU public funds for a course of higher education before or you have to repeat a year of your course you may not be eligible for this bursary Also if your course requires you to undertake a period of paid placement you will not be able to claim this bursary during that time You will however be eligible for a student loan

The table below gives examples of entitlement at various income levels


INDEPENDENT STUDENTSrsquo BURSARY (ISB)if you are an independent student you may be eligible for the independent studentsrsquo Bursary students must be eligible for the full standard rate of tuition fees from saas to be eligible for the bursary

There are a number of conditions you must meet to be classed as independent In general if you are over 25 are married in a civil partnership or living with a partner or your parents are no longer alive you meet the criteria Full details are available on the SAAS website at wwwsaasgovuk

The amount of bursary available will depend on the level of your household income

If your household income is low the bursary will be given instead of part of the student loan so it reduces the amount of loan you can take out The bursary does not have to be paid back The highest amount available is pound1000 if your household income is pound19310 or less a year or if you are single The bursary will go down to zero for a household income of pound34195 a year

If your household income is over pound34195 a year you will not qualify for an Independent Studentsrsquo Bursary and your living cost support will be entirely through a student loan The amount of loan available will go down as household income goes up




Income ISB LoanHousehold

ContributionAdditional

LoanTotal














SUPPLEMENTARY GRANTSextra support may be available depending on your personal circumstances you may be eligible for the following additional grants

dEpEndantsrsquo grant

This income-assessed grant may be claimed for your husband wife civil partner or partner You cannot claim this grant for another student If your husband wife civil partner or partner has any income this may affect your entitlement The maximum amount available is pound2640 You cannot claim this grant for children but you could be entitled to more money through tax credits Anyone who is responsible for at least one child whether or not they are in paid work can apply for Child Tax Credit Child Tax Credit will also passport free school meals provided by your Local Education Authority

lonE parEntsrsquo grant

You can claim this income-assessed grant if you are single widowed divorced separated or your civil partnership has dissolved and you are bringing up children on your own If you have at least one dependent child extra support is available either as an extra grant of pound1305 or by SAAS giving you more allowances against your income


CarE lEaVErsrsquo grant

This grant can pay up to pound105 a week to help with accommodation costs in the long holiday if you were previously in care It is paid from SAAS directly to your landlord

If you were in care on your 16th birthday or afterwards for at least 3 months and you are under 21 at the start of your course or were in care when you finished your compulsory schooling you may be eligible for this grant You should tell SAAS when making your application if you think you are entitled to this grant and they will send you a form asking for more details

Application for supplementary grants should be made to SAAS Further information on all of these are available at their website at wwwsaasgovuk

disablEd studEntsrsquo allowanCE (dsa)

If you have a disability or learning difficulty you may claim for certain extra expenses which arise because you are on a course You can claim for items such as tapes Braille paper extra photocopying charges equipment eg personal computer Braille printer or note-taker portable loop or radio aid Non-medical help is also available eg to pay for readers for people with sight difficulties sign language interpreters note-takers helpers for people in wheelchairs

Further details regarding DSA can be obtained from the SAAS website at wwwsaasgovuk or from our Disability amp Dyslexia Service - see the section on Students with Disabilities


PREVIOUS STUDYREPEAT YEARS

rEpEat yEar

if a student has to repeat a year of their course saas will only consider paying the tuition fee for the repeat year if the reason for repeating is for medical or strong compassionate reasons the student would have to pay fees for the repeat year and would only be eligible for a student loan and any supplementary grants they were previously eligible for but would not be eligible for any young or independent studentsrsquo Bursary or additional loan

studEnts witH an Hnd gaining Entry to a dEgrEE CoursE

Students who have obtained an HND and who are given direct entry into year 2 or 3 of a degree course will receive the full support they are eligible for from SAAS for the duration of the degree course

Students who enter into year 1 of a degree course after having studied an HND will not receive the payment of tuition fees for the first year of the degree course nor if otherwise eligible the Young Studentsrsquo Bursary Independent Studentsrsquo Bursary and Additional Loan They will only receive the student loan and any supplementary grants they are eligible for eg lone parent grant etc


CHangE of CoursE

If a student decides to change course during year 1 of their course SAAS will support the student for the duration of the new course This is called a false start and is only available once

If a student decides to change course after year 1 SAAS will not pay tuition fees for the amount of years they paid fees for the first course nor will the student be eligible for the Young Studentsrsquo Bursary Independent Studentsrsquo Bursary or Additional Loan which they may previously have been eligible for For example if a student completed 2 years of a course then changed course and began again at year 1 the student would have to pay fees for years 1 and 2 of the new course and SAAS would pay the final years They would be eligible for a student loan and any supplementary grants for the duration of the new course but not eligible for any Young Studentsrsquo Bursary Independent Studentsrsquo Bursary or Additional Loan they may previously have been eligible for years 1 and 2 of the new course

sECond dEgrEE

Students who have already completed a degree course will not be eligible for tuition fee support nor any bursaries for the 2nd degree course You will be eligible for a student loan


STUDENTS FROM ENGLAND WALES AND Northern Ireland full details on all student support available for students from england Wales and northern ireland is available at the following websites -

England wwwdirectgovukstudentfinance

Wales wwwstudentfinancewalescouk

Northern Ireland wwwstudentfinancenicouk


TUITION FEES

rGu has adopted a tiered approach with three bands of undergraduate fees reflecting the fact that some courses cost more to deliver than others for example those involving laboratory or studio work versus classroom teaching

The University is also looking to establish a schemefor scholarships and bursaries eligible to allstudents including students from England Wales and Northern Ireland and will present plans in due course

tuition fEE loans

Full-time undergraduate students will not have to pay fees before they start University or whilst they are studying Instead students will be able to apply for a Student Loan for Fees to cover these costs The Student Loans Company will pay fees directly to the University on their behalf Students will repay these loans once they have left University ndash see lsquoRepaying the Loanrsquo section Students wishing to take out a Student Loan for Fees should apply online at the appropriate Student Finance website

Band Course FeeYear

PlacementYear

Band 1 Business ManagementSocial Science

pound5000 pound2500

Band 2 Art amp Design Architecture

amp Built EnvironmentComputingEngineeringHealth and

Science

pound6750 pound3375

Band 3 Pharmacy pound8500 na ndash no placement

incorporated into MPharm


Maximumloan

Students from England pound5500

Students from Wales pound4745

Students from Northern Ireland

pound4840

MAINTENANCE LOANSMaintenance loans are available to help with accommodation and other living costs

To be eligible for a Maintenance Loan a student must be

bull a lsquohomersquo student on a full-time undergraduate course

bull under the age of 60 when you start your course

Students wishing to take out a student loan to cover living costs should apply online at the appropriate Student Finance website

The table below shows the maximum loan rates available for session 2012-2013 The amount you can get depends on your household income The amounts are lower in the final year of the course as the loan does not cover the summer holiday in that year



Your loan will be paid in three equal instalments If you apply for your loan on time you should expect to receive your first instalment directly into your bank account on the start date of your course if you enrol in advance or within 3 to 4 working days after you have enrolled if you enrol on or after the start date Second and third instalments will be January and April respectively and will also be paid directly into your bank account If you apply for your loan later in the academic year your loan will be paid in either one two or three instalments depending on when you apply

If you wish to apply for a loan you should apply to your appropriate Student Finance at their website who will forward to the Student Loans Company all the information it needs to set up a loan account in your name and make payment of the loan

If you have received a Payment Schedule letter from SLC and your loan is not in your bank on the date specified on the letter you should contact Student Finance

Please refer to wwwrguacukstudentfinance for the most up-to-date contact details


As soon as your application has been processed your appropriate Student Finance will send you an award letter giving details of any contributions you must make towards tuition fees your maximum loan entitlement details of any bursarysupplementary grant payments to be made and the level of any assessed parentalspouse contribution for the academic year At the same time they will notify SLC of your loan entitlement who will set up your loan account and send you a loan payment schedule detailing instalment amounts and payment dates


REPAYING THE LOAN

studEnts from England and walEs

the amount to be paid back will depend on the amount borrowed plus the interest charged interest is applied to the student loan from the moment you receive your first payment until your loan is paid off in full the amount of interest charged will vary depending on your circumstances ndash see table below interest is applied for as long as the loan lasts and will include any time when you are not studying or not repaying the loan as well as when you are repaying the loan

Under new repayment arrangements for 201213 you wonrsquot have to start making repayments until 2016 even if you finish or leave your course earlier Repayments will only be sought once your income is more than pound21000 a year Payments will be made through the Inland Revenue and will begin automatically once your income reaches the appropriate level

The amount you have to repay each year will be 9 of your annual income over pound21000 ie the first pound21000 of income will be disregarded and you will repay 9 of your income above that level The level of repayments will rise directly in line with your income Repayment will not be over a fixed period The length of time over which you will repay will depend on your income and on the total amount you have borrowed Repayment will normally continue until you have paid off the full amount Whether or not you repay the whole amount you have borrowed will depend on your income For example if your income remained below pound21000 a year gross throughout your working lifetime you would not have to make any repayments Any outstanding balance is written off after 30 years


IncomeeachyearMarginalIncomeOver

pound21000

Repayments(9)






InterestRate

While you are studying Retail Price Index (RPI) plus 3

If you finish or leave your course before April 2016

RPI plus 3 until the April after you leave your course and then RPI

From April 2016 Interest will be based on your income pound21000 or less RPIpound21001 to pound41000 RPI plus up to 3 depending on your incomepound41001 and over RPI plus 3



You can make extra voluntary payments direct to SLC to repay your loan quickerinterest rate


studEnts from nortHErn irEland

the amount to be paid back will depend on the amount borrowed plus the interest charged interest is applied to the student loan from the moment you receive your first payment until your loan is paid off in full interest will be linked to inflation and is adjusted each year in line with the retail price index (rpi) - so the value of the amount you pay back will be about the same in real terms as the value of the amount you borrowed this will apply as long as the loan lasts and will include any time when you are not studying or not repaying the loan as well as when you are repaying the loan


The amount you have to repay each year will be 9 of your annual income over the relevant earnings threshold The threshold in 2012 will be pound15795 and this figure will increase in line with inflation each year The level of repayments will rise directly in line with your income Repayment will not be over a fixed period The length of time over which you will repay will depend on your income and on the total amount you have borrowed Repayment will normally continue until you have paid off the full amount Whether or not you repay the whole amount you have borrowed will depend on your income For example if your income remained below pound15795 a year gross throughout your working lifetime you would not have to make any repayments Any outstanding loan balance that remains unpaid after 25 years will be written off



pound15795

Repayments(9)












studEnts from England

maintEnanCE grant

Students can apply for a Maintenance Grant The maximum amount available is pound3250 per year and how much you will get will depend on your household income The grant is paid in three instalments and does not have to be paid back This grant is paid instead of part of the Student Loan therefore reducing the amount of student loan available

HouseholdIncome MaintenanceGrant

pound25000 pound3250



pound40000 pound523

Over pound42600 no grant

Further details available at wwwdirectgovukstudentfinance

MAINTENANCE AWARDS

The table below is a guide as to how much you could get towards accommodation and living costs through the Maintenance Grant


studEnts from walEs

assEmbly lEarning grant (alg)

Students can apply for an Assembly Learning Grant (ALG) The maximum amount available is pound5000 per year and how much you will get will depend on your household income The grant is paid in three instalments and does not have to be paid back This grant is paid in substitution for an element of the Student Loan for maintenance This means that your eligibility for a Student Loan will be reduced by up to the amount of grant you receive

The table below is a guide as to how much you could get towards accommodation and living costs through the ALG

Householdincome AssemblyLearningGrant MaintenanceLoan

pound18370 pound5000 pound1901







Further details at wwwstudentfinancewalescouk


studEnts from nortHErn irEland maintEnanCE grant

Students can apply for a Maintenance Grant The maximum amount available is pound3475 per year and how much you will get will depend on your household income The grant is paid in three instalments and does not have to be paid back This grant is paid in substitution for an element of the Student Loan for maintenance This means your eligibility for a Student Loan will be reduced by up to the amount of grant you receive


Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50

over pound41065 No grant

supplEmEntary grants

Youmaybeeligibleforthefollowingadditionalgrants

Disabled Studentsrsquo Allowance

Adult Dependantsrsquo Grant

Parents Learning Allowance

Childcare Grant

Lone Parent Grant

Vacation Grant for Care Leavers

The extra support available will depend on your personal circumstances You do not have to repay these grants unless you loose entitlement to them

Further details available at the appropriate Student Finance website

prEVious studyrEpEat yEars

Depending on the circumstances you may receive funding if you have to repeat a year of your course or if you change your course If you have already completed a degree course you will not receive any support for a second degree course You should contact the appropriate Student Finance website for details

Further details at wwwstudentfinancenicouk



ALLIED HEALTH PROFESSION (AHP) COURSESthere are special arrangements in place for support for students who are undertaking a degree course in allied health professions at robert Gordon university the following courses come under this category

BSc Hons Nutrition and Dietetics

BSc Hons Diagnostic Radiography

BSc Hons Occupational Therapy

BSc Hons Physiotherapy

For payment of tuition fees and an income-assessed Scottish Executive Health Department bursary students from Scotland England Wales and Northern Ireland should apply online to SAAS at wwwsaasgovuk

For a student loan students from Scotland should apply to SAAS and students from England Wales and Northern Ireland should apply to Student Finance - Student Finance England wwwdirectgovukstudentfinanceStudent Finance Northern Ireland wwwstudentfinancenicouk

Student Finance Wales wwwstudentfinancewalescouk

EU students are eligible for the payment of tuition fees only ie they are not eligible for any student loan or bursary


The table below shows the maximum bursary and student loan ratesIncome-AssessedBursary

Nonincome-

Assessedloan

MaximumTotal

Support

StudentsfromScotland

Students living at home pound1865 pound1790 pound3655

Students living away from home pound2455 pound2330 pound4785

StudentsfromEngland pound2455 pound2324 pound4779

StudentsfromWales pound2455 pound2324 pound4779

StudentsfromNorthernIreland pound2455 pound2370 pound4825

The table below gives an idea of the support you might get depending on your circumstances The example is given for students living away from home on a course lasting 30 weeks and not in the final year Rates will differ for students in their final year

Details on the assessed contribution for students whose husband wife civil partner or partnerrsquos income is taken into consideration is available on the SAAS website at wwwsaasgovuk

Incomeafterdeductions AssessedParentalContribution HealthcareBursary

pound15000 - pound2455






praCtiCal plaCEmEnt ExpEnsEs

If you have to go on a practical placement away from University and you have extra travel or accommodation costs you may receive assistance with these from SAAS

Placement expenses are income-assessed and the amount SAAS will pay depends on your your parentsrsquo or husbandrsquos wifersquos civil partnerrsquos or partnerrsquos income The maximum amount students can claim for accommodation is up to pound1008 each day for placements during term-time and pound857 each day for placements during the summer You should complete form AB24 which can be downloaded from the SAAS website


NURSING COURSESassistance available to students undertaking the Bachelor of nursing or Midwifery course is a non income-assessed bursary only - students on these courses are not eligible for student loans a young studentsrsquo Bursary or an independent studentsrsquo Bursary the annual rate for students commencing in session 201112 was pound6578 the bursary is paid monthly directly into the studentrsquos bank account students should ensure saas have their bank details

dEpEndantsrsquo allowanCE You can apply for an allowance for your husband wife civil partner or partner and for any child you are legally responsible for

singlE parEntsrsquo allowanCEYou may be entitled to an extra allowance of pound1305 if you are single widowed divorced separated or no longer live with a partner and bringing up children on your own

CHildCarE allowanCE for parEnts The childcare allowance is payable to any student who is a parent and wants to claim formal childcare costs If you have to pay all or part of the cost for registered or formal childcare you can receive up to pound1216 a year depending on the cost of childcare lsquoFormalrsquo childcare includes childminders after-school clubs and providers of day-care and education

disablEd studEntsrsquo allowanCE (dsa) If you have a disability you may be eligible to claim for certain extra expenses you have to pay because you are on the course Further details can be obtained from our Disability amp Dyslexia Service (see section Students with Disabilities) or from SAAS


ExpEnsEs for CliniCal plaCEmEnt Clinical placement is the part of the course that consists of supervised practice in clinical areas You can claim expenses for some extra travel and reasonable accommodation costs

Travel costs can be claimed on the basis of the cheapest fare You should take advantage of season tickets zone cards and student railcards wherever possible If you claim more than the cheapest fare available your claim will be restricted to the cheapest fare The amount of your normal daily travelling costs to University will be deducted (but no more than pound5 a day) from the costs of placement travel and the difference will be paid

If you must live away from your term time address because of your placement you may reclaim extra board or lodgings charges up to a maximum of pound25 per night For further details on all support available for nursing students visit the SAAS website wwwsaasgovuk


EU STUDENTS

tuition fEEs

eu students studying in scotland will not normally have to pay tuition fees students should apply to the student awards agency for scotland (saas) for these fees to be paid application should be made online at wwwsaasgovuk from mid-april onwards

Students who miss the SAAS deadline date for payment of tuition fees will become liable for payment of the fee of pound1820 to the University

An application MUST be submitted to SAAS each year

Students who have successfully completed a degree with government support from any EU member state will NOT be eligible to apply to SAAS for tuition fee support for any subsequent course at a similar or lower level

EU students are NOT eligible for any student loans bursaries or maintenance awards from SAAS

Students from Ireland should contact their local education authority to enquire whether there are any maintenance grants available to them

Students from other EU countries should contact their own education authoritygovernment to enquire about any possible financial assistance



HOW TO PAY TUITION FEES

options aVailablE

if you have to pay some or all of your tuition fees yourself there are two ways you can organise payment

payment in one lump sum Payment by this method should be made before or during online enrolment If your contribution has not been confirmed prior to enrolment you will not have to make any payment at enrolment The payment will be due as soon as your contribution is confirmed

payment by instalments If you have to pay a contribution of more than pound800 towards your tuition fees you can opt to pay by instalments

i) Payment in two instalments 50 at or before enrolment 50 by direct debit on 1st February

ii) Payment in four instalments 40 at or before enrolment

20 by direct debit on 1st December 20 by direct debit on 1st January

20 by direct debit on 1st February


Your first payment will be due at enrolment and you must pay online by creditdebit card The remaining instalments can be paid by one of the following options

bull Cash ndash at the Student Info Zone See wwwrguacuk for details

bull Cheque ndash sent to Student Finance clearly stating the student name and student ID number on the reverse of the cheque

bull CreditDebit Card ndash either as part of the online enrolment process or by telephone 01224 262664

bull Direct Transfer to the University bank account You must quote the name of the student and the student ID number as a reference or we will not be able to identify your payment

Account Name Robert Gordon University

Bank Bank of Scotland 39 Albyn Place Aberdeen AB10 1YN

Sort Code 80-05-14

Account No 06003836

If paying by instalments you must ensure that you have funds in place to pay the instalment amount on the due date


ACCOMMODATIONall flats are self-contained and self-catering with capacity for 3-8 students each student has their own study bedroom while kitchen and living areas are shared some of the accommodation is en-suite whilst the remainder has shared washing and toilet facilities


Accommodation Costs University Accommodation

Location LeaseLength WeeklyPrice TotalPrice

WoolmanhillStandard room 40 weeks pound8850 pound3540

WoolmanhillEn-suite room 40 weeks pound10300 pound4120

GarthdeeRoundTowerEn-suite shower 40 weeks pound9350 pound3740

GarthdeeSquareTowerEn-suite shower 40 weeks pound9500 pound3800

LinksfieldRosemountampStPetersStandard room 40 weeks pound10000 pound4000

LinksfieldRosemountampStPetersEn-suite room 40 weeks pound10900 pound4360

ArdmuirProperties 50 weeks pound10600 pound5300

RamsayDevelopmentSingle en-suite room

40 weeks 50 weeks

pound12500pound11700

pound5000pound5850

CrathieDevelopmentSingle en-suite room

40 weeks 50 weeks


pound4800pound5850



CraigievarDevelopmentOne bedroom flat single occupancy

50 weeks pound170 pound8500

CraigievarDevelopmentOne bedroom flat twindouble occupancy


CraigievarCrescentSingle room 50 weeks pound94 pound4700

CraigievarCrescentTwin room 50 weeks pound6250 pound3125

DeeViewSingle standard room 50 weeks pound8750 pound4375

DeeViewTwin standard room 50 weeks pound6250 pound3125

DeeViewTwin en-suite room 50 weeks pound7250 pound3625

EastLodgeWestLodgeSingle standard room 50 weeks pound100 pound5000

58SchoolhillSingle standard room 50 weeks pound100 pound5000

EastLodgeNorwoodHallSingle standard room 50 weeks pound115 pound5750

EastLodgeNorwoodHallSingle en-suite room 50 weeks pound125 pound6250

137GarthdeeRoad Large single standard Medium single standard Twindouble standard

50 weeks 50 weeks 50 weeks

pound115pound95pound90


89CraigievarCrescentSingle standardTwin standard

50 weeks 50 weeks

pound94pound6250


204MorrisonDriveSingle standard


80GarthdeeRoadSingle standard


461GreatWesternRoadSingle standardTwin standardTwin standard plus




unihoMes aCCoMMoDation




















50 weeks 50 weeks

pound94pound6250











Twin plus is a twin room with individual sleeping rooms accessed by a joining door

Please note that the cost of utilities at Craigievar Development is not included in the rent

In addition to the above costs a non refundable registrationreservation fee of pound120 is payable for all accommodation payable when accepting an offer of accommodation

paymEnt options

The following payment options are available ndash

bull in full on acceptance of the offer of accommodation

bull 8 monthly instalments ndash October to May

bull 3 instalments for 40 week leases ndash October January and April

bull 4 instalments for 50 week leases ndash October January April and June

Further details regarding accommodation can be obtained at wwwrguacukaccommodationT +44 (0)1224 2621292131 Emailaccommodationrguacuk


STUDENTS WITH DISABILITIESthe Disability amp Dyslexia service provides individual students with arrangements to suit their specific needs and to ensure that they receive the necessary support students receive advice on the kind of support that will benefit them during their time at university arrangements can also be made for students with mobility difficulties who may need to travel between sites


DSA is designed to meet any additional study-related costs that may arise for disabled students DSA is not income-assessed but needs assessed Before you can apply for DSA the Student Awards Agency for Scotland (SAAS) or your education authority will require an Assessment of Needs report and evidence of your impairment or specific learning difficulty An Assessment of Needs will cover all aspects of your University studies and make recommendations to remove any barriers to your learning The Service is validated by the Scottish Government to undertake these assessments

For more information regarding support for students with disabilities contact our Disability amp Dyslexia Service Tel +44 (0)1224 262103 Email disabilityrguacuk wwwrguacukstudentservicesdisability


CHILDCARE SUPPORT CHildCarE fund

The Childcare Fund is available to lsquohomersquo UK students on full-time undergraduate courses to help towards the cost of registered or formal childcare ndash formal childcare includes childminders after school clubs day care sitter services and providers of pre-school and education

EU students and students studying Nursing and Midwifery courses are not eligible for assistance from this Fund

Students on AHP courses and students who are not eligible for the payment of their tuition fees are not eligible but may be considered for a Childcare Allowance for registered or formal childcare ndash a maximum of pound1215 is available Consideration for assistance for additional childcare costs can be considered from the Discretionary Fund

Awards are discretionary and are based on personal and financial circumstances Not all students who are eligible to apply for support from this Fund will be assisted as the Fund is limited Students who are successful will have their award paid in monthly instalments throughout the academic year In most cases

payment will be made direct to the childcare provider Payments made are additional to any loan entitlement and students must apply for their full loan entitlement before assistance is given from the Fund

Application for assistance from this Fund should be made directly to the University Further details and application forms are available from the University Info Zone from Student Finance or email studentfinancerguacuk

Scottish students who are widowed divorced separated or single with at least one dependant child may be eligible for the Lone Parentsrsquo Grant from SAAS Further details can be obtained from the SAAS website at wwwsaasgovuk

Students from England Wales and Northern Ireland are eligible to apply for childcare grants Details can be obtained from the appropriate student finance website Students who are eligible for this support are not eligible to apply for assistance from the Childcare Fund

Students with children may also receive support through the Tax Credits Refer to the Tax Credits section of this leaflet


tax CrEdits

Students and their families could receive more money through the tax credits Students with children are entitled to claim Child Tax Credit which the Inland Revenue will pay to those who are responsible for at least one child whether or not they are in paid work Students who work more than 16 hours a week could also be eligible for Working Tax Credit Extra help is also available to those who have a disability or who are caring for children with a disability Further information on tax credits are available at wwwhmrcgovukor by calling the HM Revenue and Customs helpline on 0345 300 3900

disCrEtionary fund

The Discretionary Fund is money allocated to the University to assist students in financial difficulty to continue their studies Before applying to the fund students must have taken out their full student loan entitlement All lsquohomersquo students undergraduate and postgraduate full and part time are eligible to apply Further details from Student Finance

EmErgEnCy loan fund

The University operates a temporary interest-free loan service to all full-time students Students can borrow small amounts from the Fund which must be repaid within an agreed period of time Application is made through Student Finance

tEmporary loans

Temporary loans are available for students who are in financial difficulty at the beginning of the session due to a delay in their student loan andor maintenance awards Application is made through Student Finance



SCHOLARSHIPS

at rGu we recognise that being a student can be expensive thatrsquos why we offer a range of scholarships Winning a scholarship can be an great way of boosting your income leaving you free to concentrate on your studies itrsquos also an excellent way to gain practical experience through the industry mentoring and placement opportunities which many of our corporate scholarships offer

Below we have detailed some of the scholarships that we offer

Scholarships open to students in any year of study

RGU SPORT offers a number of Sports Scholarships to promising sports men and women to support them in developing their talents and succeeding in their chosen sporting field whilst undertaking academic study Financial assistance is awarded to support travel training equipment and competition expenses Further details can be obtained at wwwrguacukrgusport

scholarships open to year 1 students

bull Talisman Engineering Scholarship

bull Talisman Management Scholarship

bull Technip Engineering Scholarship

bull Wood Group Engineering Scholarship


bull AMEC Scholarship

bull Bureau Veritas Scholarship

bull Petrofac Business Scholarship

bull Petrofac Engineering Scholarship

bull Sparrows Offshore Scholarship

bull Technip Surveying Scholarship

bull Kongsberg Maritime Scholarship

bull Total Computing Scholarship



bull KCA Deutag Business Scholarship

bull KCA Deutag Engineering Scholarship

bull FMC Technologies Engineering Scholarship

bull The Fiona Fuller Business Scholarship (sponsored by Atkins)


bull Total Scholarship

bull Zenith Engineering Scholarship

Further details on all our scholarships are available on our website at wwwrguacukscholarships


family aCtion

Family Action offers a range of services providing information on funding They specialise in funding from charitable trusts and maintain a database of trusts and charities that assist students They also administer over 30 educational trusts themselves giving small grants to students who study at institutions that are affiliated to their service ndash Robert Gordon University is an affiliated member To find out if you are eligible for any of these or another grant making trust you can do an educational grant search at wwwfamily-actionorgukeducationalgrantssearch

tHE sutHErland pagE trust

Open to full time students who have successfully completed the first year of their course Eligible courses include Medicine Law Arts Divinity or Science Only students who were born in Scotland or who have at least one parent born in Scotland or who have been resident in Scotland for at least three continuous years prior to entry to a Scottish university are eligible to apply Applications are normally available early October with a closing date in November Forms can be obtained from the Student Info Zone

HoriZons EduCation fund

This fund is available to lone parents living in the UK on a low income with sole responsibility for dependent children Applicants must be British citizens or have refugee status indefinite leave to remain discretionary leave to remain or have been granted humanitarian protection Grants are awarded to help with expenses associated with a course of education or training such as fees books equipment travel and childcare Each applicantrsquos circumstances are assessed individually The amount of the grant should be between minimum pound500 to a maximum of pound1000 per year

Application is normally made in October Further details available at wwwyourhorizonscomeducation-advice-for-lone-parents

ALTERNATIVE SOURCES OF FUNDING


CarnEgiE trust

fee assistance

Students attending or accepted for a first degree course at a Scottish university who were born in Scotland or who have a parent born in Scotland or who have at least three years of secondary education in Scotland and whose fees are not being paid by any other body may apply for assistance with fees To be eligible they must also demonstrate that they would suffer hardship if assistance was not given No other form of assistance is available and applicants must satisfy the Trustees that they could support themselves or be supported if assistance were given Assistance will not be given with fees for postgraduate study Applications will be considered between 1st April and 1st October in the year of commencement of study Further information available at wwwcarnegie-trustorg

lEVErHulmE tradE CHaritiEs trust

The Leverhulme Trade Charities Trust offer bursaries to students who have an immediate family member who iswas a commercial traveller chemist or grocer Funds are for maintenance tuition fees travel study materials accommodation childcare costs etc Students should be undertaking a first degree course in the UK Further details are available at their website at wwwleverhulme-tradeorguk

tHE royal CalEdonian sCHools trust

The Royal Caledonian Schools Trust can assist the children of a Scot who has served or is serving in the Armed Forces Assistance can be given for living costs books and equipment and additional fees Further details are available at their website at wwwrcstorguk

EnHanCEd lEarning CrEdits administration sErViCEs (ElCas)

The MoDrsquos Enhanced Learning Credits Scheme (ELC) is an initiative to promote lifelong learning amongst members of the Armed Forces The ELC scheme provides financial support in the form of a single up-front payment in each of a maximum of three separate financial years Further information is available at wwwenhancedlearningcreditscom

trust funds

The following websites may be useful-

bullwwwfamily-actionorguk

bullwwwscholarship-searchorguk

bullwwwsupport4learningorguk

bullwwwacforguk


WHAT YOU NEED TO DO BEFORE ENROLMENTWhenyoustartatUniversityyouwantthingstogoassmoothlyaspossibleThesenoteswillhelpyoumakesureyouarefullypreparedforthefinancialaspectsofyourenrolmentatUniversity

bull If you wish to apply for assistance with tuition fees from SAAS or your education authority or if you need a student loan or are eligible for a bursary - APPLY NOW

bull If you have to pay some or all of your tuition fees and want to set up an instalment plan you can do this as part of the online enrolment process

bull If when you enrol you have yet to receive confirmation from SAAS your education authority or other funding body of the amount you are due to pay in fees you will still be allowed to enrol No payment is required at enrolment if your contribution has not been confirmed If however later in the session SAAS your education authority or other funding body have not confirmed your tuition fees are to be paid by them you will be liable for the amount due

NOTES At enrolment you will be asked to confirm how your tuition fees are being paid whether or not this has been confirmed ie SAASeducation authority funded self-funded or part self-funded It is essential that you are aware of these facts before you enrol

Scottish students will receive an Award Notice from SAAS which states that they should take this to the University - we do not require to see this unless we ask for it


CONTACTSstudent support enquiriesFor loans bursaries funds etc Student Finance T (0)1224 2621276 studentfinancerguacukwwwrguacukstudentfinance

Course fee enquiries For payment of tuition feesinstalment options Student Finance T (0)1224 262664studentfinancerguacukwwwrguacukstudentfinance student accommodation service T (0)1224 2621292131accommodationrguacuk wwwrguacukaccommodation

Disability amp Dyslexia service T (0)1224 262103disabilityrguacuk wwwrguacukstudentservicesdisability

student info Zone Refer to wwwrguacuk for contact details

Scottish and EU students can obtain further information on funding available from

Student Awards Agency for Scotland (SAAS)Gyleview House3 Redheughs RiggEdinburgh EH12 9HHT 0300 555 0505wwwsaasgovuk

CONTACTSStudents from England Wales and Northern Ireland should contact the appropriate education authority or visit one of the following websites

students from england wwwdirectgovukstudentfinanceT 0845 300 5090

students from Wales wwwstudentfinancewalescoukT 0845 602 8845

students from northern irelandwwwstudentfinancenicoukT 0845 600 0662

The Student Loans Company (SLC) administers the payments of loans and is responsible for keeping details of your account sending annual statements and answering questions about your loan If you have any queries about your individual loan account you should contact them directly

student loans Company100 Bothwell StreetGlasgow G2 7JDT 0845 026 2019wwwslccouk

This brochure was produced by Student Finance to assist students in session 2012-2013 While every effort has been made to ensure that the information is correct the University cannot accept any liability for changes in legislation or regulations made after the date of going to print or indeed any inaccuracies or errors in the leaflet

the professional university | BE

BF | your Career starts here

Like us on Facebook at wwwfacebookcomrobertgordonuniversity

Follow us on Twitter at wwwtwittercomrobertgordonuni

Watch us on YouTube wwwyoutubecomrobertgordonuni

CONTACT US t +44 (0)1224 2621276

e studentfinancerguacuk visit wwwrguacuk

wwwrguacukstudentfinance

Now the top modern University in Britain and shortlisted for the University of the year a degree from Robert Gordon University is aS close to a guaranteed job as you can getTHE SUNDAY TIMES UNIVERSITY GUIDE 2011


CONTENTS

INTRODUCTION 4






NURSINGCOURSES

EUSTUDENTS

HOWTOPAYTUITIONFEES

ACCOMMODATION


CHILDCARESUPPORT

TAXCREDITS

DISCRETIONARYFUND

EMERGENCYLOANFUND

TEMPORARYLOANS

SCHOLARSHIPS



CONTACTS

CONTENTS

36

38

40

42

46

47

48

48

48

48

50

52

54

55



introduction



















TUITION FEES




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




CONTENTS

INTRODUCTION 4






NURSINGCOURSES

EUSTUDENTS

HOWTOPAYTUITIONFEES

ACCOMMODATION


CHILDCARESUPPORT

TAXCREDITS

DISCRETIONARYFUND

EMERGENCYLOANFUND

TEMPORARYLOANS

SCHOLARSHIPS



CONTACTS

CONTENTS

36

38

40

42

46

47

48

48

48

48

50

52

54

55



introduction



















TUITION FEES




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




NURSINGCOURSES

EUSTUDENTS

HOWTOPAYTUITIONFEES

ACCOMMODATION


CHILDCARESUPPORT

TAXCREDITS

DISCRETIONARYFUND

EMERGENCYLOANFUND

TEMPORARYLOANS

SCHOLARSHIPS



CONTACTS

CONTENTS

36

38

40

42

46

47

48

48

48

48

50

52

54

55



introduction



















TUITION FEES




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276





introduction



















TUITION FEES




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276


















TUITION FEES




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




STUDENT LOANS









loan ratEs





additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276






additional loan









FullYear FinalYear

Min Loan

Max Loan

Min Loan

Max Loan

Staying at home









Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276








Incomeeachyear


Repayments(9)

















AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276










AdditionalLoan

Total



























LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276














LoanTotal





























rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276



















rEpEat yEar






CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




CHangE of CoursE



sECond dEgrEE








TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276









TUITION FEES



tuition fEE loans


Band Course FeeYear

PlacementYear


pound5000 pound2500



Science

pound6750 pound3375




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




Maximumloan




pound4840
















REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276












REPAYING THE LOAN







pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276





pound21000

Repayments(9)






InterestRate















pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276










pound15795

Repayments(9)













maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276





maintEnanCE grant






pound40000 pound523



MAINTENANCE AWARDS



studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




studEnts from walEs

















Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276







Householdincome

MaintenanceGrant



pound35000 pound689

pound41065 pound50







Childcare Grant

Lone Parent Grant




















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276
















Nonincome-

Assessedloan

MaximumTotal

Support






























EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276














EU STUDENTS

tuition fEEs











options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276






options aVailablE
















Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276











Sort Code 80-05-14

Account No 06003836















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276
















40 weeks 50 weeks


pound5000pound5850


40 weeks 50 weeks


pound4800pound5850





















50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276























50 weeks 50 weeks

pound94pound6250






























50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276






















50 weeks 50 weeks

pound94pound6250














paymEnt options
























tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




















tax CrEdits


disCrEtionary fund


EmErgEnCy loan fund


tEmporary loans




SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276





SCHOLARSHIPS






























family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276














family aCtion









CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276




CarnEgiE trust

fee assistance








trust funds





bullwwwacforguk



























CONTACT US t +44 (0)1224 2621276





























CONTACT US t +44 (0)1224 2621276



financial support guide 2012-2013

Documents

modern university

robert gordon university

times university guide

student supporteu students

herescottish students

scotland saas

student award agency

student loan