student finance 2016/17 a practitioner’s introduction
TRANSCRIPT
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STUDENT FINANCE 2016/17A PRACTITIONER’S INTRODUCTION
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SESSION CONTENTS
• The student finance package
• Part-time package
• Additional support
• NHS courses
• Student loan repayment
• Application information
• Resources
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THE STUDENT FINANCE PACKAGE 2016/17
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THE STUDENT FINANCE PACKAGESUPPORT AVAILABLE TO STUDENTS INCLUDES:
Bursaries & scholarships
Tuition fee support
Maintenance (living cost) support
Additional support
The
Student Finance
Package
Figures in this section may change, subject to 2016/17 policy approval.
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THE STUDENT FINANCE PACKAGE 2016/17MAINTENANCE SUPPORT
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TUITION FEESOVERVIEWTUITION FEESOVERVIEW
• Currently capped at £9,000 per year.
• The tuition fee will be decided by the university or college including if it charges different amounts for different courses.
• The average tuition fee for new students in 2015 was about £8,703.
• Students at private universities or colleges offering designated courses will be able to borrow up to £6,000* towards tuition costs.
*Students will have to self-fund any additional fee charged.
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TUITION FEESTUITION FEE SUPPORT
Tuition Fee Loan• a non means-tested fee loan of up to £3,900
Tuition Fee Grant• non means-tested Tuition Fee Grant to cover the difference between the
maximum Tuition Fee Loan available and the tuition fee actually charged by the university or college
• a maximum grant of £5,100 is available if a tuition fee of £9,000 is charged – non repayable
• grant and loan paid directly to university or college
For eligible Welsh students attending a full-time course at a publicly-funded UK university.
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THE STUDENT FINANCE PACKAGE 2016/17MAINTENANCE SUPPORT
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MAINTENANCE SUPPORTMAINTENANCE LOAN
• The majority of the repayable Maintenance Loan will be available to all eligible students. 75% of the total loan is non means tested (not based on household income).
• The amount of Maintenance Loan available will be linked to where a student lives and studies while in higher education.
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MAINTENANCE SUPPORTMAINTENANCE LOAN 2016/17 MAXIMUM RATES
Full-year student (*) 75% non means tested
25% means tested
Maximum loan
Parental home £3,590 £1,196 £4,786
Elsewhere £4,637 £1,546 £6,183
London £6,497 £2,165 £8,662
Overseas £5,529 £1,843 £7,372
(*) Slightly lower rates of support apply to final year students.!
An additional means-tested loan is available for each extra weekof study for students attending their course beyond 30 weeks.!
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MAINTENANCE SUPPORTWELSH GOVERNMENT LEARNING GRANT
• Non-repayable grant for 2016/17 is up to £5,161 (max).
• 100% means tested.
• Students from households with income of up to £18,370 will be entitled to the maximum £5,161
• Students from households with incomes of up to £50,020 will be entitled to a partial grant.
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MAINTENANCE SUPPORTCOMBINED SUPPORT:
Household income £ Welsh Gov Learning Grant Maintenance Loan Total
£18,370 & under £5,161 £3,603 £8,764
£20,000 £4,715 £3,826 £8,541
£25,000 £3,347 £4,510 £7,857
£26,500 £2,936 £4,715 £7,651
£30,000 £2,099 £5,134 £7,233
£34,000 £1,142 £5,612 £6,754
£40,000 £734 £5,816 £6,550
£45,000 £393 £5,987 £6,380
£50,020 £50 £6,158 £6,208
£50,753 £0 £6,183 £6,183
£58,484 (+) £0 £4,637 (+) £4,637
Students living away from home, outside London 2016/17
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MAINTENANCE SUPPORTFEE SUPPORT FOR OTHER COURSES
Course type(*)
Max Tuition Fee Loan
entitlement(publicly-funded uni or college)
Max Tuition Fee Grant
entitlement(publicly-funded uni
or college)
Max Tuition Fee Loan entitlement
(privately funded uni or college)
Max Maintenance
Loan
Sandwich Placement Year £1,800 £900 £1,200
Reduced Loan Sandwich Year
ERASMUS+ Scheme £1,350 £675 £900 Overseas Rate
Overseas Placement £1,350 £675 £900 Overseas Rate
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ADDITIONAL SUPPORT
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ADDITIONAL SUPPORTOVERVIEW
Extra money or support may be available to students if they:
• have children or adults dependent on them
• have a disability, including a mental-health condition or specific learning difficulty
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ADDITIONAL SUPPORTDISABLED STUDENTS’ ALLOWANCES (DSAs)
• Help towards the additional costs that a student may face as a result of their disability, including a mental-health condition or specific learning difficulty.
DSAs support:
• is available in addition to the standard student finance package
• Doesn’t have to be repaid
• is not affected by household income
• looks at the specific needs of the individual in relation to their disability and how it affects their studies
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ADDITIONAL SUPPORTDISABLED STUDENTS’ ALLOWANCES (DSA)
AllowancePart-time maximum support
Full-time maximum Support
Frequency of payment
Non-medical personal helper £15,885 £21,181 Annual
Specialist equipment £5,332 £5,332Duration of
course
Other disability-related expenditure £1,338 £1,785 Annual
Disability-related travelNo limit – reasonable spending can be
claimed
DSA rates 2016/17
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THE STUDENT FINANCE PACKAGESTUDENTS WITH DEPENDANTS’Childcare Grant
Based on 85% of actual registered/approved childcare costs up to maximum of:
£161.50 per week for one child£274.55 per week for two or more children
If no childcare provider details are provided a maximum cap of £115 p/w will apply to the
first installment.
Parents’ Learning Allowance
Help with course-related costs for students with dependent children.
Amount received will be between £50 and £1,557.
Adult Dependants’ Grant
For students with a partner or another adult who is financially dependent
on them (cannot be an adult child). Maximum grant is £2,732.
! Dependants’ Grants are income related. Universities may offer additional support to students with childcare/caring responsibilities.
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ADDITIONAL SUPPORTSCHOLARSHIPS AND BURSARIES
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SCHOLARSHIPS AND BURSARIES
• Extra help for many students is available from universities.
• Each university has its own scheme – students need to research these.
• Students are more likely to get help if...- their family has a low income- they are the first person in their family to go to university- they study a particular subject (depending on university)- they get good grades at school/college- they study locally
!Students should check university websites and ask at open daysand UCAS conventions for information on bursaries and scholarships:
what is available and how/when to apply.
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ADDITIONAL SUPPORT
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PART-TIME SUPPORT
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WELSH PART-TIME SUPPORT PACKAGE
• New eligible students who start a part-time course on or after 1 September 2014 at a publicly-funded university or college or on behalf of a publicly-funded university or college in Wales will be able to apply for a non-income assessed Tuition Fee Loan up to £2,625.
• New eligible students who start a part-time course on or after 1 September 2014 at a wholly private university or college will be able to apply for a non-income assessed Tuition Fee Loan up to £2,625 (the fee charged may exceed £2,625; in this case, the student must pay the difference.)
• New eligible Welsh domiciled students who start a part-time course on or after 1 September 2014 can apply for the existing income assessed part-time course grant, part-time dependants’ Grants (ADG, PLA and CCG and if the intensity is over 50%) and part-time DSAs only (if the intensity is over 25%).
• EU students are eligible for fee support only and are therefore not eligible to apply for part-time course grant, Dependants’ Grants or DSAs.
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NHS COURSES
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NHS COURSESFUNDING
Eligible courses
Students must be accepted for an NHS-funded place on a full or part-time course which leads to professional registration as a:
• doctor or dentist (they will be eligible for an NHS bursary after the fourth year of their course)
• chiropodist (including podiatrist), dietitian, occupational therapist, physiotherapist, radiographer, healthcare scientist, paramedic, speech and language therapist
• dental hygienist or dental therapist
• nurse or midwife
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OTHER COURSESNHS COURSES
NHS support
• Students on eligible courses may be able to get a bursary from the NHS. A bursary is a yearly payment to help with living costs and tuition fees. It’s paid each month and doesn’t have to be paid back.
• More detailed information is available at http://www.nwsspstudentfinance.wales.nhs.uk/home
• Full-time students on NHS degrees can also apply for a fixed grant of £1,000 per year.
SFW support
• Full-time NHS students can also apply to Student Finance Wales for a reduced rate Maintenance Loan which is not dependent on income.
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OTHER SUPPORTNHS COURSES
Non means-tested grant
Means tested bursary
Non means-tested loan
London £1,000 £3,191 £4,259
Elsewhere £1,000 £2, 643 £3,030
With Parents £1,000 £2,207 £2,272
Non means-tested grant
Means tested Bursary
Non means-tested Loan
London £1,000 £5,460 £4,259
Elsewhere £1,000 £4,395 £3.030
With Parents £1,000 £3,351 £2,272
NHS Degrees up to 45 weeks (15/16 figures)
NHS degrees up to 30 weeks (15/16 figures)
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OTHER SUPPORTNHS COURSES
Fees• NHS pays non-medical course fees• Medicine and dentistry:
– Arrangements differ depending on year of study and pathway.– Tuition Fee Loan will be available.– NHS usually pays final year.
Additional support• Allowances for disabled students and students with dependent adults
and children are available from the NHS.
• Students can also claim help with travel costs to their placements, if they have additional costs to those incurred when travelling to their university.
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STUDENT LOAN REPAYMENT
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STUDENT LOAN REPAYMENT
STUDENT LOAN REPAYMENTOVERVIEW
• Repayment contributions will not be made until students have finished their course and their income is over £21,000 (£1,750 pm) gross.
• Full-time students will begin to repay in the April after graduating/leaving their course.
• Part-time students can begin to repay in the April four years after they have started their course. (If their income is over £21,000.)
• Repayments will be 9% of income over £21,000 and will be deducted automatically from pay through the HMRC tax system for most students.
• If income falls to £21,000 or below repayments will stop.
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STUDENT LOAN REPAYMENTTHE FIGURES
Income each year before tax Income from which 9% will be deducted
Approximate monthly repayment
£21,000 £0 £0
£25,000 £4,000 £30
£30,000 £9,000 £67
£35,000 £14,000 £105
£40,000 £19,000 £142
£45,000 £24,000 £180
£50,000 £29,000 £217
£60,000 £39,000 £292
! Any outstanding loan balance will be cleared 30 years afterentering repayment.
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STUDENT LOAN REPAYMENTINTEREST RATES
During study until
entering repayment
Interest rate is: Retail Price Index (RPI) plus3%
Earnings:
Below £21,000Interest rate is:
RPI Only
Earnings Between:
£21,000 - £41,000RPI plus up to 3%
Earnings:
Above £41,000Interest rate is:
Retail Price Index (RPI) plus 3%
There will be a variation in the interest rate attached to a student’s loan during study and when earning following graduation:
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STUDENT LOAN REPAYMENTDEDICATED WEBSITE
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STUDENT LOAN REPAYMENTPARTIAL CANCELLATION OF LOANS
• Eligibility will be automatic once the student starts repaying their student loan, either voluntarily or when they are required to do so.
• Partial cancellation of up to £1,500.
• If they have a Maintenance Loan of £300 and the amount of their first repayment is £10, they will receive a partial cancellation of £290.
• If they have a Maintenance Loan of £3,000 and the amount of their first repayment is £50, they will receive a partial cancellation of £1,500.
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APPLICATION INFORMATION
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APPLICATION INFORMATION
APPLICATION INFORMATIONKEY MESSAGES
• Apply online at www.studentfinancewales.co.uk as soon as possible once the application opens to make sure student finance is in place for the start of their course.
• Register on UCAS and we can let students know when it’s time to apply.
• They do not need a confirmed place at university or college to apply.
• Make a note of their account log-in details and keep them safe.
• Agree to share information from their application, this helps apply for many bursaries and some scholarships.
• Students will be assessed for non means-tested support if there areany delays in receiving household income information.
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APPLICATION INFORMATIONCOMPLETING AN APPLICATION
Before starting an application, students should have the following to hand:
• passport - SFW can check identity using valid UK passport details • university and course details• bank account details and National Insurance number
If parents or other sponsors will be supporting a student’s application, theywill need their own account on studentfinancewales.co.uk to provide informationincluding:
• National Insurance number(s)• Household income information• Details of other child dependants
If sponsors can’t submit income details online, they can complete a paper form.
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APPLICATION INFORMATIONSTUDENTFINANCEWALES.CO.UK
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APPLICATION INFORMATIONNEW LOOK ‘MY ACCOUNT’
Making it easier to navigate and understand
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APPLICATION INFORMATIONEVIDENCE AND HOUSEHOLD INCOME
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STUDENT FINANCE APPLICATIONSIDENTITY EVIDENCESTUDENT FINANCE APPLICATIONSIDENTITY EVIDENCE
SFW require all students to provide identity evidence in order for theirapplication to progress. The following list details acceptable identification (ID)evidence:
UK students – identity evidenceStudents confirm identity by providing valid passport details in their online application.
If they haven't included passport details in their online application they will need to send one of the following:
• a completed UK Passport Details Form (if holding a valid passport)• original UK birth or adoption certificate along with a countersigned
Birth/Adoption Certificate Form (ADIF)
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STUDENT FINANCE APPLICATIONSIDENTITY EVIDENCE – NON UK STUDENTS
SFW require one of the following documents to be sent as proof of identity:
• EU National Identity Card (must be in date) • original non-UK passport (must be in date) • Biometric Residence Permit cards
Non-UK students may also need to submit the following evidence:
• original Home Office documents – to prove refugee status or leave to enter or remain status
• photocopies of P60, Contract of Employment, Tax Returns or a P45 – to prove European Economic Area (EEA) or UK work details
• a letter confirming addresses for the last three years prior to the start of their course – to confirm residency details
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SUPPORTING AN APPLICATIONHOUSEHOLD INCOMESUPPORTING AN APPLICATIONHOUSEHOLD INCOME
If supporting an application for means-tested student finance, SFW will need to see details of parents’, partner’s or other sponsor’s household (taxable earned and unearned) income and National Insurance number(s).
Earned income includes:• wages, salaries, tips, and other taxable employee pay• long-term disability benefits received prior to minimum retirement age• net earnings from self employment
Unearned income includes:• interest from savings (only the annual summary is required)• benefits and pensions• rent from property or a room
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2016/17 RESOURCES
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RESOURCES
• Guides
• Quick guides
• Short films
• Website
• Practitioner site
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QUESTIONS?
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