Student finance: Eligibility - GOV.UK

Student loans: a information to phrases and circumstances 2020 to 2021

1. What’s this information about?

This information is for students who take out a student loan for an undergraduate, postgraduate or Initial Teacher Training course. It explains what you’re committing to once you take out a loan.

It’s essential you learn this information rigorously because it comprises details about the present phrases of your loan. Please save a duplicate.

You’ll discover full particulars of the circumstances for getting student loans within the related Student Support Regulations.

The circumstances for repaying your student loan are included within the Education (Student Loans) (Repayment) Regulations 2009, as amended.

You’ll discover full particulars of the circumstances for getting a Postgraduate Master’s Loan within the Education (Postgraduate Master’s Degree Loans) Regulations 2016, as amended. You’ll discover full particulars of the circumstances for getting a Postgraduate Doctoral Loan within the Education (Postgraduate Doctoral Degree Loans) and the Education (Student Loans) (Repayment) (Amendment) 2018.

You can learn these rules on-line at www.laws.gov.uk or organize them from The
Stationery Office by calling 0333 202 5070 or going to www.tsoshop.co.uk

The rules could change every now and then, which suggests the phrases of your loan may change. This information will likely be up to date to mirror any modifications, so it is best to be sure you have essentially the most up-to-date model.

1.1 Further data

If you continue to have questions in regards to the phrases of your loan after studying this information, go to www.gov.uk/repaying-your-student-loan

A separate information to phrases and circumstances is out there for Advanced Learner Loans. You can obtain it from
www.gov.uk/advanced-learner-loan

2. Your loan contract

When you’re taking out a student loan you will need to comply with repay your loan in keeping with the rules that apply on the time the repayments are due, topic to the rules being amended every now and then.

Your loan contract is with the Secretary of State for Education in England. The Student Loans Company Limited (SLC), which is a non-profit authorities organisation, is performing as an agent on their behalf.

3. Who does what?

3.1 Student Loans Company (SLC)

SLC is answerable for:

  • paying the loans for English, Welsh, Northern Irish, Scottish and EU students,

  • managing your account, together with including curiosity, making use of repayments collected by the UK tax system and refunding any over-repayments,

  • amassing repayments from abroad repayers, and

  • answering questions on your loan.

3.2 HM Revenue and Customs (HMRC)

HMRC collects student loan repayments from employers by the UK tax system. If you’re self employed, you’ll repay by self evaluation once you full your tax return.

3.3 Your employer

Your employer collects student loan repayments on behalf of HMRC instantly out of your wage similtaneously tax and National Insurance.

If you have got any questions on how your repayments are collected by the tax system, it is best to communicate to your employer.

3.4 Sharing data

HMRC can legally give SLC details about your repayments, however they gained’t give SLC any details about your tax preparations, as these are confidential.

Also, neither your employer nor HMRC will obtain any particulars about your student loan, apart from that you’ve got a loan and the reimbursement threshold that applies to you (see part 5 for particulars).

4. Your tasks

4.1 You want to supply full and proper data

When you apply for a loan, you will need to give us full and correct data, in order that we will accumulate repayments once they’re due. You should inform SLC about any modifications to those particulars:

  • in the course of the utility course of,

  • when you’re at college or faculty, and

  • till you’ve repaid your loan in full.

If you don’t give SLC correct and up-to-date data, you’ll have to pay a penalty cost or repay the loan and any curiosity and penalties in a single lump sum.

If you have got a Plan 2 loan (see part 5) and don’t keep up a correspondence with us, or don’t tell us of any modifications to your private particulars, an rate of interest of RPI plus 3% will likely be utilized to your loan no matter your earnings.

You should additionally let SLC know if you happen to:

  • change your identify, cellphone quantity or the small print of the bank or constructing society account that your loan is paid into,

  • change your college, faculty or course,

  • get a bursary, healthcare award or scholarship (for instance, a Department of Health bursary),

  • change your house, term-time or parental tackle,

  • know that the beginning or finish dates of your course have modified,

  • don’t start to review, go away your course or are expelled,

  • are absent out of your course for greater than 60 days due to sickness,

  • are absent for a interval for any cause apart from sickness,

  • get married,

  • plan to depart the nation, or

  • change your employment standing (for instance from employed to self employed).

You should present your National Insurance quantity (NINO) once you apply. SLC can’t course of your utility with out this, until you’re an EU student who doesn’t have a NINO. EU students who do have a NINO ought to present it once they apply. SLC will verify the NINO with the Department for Work and Pensions to keep away from
fraudulent purposes.

HMRC can even want these particulars in order that they will accumulate your repayments. If you don’t have a NINO, otherwise you’ve misplaced it, it is best to name the National Insurance helpline on 0300 200 3500. Repayments collected by your employer will likely be proven in your payslip. You ought to maintain a file of those repayments so you know the way a lot of your loan you’ve paid again.

If you enter right into a loan settlement with SLC earlier than you flip 18 years previous, you’ll be requested to ‘ratify’ the settlement(s) when you flip 18. To ratify your loan means you’ll formally declare that you just entered into the loan settlement. If you don’t do that, you gained’t be capable of get any extra student finance after you flip 18. Once you’re 18 or over, you’ll ratify any loan settlement that you just entered into earlier than you turned 18 once you comply with the phrases and circumstances for any additional student finance.

4.2 You have to repay your loan

By legislation, you will need to repay your loan in keeping with the loan contract and the rules. For most individuals, repayments will likely be collected by the UK tax system by employers taking quantities from their wage by the Pay as You Earn (PAYE) system. If you’re self assessed, for instance if you happen to’re self employed, you’ll make repayments by self evaluation on the identical time you pay tax. If you reside overseas, you’ll repay your loan on to SLC. Page 13 describes this course of in additional element.

4.3 Loan liabilities

Becoming ‘liable’ for all or a part of your loan signifies that any funds paid to you or to your college or faculty will likely be added to your loan steadiness. This signifies that once you’ve completed or left your course, you’ll want to begin repaying that quantity and the curiosity that has accrued. You’ll be chargeable for any loan paid to you no matter whether or not you end your course or achieve a qualification.

4.4 Maintenance Loans

Maintenance Loans are paid on to you firstly of every time period. You’ll turn into chargeable for every instalment as soon as it’s paid.

4.5 Postgraduate Master’s Loan and Postgraduate Doctoral Loan

The Postgraduate Master’s Loan and Postgraduate Doctoral Loan are paid on to you firstly of every time period. You’ll turn into chargeable for every instalment as soon as it’s paid.

4.6 Tuition Fee Loans

If you’re a full-time student, you’ll turn into chargeable for a proportion of your Tuition Fee Loan firstly of every time period as soon as your college or faculty have confirmed your attendance on the course.

If you’re a part-time student, you’ll be chargeable for a proportion of your Tuition Fee Loan after you’ve been in your course for 2 weeks and your college or faculty have confirmed your attendance on the course.

You’ll turn into chargeable for future instalments firstly of the second and third phrases of your course, as proven within the desk under. You’ll stay chargeable for this quantity even if you happen to withdraw, switch or droop your research at a later date.

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When you turn into liable How a lot you’re chargeable for
At the beginning of time period 1 25% of the schooling charge
At the beginning of time period 2 50% of the schooling charge
At the beginning of time period 3 100% of the schooling charge

4.7 Grant and loan overpayment

Your student finance funds are made firstly of every time period to assist with prices for the complete time period forward.

If, for any cause, your entitlement for the tutorial yr is reassessed and lowered, this might end in you being paid an excessive amount of grant and/or loan. This is what we name an ‘overpayment’.

Example

You’re getting a Maintenance Loan of £6,000, which will likely be paid over 3 phrases.

You’ll be paid £2,000 firstly of time period 1.

You’ll be paid one other £2,000 firstly of time period 2.

You go away your course throughout time period 2, which means you aren’t entitled to the complete £2,000 you’ve already
been paid.

This means you’ve now been overpaid and have to pay a few of it again.

You’ll usually have to repay your loan overpayment individually and sooner than the remainder of your loan steadiness. This additionally applies if you happen to’re already having repayments taken out of your wage or your tax return.

A loan or grant overpayment is once you’ve been paid cash that you just’re not entitled to due to a change in your circumstances. This means it now must be paid again.

In some circumstances, loan and grant overpayments might be recovered from future student funding.

If you’ve been overpaid Childcare Grant within the 2020 to 2021 tutorial yr, we is not going to get better this out of your future funding. We’ll contact you once more when you’ve completed or left your course to debate reasonably priced reimbursement choices.

Based on authorities rules, the SLC has a obligation to get better any loan or grant overpayment.

5. Which reimbursement plan are you on?

How and once you repay your loan will depend upon once you began your course.

How a lot you repay depends upon your earnings, not what you borrow. You ought to let your employer know which reimbursement plan applies to you so that they take the correct quantity.

5.1 Repayment plan 1

You’ll be as a consequence of begin repaying your loan the April after you end or go away your course.

You’ll solely begin making repayments in case your earnings is over the reimbursement threshold, which is at the moment £19,390 a yr, £1,615 a month or £372 per week within the UK.

If your earnings falls under the reimbursement threshold, your repayments will cease and solely restart when your earnings is over the brink once more.

This threshold will likely be elevated in future years.

You also can make further voluntary repayments to SLC at any time

You’ll repay 9% of your earnings over the reimbursement threshold, which is at the moment £19,390 a yr, £1,615 a month or £372 per week within the UK. If your earnings modifications, both rising or falling, your reimbursement quantities will routinely change to mirror this.

Income annually earlier than tax Monthly earnings earlier than tax Approximate month-to-month reimbursement
£19,390 £1,615 £0
£20,000 £1,666 £4
£21,000 £1,750 £12
£24,000 £2,000 £34
£27,000 £2,250 £57
£30,000 £2,500 £79

5.2 Repayment plan 2

If you’re a full-time student, you’ll be as a consequence of begin repaying your loan the April after you end or go away your course.

If you’re a part-time student, you’ll be as a consequence of begin repaying your loan the April after you end or go away your course, or the April 4 years after the beginning of your course (even if you happen to’re nonetheless finding out), whichever comes first.

You’ll solely begin making repayments in case your earnings is over the reimbursement threshold, which is at the moment £26,575 a yr, £2,214 a month or £511 per week within the UK. If your earnings falls under the reimbursement threshold, your repayments will cease and solely restart when your earnings is over the brink once more.

You also can make further voluntary repayments to SLC at any time.

You’ll repay 9% of your earnings over the reimbursement threshold, which is at the moment £26,575 a yr, £2,214
a month or £511 per week within the UK. If your earnings modifications, both rising or falling, your reimbursement quantities will routinely change to mirror this.

Income annually earlier than tax Monthly earnings earlier than tax Approximate month-to-month reimbursement
£26,575 £2,214 £0
£27,000 £2,250 £3
£29,500 £2,458 £21
£31,000 £2,583 £33
£33,000 £2,750 £48

5.3 Postgraduate Loan

If you’re a Master’s student, you’ll be as a consequence of begin repaying your loan the April after you end or go away your course.

If you’re a Doctoral student, you’ll be as a consequence of begin repaying your loan the April after you end or go away your course, or the April 4 years after the beginning of your course (even if you happen to’re nonetheless finding out), whichever comes first.

You’ll solely begin making repayments in case your earnings is over the reimbursement threshold, which is at the moment £21,000 a yr, £1,750 a month or £404 per week within the UK. If your earnings falls under the reimbursement threshold, repayments will cease and solely restart when your earnings is over the brink once more.

You also can make further voluntary repayments to SLC at any time.

You’ll repay 6% of your earnings over the reimbursement threshold, which is at the moment £21,000 a yr, £1,750 a month or £404 per week within the UK. If your earnings modifications, both rising or falling, your reimbursement quantities will routinely change to mirror this.

Income annually earlier than tax Monthly earnings earlier than tax Approximate month-to-month reimbursement
£21,000 £1,750 £0
£22,000 £1,833 £4
£23,500 £1,958 £12
£25,000 £2,083 £19
£27,000 £2,250 £30
£30,000 £2,500 £45

5.4 Repaying in case your earnings is under the brink

If you’re employed and your annual earnings is under the reimbursement threshold, you might nonetheless make student loan repayments in case your earnings goes above the weekly or month-to-month threshold at any time. For instance, if you happen to work additional hours or get a bonus, this might take your pay above the brink for that week or month.

You can get a refund of those repayments on the finish of the tax yr, however provided that your annual earnings was lower than the annual reimbursement threshold to your loan. This doesn’t occur routinely, so that you’ll have to contact SLC if you happen to’d like a refund.

You could make voluntary repayments at any time.

However, any voluntary repayments you make gained’t have an effect on the quantity you repay by the tax system. So, if you happen to’re employed, your employer will nonetheless should take the standard quantity out of your wage.

If you’re abroad, making further voluntary repayments is not going to have an effect on the quantity that you just’re required to repay every month.

If you repay by self evaluation, you’ll nonetheless should repay the quantity due primarily based in your earnings for the yr.

You can’t get a refund of any quantities you repay voluntarily, until you’ve completed paying off your loan and have repaid an excessive amount of.

Find out how one can make voluntary repayments at www.gov.uk/repaying-your-student-loan

5.6 What if I’ve a couple of plan kind?

If you have got a couple of kind of loan, you’ll repay them on the identical time, so long as your earnings is over the reimbursement threshold.

Here are some examples of the way it might work primarily based on the present UK thresholds.

Plan 1 and Plan 2 loans

If your month-to-month earnings is between £1,615 and £2,214, you’ll solely make repayments in the direction of your Plan 1 loan. However, in case your month-to-month earnings is greater than £2,214, your repayments will likely be unfold throughout your Plan 1 and a couple of loans.

You’ll solely repay 9% of your month-to-month earnings over £1,615 – you gained’t should repay one other 9% in the direction of your second loan.

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Plan 2 and Postgraduate Loan

If your month-to-month earnings is between £1,750 and £2,214, you’ll make repayments in the direction of your Postgraduate Loan solely. If your month-to-month earnings is over £2,214, you’ll additionally make repayments in the direction of your Plan 2 loan.

You’ll repay 9% of your month-to-month earnings over £2,214 in the direction of your Plan 2 loan and 6% of your month-to-month earnings over £1,750 in the direction of your Postgraduate Loan.

You can discover extra data on how reimbursement works if in case you have a couple of plan kind at www.gov.uk/repaying-your-student-loan

5.7 How a lot curiosity you’ll be charged

You’ll be charged curiosity in your loan from the day we make your first cost to you or to your college
or faculty till it’s been repaid in full or cancelled. We calculate the curiosity each day and apply it to your steadiness every month – this is called ‘compound interest’. The rate of interest you’ll be charged depends upon which reimbursement plan you’re on.

The rate of interest is predicated on the Retail Price Index, or RPI, which is a measure of inflation. It measures modifications to the price of residing within the UK.

You can discover essentially the most correct and up-to-date data on rates of interest at www.gov.uk/repaying-your-student-loan

Repayment plan 1

The rate of interest would be the RPI of the earlier March, or 1% above the very best base price of a nominated group of banks (Bank Base Rate), whichever is decrease. The rate of interest is about on 1 September annually, though it will possibly change in the course of the yr too.

Repayment plan 2

The rate of interest is predicated on RPI and can differ relying in your circumstances.

Your circumstances Interest
Full-time students – when you’re finding out till 6 April after you end or go away your course. RPI plus 3%
Part-time students – when you’re finding out and till 6 April after you end or go away your course, or 6 April 4 years after the beginning of your course, whichever comes first. RPI plus 3%
From the April after you end your course till the loan is repaid in full. Interest will likely be primarily based in your earnings. If your earnings is £26,575 or much less, your curiosity will likely be RPI. If your earnings is between £26,576 and £47,835, your curiosity will likely be RPI plus as much as 3%, relying on earnings. If your earnings is over £47,835, your curiosity will likely be RPI plus 3%
If you don’t keep up a correspondence with us, or fail to advise us of modifications to any of your private particulars. RPI plus 3% will likely be utilized to your loan, no matter your earnings, till you contact us.

Postgraduate Loan

You’ll be charged curiosity from the day we make the primary cost to you till your loan is repaid in full or cancelled. Interest will likely be charged at RPI plus 3%.

6. How you’ll repay

Repayments will likely be collected by the UK tax system if you happen to’re employed or by self evaluation if you happen to’re self employed.

6.1 What occurs once you’re employed

If you’re an worker paying UK tax, your employer will take repayments out of your pay, together with tax and National Insurance. You will see the deductions in your payslip.

SLC will inform HMRC once you’ve completed or left your course and provides them particulars reminiscent of your identify and National Insurance quantity. HMRC will verify to see if you happen to’re working and in case you are, they’ll inform your employer that you’ve got a loan (however not how a lot you owe).

You also needs to inform your new employer that you’ve got a student loan.

6.2 How employers know the way a lot to deduct out of your pay

HMRC will present steerage to employers, together with the reimbursement thresholds for every plan kind, so that they know the way a lot to take out of your pay.

If your pay is above the reimbursement threshold to your loan, your employer will take repayments and cross them to HMRC. HMRC will ship this data to SLC, who’ll then replace your account.

SLC will be sure the right amount of curiosity is charged to your account, so that you gained’t be charged any additional curiosity even when your reimbursement particulars take a while to achieve SLC.

It’s essential to grasp repayments taken by your employer will likely be labored out on particular person pay intervals – not in your complete earnings for a complete yr. By pay interval, we imply how typically you receives a commission. So if you happen to’re paid month-to-month, repayments will likely be taken and calculated every month. This signifies that in case your earnings varies every month, you might pay again extra some months than others.

6.3 What occurs if you happen to change jobs

When you modify jobs, your earlier employer could offer you a P45 with a ‘Y’ within the student loan field. If your earnings is above the reimbursement threshold, your new employer will begin to make student loan deductions out of your pay. If you don’t have a P45, your employer could ask you to fill in a starter guidelines, which has a tick field to point out that you’ve got a student loan. You should both tick the field or advise your new employer you have got a student loan.

If your repayments don’t begin when they need to, it is best to let your employer know. If the issue continues, it is best to contact SLC together with your new employer’s particulars, reminiscent of their identify and tackle, their PAYE Reference and your payroll quantity. This data might be discovered in your payslip, P60 or by talking to your payroll division. If you’re self employed, HMRC will be capable of inform you how it is best to repay. If you’re working exterior the UK for greater than 3 months, please see part 6.7 for data on how one can make repayments.

6.4 What occurs in case your employer goes out of enterprise or doesn’t pay your deductions to HMRC

As lengthy as you have got proof that deductions have been taken, reminiscent of your payslips, SLC will credit the complete quantity of the repayments to your account.

6.5 What occurs if you happen to’re self employed

If you’re self employed, you’ll ship HMRC a tax return annually below the self-assessment (SA) system. How a lot you repay will likely be taken as a part of your SA invoice for tax. The student loan reimbursement will likely be primarily based in your gross annual earnings over the brink to your loan.

6.6 If you’re employed and self employed

If you’re employed and self employed on the identical time, you’ll have to make some loan repayments once you full your tax return, in addition to these taken by your employer.

You can declare credit in your tax return for any student loan quantities your employer has already taken in the course of the yr so that you don’t repay an excessive amount of.

Like PAYE, the SA system will work out your loan repayments primarily based in your earnings above the brink to your loan. Any SA cost will likely be due on 31 January following the tax yr of your evaluation. You can discover data on how one can fill in your SA return within the steerage and booklets offered by HMRC.

If you pay UK tax and also you get a self-assessment tax return, it is best to use this to declare student loan repayments. You should fill this way in appropriately and return it on time. You should additionally pay your tax and student loan reimbursement on time.

If you don’t do that, you’ll have to pay curiosity and monetary penalties. This is as a result of student loans will likely be handled in the identical method as tax for the needs of this way.

6.7 What occurs if you happen to journey or work abroad

If you don’t pay UK tax otherwise you plan to depart the UK for greater than 3 months at any level after you end or go away your course (whether or not that is briefly or as a result of you’ll reside overseas), you’ll make repayments on to SLC. You should let SLC know earlier than you allow the UK. If you don’t, they will cost penalties in your loan and the place obligatory, ask you to repay the complete quantity of loan plus curiosity and penalties in a single lump sum.

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SLC will ask for particulars of your earnings and can work out how a lot it is best to repay every month. They’ll change your earnings into kilos sterling and inform you the quantity you want to repay every month in kilos sterling. You’ll be answerable for any prices concerned in changing the foreign money and also you’ll should pay any charges your bank fees to switch funds to SLC.

As you’ll within the UK, you’ll repay 9% of your earnings over the reimbursement thresholds for plan 1 and plan 2 loans and 6% of your earnings over the brink for Postgraduate Loan. But due to variations in residing prices, the reimbursement threshold SLC applies overseas might be totally different from the UK threshold.

6.8 Fixed reimbursement price

If you don’t give SLC particulars of your earnings, chances are you’ll be charged a set quantity relying on the place you reside, which can be larger than the reimbursement quantity due primarily based in your precise earnings. If you don’t repay this quantity, SLC could take authorized motion towards you.

6.9 When your loans will likely be cancelled

There are circumstances the place your student loan could also be cancelled and also you’ll by no means should pay it again, reminiscent of if you happen to die earlier than you pay the loan off or if you happen to turn into disabled and completely unfit for work.

Your loan can even be cancelled after a sure time frame if you happen to’ve not already paid it off in full. The
size of time depends upon the principles on the time you took out your loan.

Repayment plan 1

If you took out the loan earlier than 1 September 2006, your excellent loan steadiness plus any curiosity will
be cancelled once you attain the age of 65.

If you took out the loan on or after 1 September 2006 however earlier than 1 September 2012, your excellent loan steadiness plus any curiosity will likely be cancelled 25 years after the April once you first grew to become as a consequence of begin making repayments.

In each circumstances, you will need to have made all repayments due primarily based in your earnings till that date. If not, in
some circumstances, SLC could get better any quantities you continue to owe as much as that date.

Repayment plan 2

Any loan plus curiosity remaining 30 years after you’re as a consequence of begin making repayments will likely be cancelled.

You will need to have made all repayments due primarily based in your earnings till that date. If not, in some circumstances, SLC could get better any quantities you continue to owe as much as that date.

Postgraduate Loan

Any loan plus curiosity remaining 30 years after you’re as a consequence of begin making repayments will likely be cancelled.

You will need to have made all repayments due primarily based in your earnings till that date. If not, in some circumstances, SLC could get better any quantities you continue to owe as much as that date.

6.10 What occurs if you happen to don’t make repayments

By legislation, you will need to repay your loan in keeping with the loan contract and rules. If you don’t make repayments, SLC have the best to take authorized motion to get better your debt. This means SLC can get a court docket order to make you repay the full plus curiosity and penalties in a single cost.

This might be enforced by the courts as a civil debt, whether or not you’re within the UK or residing overseas, and also you’ll be answerable for all prices.

6.11 Coming to the top of repaying your loan

If you’re inside 4 to 23 months of repaying your loan, it is best to change to repaying by Direct Debit. We advocate altering to Direct Debit so that you don’t repay greater than you owe and should get a refund.

You have to maintain us updated together with your contact particulars. This will permit us to contact you about organising a Direct Debit.

You can replace your particulars on-line at www.gov.uk/repaying-your-student-loan

6.12 If you’ve paid again an excessive amount of

We’ll attempt to contact you if you happen to’ve repaid greater than you owe, so it’s essential that your contact particulars are saved updated.

Make certain your tackle, electronic mail tackle, and cellular quantity are appropriate in your account by logging in at www.gov.uk/repaying-your-student-loan

Repayment plan 1

If you have got a credit steadiness when your loan has been repaid in full, curiosity will accrue on the price of RPI or 1% above the Bank Base Rate, whichever is decrease.

Interest will accrue at RPI or 1% above the Bank Base Rate for a most of 60 days from the date we let you recognize about your overpayment. Interest will cease accruing after 60 days or from the day you’re refunded, whichever comes first.

Repayment plan 2

If you have got a credit steadiness when your loan has been repaid in full, curiosity will accrue on the price of RPI.

Interest will accrue at RPI for a most of 60 days from the date we let you recognize about your overpayment. Interest will cease accruing after 60 days or from the day you’re refunded, whichever comes first.

Postgraduate Loan

If you have got a credit steadiness when your loan has been repaid in full, curiosity will accrue for an additional 60 days at RPI plus 3%. Interest will cease accruing after 60 days or from the day you’re refunded, whichever comes first.

6.13 Getting a refund

If you’re due a refund and also you haven’t claimed this, we could attempt to refund your bank account instantly.

7. What to do if you happen to’re not glad

7.1 Complaints

If you’re not glad with the extent of service you’ve obtained, it is best to contact SLC to register a
criticism. You can accomplish that by:

  • calling 0300 100 0601

  • emailing [email protected]

  • writing to: Customer Relations Unit, Student Loans Company, 100 Bothwell Street, Glasgow, G2 7JD

If you’ve used this process and are nonetheless not glad, you possibly can have your criticism reviewed by an Independent Assessor.

7.2 Appeals

If you assume a call we’ve made in relation to your funding utility is improper, you have got the best to attraction. An attraction is a proper request to Student Finance England asking us to overview our resolution in your entitlement to student finance.

If you want to attraction towards our refusal to award you student funding otherwise you disagree with how we’ve calculated your funding you possibly can attraction by:

  • downloading an appeals template from www.gov.uk/studentfinance and sending the finished kind to us by electronic mail or publish utilizing the next addresses

  • emailing [email protected]

  • writing to: Formal Appeals, Memphis Building, Lingfield Point, PO Box 226, Darlington, DL1 9GA

If you’ve used this process and are nonetheless not glad, you possibly can have your attraction reviewed by an
Independent Assessor.

If you need extra details about reimbursement, go to www.gov.uk/repaying-your-student-loan or name 0300 100 0611.

8.1 If you reside in England

You can go to www.gov.uk/studentfinance or you possibly can cellphone Student Finance England on 0300 100 0607 (textphone 0300 100 0622) between 8am and 8pm Monday to Friday, and between 9am and 4pm on Saturday.

8.2 If you’re an EU student

You ought to name Student Finance Services on 0141 243 3570.

You also can write to them at: Student Finance Services, PO Box 89, Darlington, County Durham. United Kingdom, DL1 9AZ

8.3 HM Revenue & Customs

Once you’ve began to repay your loan, if in case you have any questions on how your repayments are collected by the tax system, it is best to communicate to both your employer or contact HMRC utilizing the numbers listed at www.hmrc.gov.uk/native