Student grants and loans in Europe

Country
Date of publication
Found: 12
CountryGrantsLoans
England 2013/14 - grants and loans
1st cycle full-time – the support package includes a need-based grant for living costs. The maximum is GBP 3 354 (for students with a household income of GBP 25 000 or less). In 2012/13, 40 % of applicants were awarded a full grant and 14 % were awarded a partial grant (provisional). Students who are lone parents or who have certain disabilities may be eligible for a special support grant.

1st cycle part-time – grants and loans for living costs are not available.

1st cycle – all institutions charging more than GBP 6 000 must offer National Scholarship Programme (NSP) awards to students from disadvantaged backgrounds. Awards include bursaries, fee waivers and 'in-kind' support. Many institutions also offer other bursaries and scholarships aimed at students from under-represented groups.

2nd cycle – with the exception of a few specific disciplines, such as teaching, social work and some health professions, the majority of students following taught programmes are self-financing. There is some support for students on doctoral research programmes (which may incorporate masters level study). The Research Councils set a minimum level for this stipend which for 2013/14 is GBP 13 726 per year.

2nd cycle – around 60 % of students on taught programmes and 30 % of research students do not receive any support towards tuition fees or living costs.
1st cycle full-time – the support package includes a loan for living costs for all students. The maximum for students living in the family home is GBP 4 375. For students living away from the family home the maximum is GBP 5 500 outside London and GBP 7 675 in London. The amount is reduced for students who receive a need based grant. Repayments as for tuition fee loans.

1st cycle part-time – grants and loans for living costs are not available.1st cycle – all institutions charging more than GBP 6 000 must offer National Scholarship Programme (NSP) awards to students from disadvantaged backgrounds. Awards include bursaries, fee waivers and 'in-kind' support. Many institutions also offer other bursaries and scholarships aimed at students from under-represented groups.

2nd cycle – with the exception of a few specific disciplines, such as teaching, social work and some health professions, the majority of students following taught programmes are self-financing. There is some support for students on doctoral research programmes (which may incorporate masters level study). The Research Councils set a minimum level for this stipend which for 2013/14 is GBP 13 726 per year.

2nd cycle – around 60 % of students on taught programmes and 30 % of research students do not receive any support towards tuition fees or living costs.
England 2015/16 - grants and loans
1st cycle full-time – the support package includes a need based grant for living costs. The grant is awarded on a sliding scale with a full grant of GBP 3 387 for students with a household income of GBP 25 000 or less and a partial grant for students with a household income of up to GBP 42 620. In 2013/14, 58 %of applicants eligible for support (grant and/or loan) were awarded a grant (43 % a full grant and 15 % a partial grant). Students who are lone parents or who have certain disabilities may be eligible for a special support grant. Many institutions also offer other bursaries and scholarships aimed at students from under-represented groups.
For 1st cycle full-time students, the support package includes a loan for living costs for all students. The maximum for students living in the family home is GBP 4 565. For students living away from the family home the maximum is GBP 5 740 outside London and GBP 8 009 in London. The amount is reduced for students who receive a need based grant. Repayments as for fee loans.

1st cycle part-time – grants and loans for living costs are not available.

2nd cycle postgraduate taught – there is no universal support package. However, in 2015/16 under the Postgraduate Support Scheme (PSS)  the Higher Education Funding Council for England (HEFCE) is  providing funding for 10 000 scholarships of GBP 10 000 for Masters  Students. From 2016/17, PPS will introduce income-contingent loans for students under 30 years old wishing to undertake a postgraduate  taught masters in any subject.
England 2016/17 - grants and loans
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1st cycle and short-cycle full-time: 2016/17 entrants do not receive a need-based grant but may obtain a higher level of loan for living costs. The maximum for students living in the family home is GBP 6 904. For students living away from home the maximum is GBP 8 200 outside London and GBP 10 702 in London. The loan repayment is income-contingent and set at 9 % of earnings above the threshold of GBP 21 000; interest rates are Retail Price Index plus 3 %. Special support grants are available for students who have dependent children or who have certain disabilities. Many institutions also offer other bursaries and scholarships aimed at students from under- represented groups.

Continuing 1st cycle full-time students who entered prior to 2016/17 may still apply for a maintenance grant of up to GBP 3 387 plus a lower level of maintenance loan. The grant awarded depends on household income. In 2014/15, 57.5 % of applicants eligible for support (grant and/or loan) were awarded either a full (42.8%) or partial (14.7%) grant.

1st cycle part-time: students studying a course of at least 25 % intensity, or in short cycle programmes, can apply for a loan to cover the tuition fee, which may be repaid after graduation. Loans for living costs are not available.

2nd cycle postgraduate taught: from 2016/17, a loan of up to GBP 10 000 is available for postgraduate Masters study. The same amount is provided for one year or for longer master programmes. 2nd cycle postgraduate non- taught – individual institutions can provide a merit based grant, which tends to follow the minimum stipend recommended by Research Councils UK, GBP 14 296 for 2016/17.
Nothern Ireland 2013/14 - grants and loans
1st cycle full-time – the support package includes a need based grant for living costs. The maximum is GBP 3 475 (for students with a household income of GBP 19 203 or less). In 2011/2, 39 % of applicants were awarded a full grant and 23 % were awarded a partial grant. Students who are lone parents or who have certain disabilities may be eligible for a special support grant.

1st cycle full-time – the support package includes a loan for living costs for all students. The maximum loan is GBP 3 750 for students living in the family home and GBP 4 840 for students living away. The amount is reduced for students who receive a need based grant. Repayment as for tuition fee loans.

1st cycle full-time – all institutions must offer an additional bursary to students who receive the maximum grant for living costs or special support grant. The amount varies.

1st cycle part-time – a need-based grant for tuition fees and other costs is available. Loans are not available.

2nd cycle – with the exception of a few specific disciplines, such as teaching, social work and some health professions, the majority of students following taught programmes are self-financing. Where available, a taught masters studentship is for GBP 6 863. There is some support for students on doctoral research programmes (which may incorporate masters level study). The Research Councils set a minimum level for this stipend which for 2013/14 is GBP 13 726 per year.

Around 60 % of students on taught programmes and 30 % of research students do not receive any support towards tuition fees or living costs.
Tax benefits for parents and family allowances do not play a role in the student support system.
Nothern Ireland 2015/16 - grants and loans
1st cycle full-time: the support package includes a need-based grant for living costs. The grant is awarded on a sliding scale with a full grant of GBP 3 475 for students with a household income of GBP 19 203 or less, with partial grants for students whose household income is up to GBP 41 065. In 2013/14, 60 % of applicants eligible for support (grant and/or loan) were awarded a grant: 38 % were awarded a full grant and 22 % were awarded a partial grant. All institutions must offer an additional bursary, whose amount varies, to students who receive the maximum grant for living costs or special support grant.


The support package also includes a loan for living costs for all students. The maximum loan is GBP 3 750 for students studying in Northern Ireland, GBP 6 780 for students studying in London, and GBP 4 840 for students studying elsewhere. The amount is reduced for students who receive a need based grant. Repayment as for tuition fee loans.

1st cycle part-time: the support package includes a need based grant towards payment of fees (though it is not intended to cover them completely). The grant is awarded on a sliding scale with a full grant of GBP 1 230 for students who are studying at 75 % or greater intensity and whose household income is GBP 16 842 or less, with partial grants for students whose household income is up to GBP 25 420. The course must be equivalent to at least 50 % of full-time study for a student to qualify for the fee grant.

2nd cycle – there is no universal support package.

2nd cycle postgraduate non-taught – individual institutions can provide a merit based grant, which tends to follow the minimum stipend recommended by Research Councils UK, GBP 14 057 for 2015/16.
Nothern Ireland 2016/17 - grants and loans
1st cycle and short cycle full-time students: the support package includes a need-based grant for living costs. The full grant of GBP 3 475 is awarded to students with a household income of GBP 19 203 or less, with partial grants for students whose household income is up to GBP 41 065. In 2014/15, 59.9 % of applicants for support received a grant (37.6 % of applicants received a full grant and 22.3 % a partial grant). All institutions must offer an additional bursary, whose amount varies, to students who receive the maximum grant for living costs or special support grant. The support package also includes a loan for living costs for all students. The maximum loan is GBP 3 750 if living in the family home, GBP 6 780 if living away from home and GBP 5 770 for a year of a UK course spent abroad. The amount is reduced for students who receive a need-based grant. Repayments are income-contingent and made at the rate of 9 per cent of income above the earning threshold of GBP 17 495.

1st cycle part-time students: the support package includes a need-based grant towards payment of fees (though it is not intended to cover them completely). Students studying at 50 % or greater intensity and whose household income is up to GBP 25 420 receive a fee grant. The grant is awarded on a sliding scale with the maximum awarded to students studying at 75 % intensity whose household income is less than GBP 16 843.

For 2nd cycle students, there is no universal support package. 2nd cycle postgraduate non-taught: individual institutions can provide a merit based grant, which tends to follow the minimum stipend recommended by Research Councils UK, GBP 14 296 for 2016/17.
Scotland 2013/14 - grants and loans
Both grants and loans are available to students depending on circumstances. The ‘Young Student’s Bursary' of up to GBP 1 750 per year is available to students from low income backgrounds. The ‘Independent Students’ Bursary’ of up to GBP 750 per year is available to students over the age of 25 or who are living with a partner. Other grants also exist for students with disabilities. Many students take out loans. Depending on household income, young students can borrow a maximum of GBP 5 500 per year. Likewise, independent students can borrow a maximum of GBP 6 500 per year. All students can borrow GBP 4 500 per year irrespective of household income.
Scotland 2015/16 - grants and loans
Fundamental changes to the student support package were introduced in the academic year 2013/14.

Both grants and loans are available to full-time students depending on circumstances. The 'Young Student’s Bursary' of up to GBP 1 875 per year is available to students from low income backgrounds. The ‘Independent Students’ Bursary’ of up to GBP 875 per year is available to students over the age of 25 or who are living with a partner. Other grants also exist for students with disabilities.
Many students take out loans. Depending on household income, young students can borrow a maximum of GBP 5 750 per year. Likewise, independent students can borrow a maximum of GBP 6 750 per year. All students can borrow GBP 4 750 per year irrespective of household income.


Scotland 2016/17 - grants and loans
Both grants and loans are available to full-time first-cycle students, and amounts depend on the level of household income. The 'Young Student’s Bursary' of up to GBP 1 875 per year is available to students under the age of 25 at the start of their course with a household income below GBP 34 000. The 'Independent Students' Bursary' of up to GBP 875 per year is available to students aged at least 25, with a dependent child or married/co-habiting, and with a household income below GBP 18 999. Additional support is also available to students who incur extra costs related to a disability or learning difficulty.

Depending on household income, 'young students' can take out a maximum loan of GBP 5 750 per year, and 'independent students' a maximum of GBP 6 750 per year. All eligible students can also apply for a non-income assessed student loan of GBP 4 750 per year. Students become liable to repay their loans in the April after they graduate or leave their course. Repayments for loans are normally deducted from earnings by employers at the rate of 9 % of income above GBP 17 495. In 2015, 51 % of full-time students took out loans. In 2016-17, the maximum support package – grants and loans combined – is GBP 7 625.

A part-time fee grant (PTFG) is available to Scottish and EU students studying credits equivalent to 15-59.5 ECTS per academic year. The level of grant is based on a pro-rata amount of the full-time regulated fee.
Second cycle students can apply for a fee loan of up to GBP 3 400 for eligible full-time courses (GBP 1 700 for part-time). Second cycle students on eligible courses may also apply for a living cost loan of up to GBP 4 500.
Wales 2013/14 - grants and loans
1st cycle full-time – the support package includes a need based grant for living costs. The maximum is GBP 5 161 (for students with a household income of GBP 18 370 or less). In 2012/13, 38 % of applicants were awarded a full grant and 30 % were awarded a partial grant. Students who are lone parents or who have certain disabilities may be eligible for a special support grant.

1st cycle full-time – the support package includes a loan for living costs for all students. The maximum loan for students living in the family home is GBP 5 150 and GBP 3 987 for students living away. The amount is reduced for students who receive a need based grant. Repayments as for tuition fee loans.

1st cycle full-time – students who receive the maximum grant for living costs or special support grant and who study at participating institutions may receive an additional bursary of a minimum of GBP 347.

1st cycle part-time – a need-based grant for tuition fees and other costs is available. Loans are not available.

2nd cycle – with the exception of a few specific disciplines, such as teaching, social work and some health professions, the majority of students following taught programmes are self-financing. There is some support for students on doctoral research programmes (which may incorporate masters level study). The Research Councils set a minimum level for this stipend which for 2013/14 is GBP 13 726 per year.

Around 60 % of students on taught programmes and 30 % of research students do not receive any support towards tuition fees or living costs.
1st cycle full-time – the support package includes a need based grant for living costs. The maximum is GBP 5 161 (for students with a household income of GBP 18 370 or less). In 2012/13, 38 % of applicants were awarded a full grant and 30 % were awarded a partial grant. Students who are lone parents or who have certain disabilities may be eligible for a special support grant.

1st cycle full-time – the support package includes a loan for living costs for all students. The maximum loan for students living in the family home is GBP 5 150 and GBP 3 987 for students living away. The amount is reduced for students who receive a need based grant. Repayments as for tuition fee loans.

1st cycle full-time – students who receive the maximum grant for living costs or special support grant and who study at participating institutions may receive an additional bursary of a minimum of GBP 347.

1st cycle part-time – a need-based grant for tuition fees and other costs is available. Loans are not available.

2nd cycle – with the exception of a few specific disciplines, such as teaching, social work and some health professions, the majority of students following taught programmes are self-financing. There is some support for students on doctoral research programmes (which may incorporate masters level study). The Research Councils set a minimum level for this stipend which for 2013/14 is GBP 13 726 per year.

Around 60 % of students on taught programmes and 30 % of research students do not receive any support towards tuition fees or living costs.
Wales 2015/16 - grants and loans
1st cycle full-time – the support package includes a need based grant for living costs. The grant is awarded on a sliding scale with a full grant of GBP 5 161 for students with a household income of GBP 18 370 or less. In 2013/14, 68 % of applicants eligible for support (grant and/or loan) were awarded a grant: 39 % were awarded a full grant and 29 % were awarded a partial grant.
1st cycle full-time – the support package includes a loan for living costs for all students. The maximum loan for students living in the family home is GBP 4 162. For students living away from the family home, the maximum is GBP 5 376 outside London and GBP 7 532 in London. The amount is reduced for students who receive a need based grant. Repayments as for tuition fee loans.

1st cycle part-time – a need-based course grant is available to students studying at an intensity of at least 50 %.

2nd cycle – there is no universal support package.

2nd cycle postgraduate non-taught – individual institutions can  provide a merit based grant, which tends to follow the minimum stipend recommended by Research Councils UK, GBP 14 057 for 2015/16.
Wales 2016/17 - grants and loans
1st cycle and short-cycle full-time: students can apply for a fee grant of up to GBP 5 100 and a fee loan of up to GBP 3 900 to cover the full tuition fee. Repayments are income-contingent and set at 9 % of earnings above the threshold of GBP 21 000; interest rates are Retail Price Index plus 3 %. The support package also includes a need-based grant and a loan for living costs. The grant amount depends on income, with a maximum of GBP 5 161 for students with a household income of GBP 18 370 or less. In 2014/15, 66.6 % of applicants eligible for support (grant and/or loan) received a grant (37.4 % of applicants received a full grant and 29.2 % a partial grant). The maximum loan for students living in the family home is GBP 4 786. For students living away from home, it is GBP 6 183 and less for students who receive a need-based grant. Repayments are set at 9 % of earnings above the threshold of GBP 21 000; interest rates are Retail Price Index plus 3 %.

1st cycle part-time: students studying a course of at least 25 % intensity, or in short cycle programmes, can apply for a loan to cover the tuition fee. A need-based grant is available to students studying at an intensity of at least 50 %.

2nd cycle: there is no universal support package. 2nd cycle postgraduate non-taught – individual institutions can provide a merit-based grant, which tends to follow the minimum stipend recommended by Research Councils UK, GBP 14 296 for 2016/17.


Source: Eurydice, National Student Fee and Support Systems 2013/2014, 2015/2016, 2016/2017
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