The University for World-Class Professionals Money Matters · The University for World-Class...

Your Guide to Student Finance

2015 Full-Time UndergraduateEntry

www.mmu.ac.uk/moneymatters

The University forWorld-Class Professionals

MoneyMatters

Tuition Fee LoanAvailable to all new undergraduate students (without prior study)

Tuition Fee Loan (paid directly to your university) Up to £9,000

Entitlements* Maximum My entitlement

1. Maintenance Loan (repayable) see page 4-5 £5,530 £

2. Maintenance Grant (non-repayable) see page 4-5 £3,387** £

3. MMU Student Support Package (if eligible) see page 6 £1,000 in year 1 £

4. Other bursaries and scholarships see page 7 £ £

Total maintenance (living) allowance (1+2+3+4) £ £

Other income Total Total per week

5. Summer job £ £

6. Part-time work (Up to 15 hours per week) see page 17 £ £

7. Support from family £ £

Total additional income (5+6+7) £ £

Weekly BudgetTypical cost My weeklysee page 16-18 budget

Accommodation £77 - £125 £

Food £22 £

Clothes £5 £

Travel £12 £

Socialising £20 £

Gym membership £5 £

Laundry £5 £

Mobile phone credit £5 £

Travel home (once a month?) £ £

Other £ £

Total £ £

Your MoneyUse our budget planner to work out your entitlements to financial support and yourweekly outgoings while you study

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**Students receiving a maintenance grant have the loan reduced by 50p in every £1 as per table on p5.*Details correct as of 2014 entry. For 2015 entry, the Maintenance Loan will increase by 3.34% in line with inflation.

5:Students from England

Page 6: The Manchester Metropolitan University Student Support Package

Page 7: The Met Card, Scholarships and Additional Funding

Page 8: Independent and Mature Students

Page 9: Part-time and Disabled Students

Contents

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Page 10: Health and Social Work Students - Adult Nursing,Physiotherapy, Speech Pathology and Social Work.

Page 11: Students from Northern Ireland

Page 12: Students from Wales

Page 13: Students from Scotland

Page 13: Students from the EU including the Republic ofIreland & International Students

Page 16: Budgeting for University

Page 17: Part-time Work & Student Bank Accounts

Page 18: Accommodation and Travel

Page 19-20: Checklist for Student Finance

Page 21: Frequently Asked Questions

Page 14: Repaying your Loans

Page 15: Employability & MMU

If you are a student from Englandentitlements will be assessed through yourapplication to Student Finance England. If you have studied at anundergraduate level previously (includinguncompleted qualifications) your entitlementsmay be affected and you should checkdirectly with Student Finance England.

Students from England Full-time Undergraduate Students

4

HouseholdIncome

Non-repayableMaintenanceGrant (towardsliving costs)

RepayableMaintenanceLoan (towardsliving costs)

TotalMaintenance(Grant + Loan)

MaximumTuition FeeLoan

Maximumborrowed(excludinginterest)

*Details correct as of 2014 entry. For 2015 entry, the Maintenance loan will increase by 3.34% in line with inflation.

£25,000 or less £3,387 £2,725 £6,112 £9,000 £11,725

£30,000 £2,441 £3,198 £5,639 £9,000 £12,198

£35,000 £1,494 £3,671 £5,165 £9,000 £12,571

£40,000 £547 £4,145 £4,692 £9,000 £12,845

£42,620 £50 £4,393 £4,443 £9,000 £13,393

£45,000 £0 £4,204 £4,204 £9,000 £13,204

£50,000 £0 £3,699 £3,699 £9,000 £12,669

£55,000 £0 £3,194 £3,194 £9,000 £12,194

Over £58,195 £0 £2,871 £2,871 £9,000 £11,871

Living at home while youstudy*

Key termsHousehold income: This is the income of the household where you normally live(usually parents/spouse/partner), whomStudent Finance England will ask to provide details and evidence to supportyour application.

Maintenance Grant: A non-repayablegrant to help towards your living costs:rent, food, course materials etc. You willreceive part of this amount once you haveenrolled at university in Welcome Week,with the remainder paid in instalments atthe start of each term.

Maintenance Loan: A repayable loan tohelp towards your living costs, rent, foodcourse materials etc. You will receive part ofthis amount once you have enrolled atuniversity in Welcome Week, with theremainder paid in instalments at the start of each term.

Tuition Fee Loan: All new undergraduatestudents are entitled to a loan to cover theirtuition fees. Your fees will be a maximum of£9,000. The Tuition Fee Loan is paiddirectly to the University by the StudentLoans Company once you enrol at WelcomeWeek, so you will not receive it personally.

Living away from home while you study*

5

HouseholdIncome






£25,000 or less £3,387 £3,862 £7,249 £9,000 £12,862

£30,000 £2,441 £4,335 £6,776 £9,000 £13,335

£35,000 £1,494 £4,808 £6,302 £9,000 £13,808

£40,000 £547 £5,282 £5,829 £9,000 £14,282

£42,620 £50 £5,530 £5,580 £9,000 £14,080

£45,000 £0 £5,341 £5,341 £9,000 £14,341

£50,000 £0 £4,836 £4,836 £9,000 £13,836

£55,000 £0 £4,331 £4,331 £9,000 £13,331

£60,000 £0 £3,826 £3,826 £9,000 £12,826

Over £62,132 £0 £3,610 £3,610 £9,000 £12,610

*Details correct as of 2014 entry. For 2015 entry, the Maintenance loan will increase by 3.34% in line with inflation.


We offer one of the most generous supportpackages in the country.

From September 2015, the MMU StudentSupport Package will mean that £1000 peryear of study is available to everyundergraduate full-time student comingfrom a household with an income up to andincluding £25,000. The package will beavailable in yearly installments.

The aim is to help students to reduce theircosts where they need it most. You can useyour MMU Student Support Package in acombination of the following ways:

Year OneAccommodation discount of up to £1,000(Accommodation discount is applicable only for studentaccommodation contracts with Halls of Residence thatare direct with the University and does not apply to otherHalls as promoted on the MMU website).

or

Other services discount up to £1000using the met card, seewww.mmu.ac.uk/metcardfor more details.

Each additional year of full-timestudy

A further £1,000 will be available for you to use through the met card for Universityservices in each year of study, when paying £6000-£9000 fees (up to a maximum4 years).

*£1000 per year of study when paying between £6000-£9000 tuition fees. Up to a maximum of 4 years study.The 2015 MMU Student Support Package is subject toapproval by OFFA.

Applying for the StudentSupport PackageYou do not need to apply to us directly for the MMU Student Support Package.Please be sure to tick “Share my detailswith my university” when you completeyour application with Student FinanceEngland, and we will assess your eligibilityfor the package.

You will be asked at enrolment to specifyhow you would prefer to receive the SupportPackage in Year 1. Your eligibility won’t beconfirmed until you have been assessedafter enrolment.

Terms and ConditionsThe conditions of the package are correct atthe time of going to print in June 2014.Please note that these may change, but fulldetails will be available on our websitewww.mmu.ac.uk/moneymatters in Spring 2015.

The Manchester Metropolitan Student Support Package 2015£1000 per year to support your studies*

6

Care Leavers BursaryCare leavers at MMU can also apply for anadditional cash bursary of £1000 per year.For more details and information on how toapply see the website www.mmu.ac.uk/studentfinance/care-leavers-bursary.php

Sports Scholarship*Talented athletes studying at MMU couldalso be eligible for a range of benefitsincluding:

• £500 financial contribution

• First class strength & conditioning coaching

• A free annual gym pass

• Exclusive sports scholarship kit

www.mmu.ac.uk/sport/scholarships

Manchester School of Art credit*If you join The Manchester School of Art wealso credit your met card with up to £200.At the time of going to print, the credit for2015 entry is not confirmed, but you can find out more atwww.artdes.mmu.ac.uk/credit

The met cardwww.mmu.ac.uk/metcard

When you enrol at Manchester MetropolitanUniversity you will be issued with a studentmet card. You can load the card with moneyto spend on campus accommodation, on foodand drink at university catering outlets, or forprinting services on campus & other services.If you qualify for our Student SupportPackage, you can also choose to have thecard pre-loaded so you can use it throughoutthe year at University outlets and shops.

You can find more information about therange of services available to purchase withthe met card at www.mmu.ac.uk/metcard

7

The Met Card, Scholarships and Additional Funding


*Conditions of these packages are correct at the time ofgoing to print in June 2014. Please note that these maychange, but full details will be available on our websitewww.mmu.ac.uk/moneymatters in Spring 2015.

You are an independent student if you meetthe following criteria:

• Aged 25 or over before the start ofyour course

• Married or in a civil partnershipbefore the start of your course

• A parent who has your child livingwith you

• Financially independent of yourparents for 3 years before the startof your course

• Living in the care of a LocalAuthority or voluntary organisation

If you are an independent student yourparental income will not be assessed,however the income of your wife/husbandor partner may be considered.

You may need additional time to gatherinformation relating to your status as anindependent student. Applying for studentfinance as soon as possible is alwaysrecommended.

If you are unsure about your status, pleasecontact Student Finance England for moreinformation, tel: 0300 100 0607

If you have children or other dependents,you may be entitled to additional support inthe form of non-repayable grants:

Parents Learning Allowance GrantUp to £1,573

Childcare Grant Up to 85% of actual costs of childcare:Maximum £155.24 per week for one childMaximum £266.15 per week for two or more children.

Adults Dependants GrantUp to £2,757

Special Support Grant

The Special Support Grant replaces theMaintenance Grant for people who canclaim income-related benefits whilststudying full-time. In line with theMaintenance Grant, it is worth up to amaximum of £3,387, and is non-repayable. If you are entitled to the Special SupportGrant, you will also receive the maximumamount of the Maintenance Loan.

Your application for these grants will beassessed along with your main applicationto Student Finance England and you will beprompted to complete the relevant sectionson your online application.

You may find some useful information on ourwebsite specifically for those returning toeducation. Visit: www.mmu.ac.uk/mature

Independent students

Additional support

8

Part-time students are entitled to a TuitionFee Loan in the same way as a full-timestudent, up to £6,750 depending on thenumber of credits you take. In order to qualifyyou must be studying the equivalent of atleast 25% of a full-time course each year.

You will not be entitled to any MaintenanceGrant or Loan, but if your student income is£25,000 or below, you will be eligible toapply for our Part-time Student SupportPackage. Successful applicants will beawarded a reduction of their tuition fees in the final term, but the package will notcover the full cost of fees. You can findfurther information on the Part-time StudentSupport Package atwww.mmu.ac.uk/moneymatters

Disabled students may be entitled to a non-repayable Disabled Students’ Allowance(DSA) which will cover costs you havethrough attending your course, as a directresult of your disability or learning difficulty,such as specialist equipment or a note-taker.

You need to apply for the DSA as early aspossible, and you do not have to wait for aconfirmed place at university before youapply. You can find more information on theallowance, and how to apply, atwww.gov.uk/disabled-students-allowances-dsas

You can find more information about thesupport available to you on our website atwww.mmu.ac.uk/learner-development

Disabled students

9www.mmu.ac.uk/moneymatters

Part-time students

10

Students of Adult Nursing, Physiotherapyand Speech Pathology are entitled tofunding directly from the NHS.

You can apply for:

• A means tested bursary worth up to £4,395

• A non-means tested, non-repayablegrant worth £1,000

• Full payment of your tuition fees

• A reduced Maintenance Loan (from Student Finance England)

*Details correct for 2014, figures have not beenconfirmed for 2015 entry at time of going to print.Please note that students enrolled on NHS fundedcourses will not be entitled to the MMU StudentSuppport Package.

You can only apply for this additionalsupport once you have secured your placeon a qualifying course. Visitwww.nhsbsa.nhs.uk/students for more information.

Social Work studentsAs well as the Student Finance EnglandPackage, Social Work students may beeligible for a bursary in the second andthird years of study. There will be a limitednumber of these bursaries and eligibilitycriteria are being finalised. For furtherinformation seewww.nhsbsa.nhs.uk/students

Adult Nursing, Physiotherapy & Speech Pathology Students*

www.mmu.ac.uk/moneymatters 11

If you are from Northern Ireland, yourentitlements are very similar to studentsfrom England, but you should apply to beassessed through Student Finance NorthernIreland www.studentfinanceni.co.uk

The details below are correct for studentsfrom Northern Ireland not living at homewhile they study and who are startinguniversity in 2014*. 2015 figures will beavailable in Spring 2015 – check thewebsite above for more information.

Students from Northern Ireland

HouseholdIncome






£19,203 £3,475 £2,953 £6,428 £9,000 £11,953

£20,000 £3,300 £2,999 £6,299 £9,000 £11,999

£25,000 £2,201 £3,289 £5,490 £9,000 £12,289

£29,019 £1,318 £3,522 £4,840 £9,000 £12,522

£30,000 £1,215 £3,625 £4,840 £9,000 £12,625

£35,000 £689 £4,151 £4,840 £9,000 £13,151

£41,065 £50 £4,790 £4,840 £9,000 £13,790

£41,540 0 £4,840 £4,840 £9,000 £13,840

£42,000 0 £4,792 £4,792 £9,000 £13,792

£45,000 0 £4,476 £4,476 £9,000 £13,476

£53,035 0 £3,630 £3,630 £9,000 £12,630

*Details correct for 2014 entry. For 2015 entry, the Maintenance loan will increaseby 3.34% in line with inflation.

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If you are from Wales, your entitlements arevery similar to students from England, butyou should apply through Student FinanceWales www.studentfinancewales.co.uk

You can get a Tuition Fee Loan to cover allor the first part of your tuition fees up to amaximum of £3,685. The remainder of yourfees will be paid by a non-repayable TuitionFee Grant. The grant will cover anydifference between the maximum loan andthe actual fee you are charged. As a full-time undergraduate student with us yourfees will be £9,000, therefore you’ll beentitled to £3,685 as a tuition fee loan, and£5,315 as a tuition fee grant.

These details are correct for studentsfrom Wales not living at home while theystudy and who are starting university in2014. 2015 figures have not yetbeen published, please checkwww.studentfinancewales.co.ukfor more information.

Students from Wales

HouseholdIncome

Non-repayableMaintenanceGrant (WelshGovernment

LearningGrant)


TotalMaintenance

(Grant +Loan)

MaximumTuition

Fee Loan

MaximumTuition FeeGrant (tocover feeremaining

after fee loan)

Maximumborrowed((excluding

interest)

£18,370 £5,161 £2,622 £7,783 £3,685 £5,315 £6,307

£25,000 £3,347 £3,529 £6,876 £3,685 £5,315 £7,214

£30,000 £2,099 £4,153 £6,252 £3,685 £5,315 £7,838

£34,000 £1,142 £4,631 £5,773 £3,685 £5,315 £8,316

£40,000 £734 £4,835 £5,569 £3,685 £5,315 £8,520

£45,000 £393 £5,006 £5,399 £3,685 £5,315 £8,691

£50,020 £50 £5,177 £5,227 £3,685 £5,315 £8,862


If you are from Scotland, your entitlementsare very similar to students from England,but you should apply through StudentAwards Agency for Scotland (SAAS)www.saas.gov.uk

The details below are correct for studentsfrom Scotland not living at home while they study and who are starting universityin 2014. 2015 figures will be available inSpring 2015 – check the SAAS website for more information.

If you are a student from Ireland or anotherEU country, you will be entitled to a TuitionFee Loan to cover the cost of your tuition.Your entitlement to any other forms ofsupport will be dependent on your situation,and you may be entitled to support fromyour home country.

You should apply for your fee loan throughStudent Finance England from April 2015 ifyou are due to start in September 2015. Forinformation on how to apply visitwww.gov.uk/student-finance

Students normally resident outside theEuropean Union are not usually entitled tofinancial support from the UK government.If you are an International studentinterested in studying with us, you cancontact our International Office atwww.mmu.ac.uk/international

The UK Council for International StudentAffairs website also provides support andinformation www.ukcisa.org.uk/student

Students from Scotland

International Students

Students from the EU including the Republic of Ireland

HouseholdIncome

Non-repayableMaintenanceBursary





£16,999 £1,750 £5,750 £7,500 £9,000 £14,750

£23,999 £1,000 £5,750 £6,750 £9,000 £14,750

£33,999 £500 £5,750 £6,250 £9,000 £14,750

£34,000 £0 £4,750 £4,750 £9,000 £13,750

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Repayments*Student loans, e.g. Tuition Fee Loan andMaintenance Loan are combined andrepayments are deducted monthly from yoursalary, normally through the tax system.

• You do not have to start makingrepayments until the April after yougraduate and you are earning over£21,000 - this means that if you startuniversity in 2015, you will not startmaking repayments until April 2019 at the earliest.

• Repayments are calculated as 9% of yoursalary over £21,000.

• If your salary falls below £21,000,repayments will stop – for example, if youtake a career break or are unemployed –the monthly repayments start again whenyou are earning above £21,000.

• The loan is written off after 30 years –the government estimate that fewer than35% of students starting in 2015 willrepay the loans in full.

• Whilst you are studying (from the start ofyour course) up until the April after yougraduate, the government will chargeinterest at Retail Price Index (RPI) plus3%. After graduation the interest rate willremain at RPI if you are earning up to£21,000, and will increase to a maximum ofRPI +3% once you are earning over £21,000.

Repaying your Loans

Salary after graduation Amount of salary fromwhich 9% will be deductedi.e. over £21,000

Monthly repayment under2015 loan system aftergraduation

£18,000

£21,000

£24,000

£27,000

£30,000

£33,000

£36,000

£39,000

£0

£0

£3,000

£6,000

£9,000

£12,000

£15,000

£18,000

£0

£0

£22.50

£45.00

£67.50

£90.00

£112.50

£135.00

As an illustration, your repayments will be calculated as:

*Figures correct as of June 2014

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• Employability is at the heart of ourcourses and many encourage industrialplacements to give you real-lifeexperience of the workplace.

• Our students have enjoyed workplacements with household names suchas Marks and Spencer, BBC, Siemens andwith smaller companies and public sectororganisations like museums, charities andarts centres.

• We run Exchange and Study Abroadprogrammes with partner institutions inmany parts of the world. Students tell usit’s a life-changing experience and itshows employers that you are adaptable,confident and not afraid to try new things.Visit www.mmu.ac.uk/internationaland select ‘Exchange and Study Abroad’for further information.

• Our Careers & Employability Serviceprovides support throughout your timewith us and up to three years after yougraduate. It provides access to extensiveonline resources, one-to-one advice from aCareers and Employability Advisor andcareer planning workshops to help you todevelop your CV writing and interviewskills. You can also take advantage ofmany opportunities to network withemployers on campus and at recruitmentfairs and undertake the MMU ProfessionalPassport which simulates the recruitmentand selection process for a graduate job.Visit www.mmu.ac.uk/careers &www.mmu.ac.uk/students/futures formore information.

• We also have an innovative InternScheme for our own graduates, offeringup to 100 paid placements across theUniversity each year in marketing,finance, education, HR, research anddesign. Visit www.mmu.ac.uk/internfor more information.

* 2013 DLHE Survey – data from all respondentsavailable for employment or further study whose

destinations are known.

Employability at MMU89% of our graduates go straight into work or further study within six months of graduation*


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Going to university means you may beresponsible for budgeting and managingyour money for the first time. If you havenot had to budget before, you need to setyourself spending limits and activelymanage your money.

We asked some of our current studentsabout their weekly outgoings. On averagethey spend:

• £22 Food

• £5 Clothes

• £12 Travel (weekly bus ticket)

• £20 Socialising

• £5 Gym membership

• £5 Laundry

• £5 Mobile phone credit

£74 Total (not includingaccommodation)

Most of the students also said they travelledhome every month or six weeks, so youshould take that into account when makingyour weekly budget.

We also asked them how they make theirmoney go further:

“As I live a long way from my family, Ibought a National Express student pass. It saves a great deal of money whenI need to travel home during holidays, forinstance a discount of about £20 to Truroand almost £100 off a trip to Sofia inBulgaria.”Jacob Lee, BSc (Hons) Wildlife Biology

“The one thing that has helped me makethe most of my money while at university isto go supermarket shopping with flatmates.If you shop on your own, you might not getto eat everything you buy for yourself beforeit expires, so by sharing we have cut downon wasted food.”Beatrice Lee, BA (Hons) BusinessAdministration with International Business

“The best thing I have bought is myrailcard for going home in the holidays andat least one weekend a month. This hassaved me a lot of money as you just pay £30and you get a third off most train journeysfor a whole year.”Hayley Gould, BA (Hons) Spanish andTeaching English as a Foreign Language

“I buy books from Amazon or try and getin touch with someone from the year abovewho has finished with their books whichsaves me buying brand new ones everyyear. There’s an Oxfam on Oxford Road,which has quite a lot of second hand academic books, so you could always try there too.”Daniel Hall, BA (Hons) Spanish and Italian

Budgeting for University

Many students work part-time while atuniversity to boost their income and helptowards their living costs. This is also avaluable way to gain useful work experienceto enhance your CV and prepare you for theworld of work. MMU locations have a greatnumber of shops, bars, cafes andentertainment venues where many studentsfind part-time work while they study. Weasked some of our students about work theyhave done while they study:

“To earn some money, I signed up to be auniversity Student Ambassador, which iscasual work around Open Days and otheruniversity events. This made it easy tobalance my university work and social life. I think it is a good idea if you can keep a part-time job or casual job at home aswell so that you can earn extra money inthe holidays.”Hayley Gould, BA (Hons) Spanish andTeaching English as a Foreign Language

“I only work outside of term-time whichgives me a bit of extra cash ready for thenext term. During term-time I don’t work so Ihave more time for studying and socialising.I prefer to budget my money carefully ratherthan have a job and no free time.”David Engles, BSc (Hons) Computer GamesTechnology

“I plan my week out carefully to make sureI fit everything in. For example I work onMonday and Tuesday, then I have lectureson Wednesday, Thursday and Friday. I’mable to plan my hours quite easily to makesure I have enough time for studying andworking as well as socialising in theevenings.”Priyanka Vaidya, BSc (Hons) Nutrition and Health

How much might you earn?If you are studying full-time, we recommendthat you don’t work more than 15 hours perweek – you will need to find a balance sothat you have time for course commitmentsincluding lectures, seminars, reading,independent study and socialising. We payour student ambassadors £7.07 per hour towork at Open Days and in University officesgiving administrative support. If you workedthe maximum recommended time of 15hours, you could earn £92.85 per week,though remember there will be times youare busier than usual with your studies e.g.at exam time.

Student bank accountsIf you do not already have a bank account,you will need to open one in order toreceive any loans or grants to which youmight be entitled.

Most major banks offer accounts especiallyfor students, usually with interest freeoverdrafts that continue post-graduation togive you a financial buffer in case you needit. You can find useful information onstudent bank accounts atwww.moneysavingexpert.com/students/student-bank-account

Part-time Work


18

Halls of residence can vary in price, and atManchester Metropolitan, our prices rangefrom around £77 to £125 per week (or £3,080to £5,250 per year) and include all bills andinternet access. The price of halls variesaccording to the location and set up of eachhall, so you should consider carefully thestyle of accommodation you would likewhen budgeting for this cost. You can viewall our halls, and the latest prices, atwww.mmu.ac.uk/accommodation

You will be able to apply for accommodationfrom early April 2015, and we must be yourfirm choice on UCAS before we will acceptan application from you.

Many of our students pay for their studentaccommodation with their MMU StudentSupport Package (if they are staying in oneof our Halls) or Maintenance Loan in threeinstalments. You can also choose to pay foryour accommodation directly with money fromanother source (e.g. your parents or savings).

Accommodation Costswww.mmu.ac.uk/accommodation

Planning your travel while at university is veryimportant as the costs can mount up. Carefulplanning and research into student discountscould save you a lot of money. If you study atour Manchester campus, all our faculties arewithin easy travelling distance of the citycentre, so your daily travel costs if living inour halls of residence are likely to be minimal.Likewise at our Crewe campus, our halls ofresidence are within walking distance.

TrainsIf you are aged 16-25, or if you a full-timestudent, you are entitled to a railcard. Itcosts £30 and will save you 1/3 on rail faresthroughout Great Britain for a whole year.To save even more, a 3-year card is £70.Visit www.16-25railcard.co.uk for more information.

BusMajor bus companies have an annual ortermly student bus pass. The major buscompany in South Manchester isStagecoach who offer a termly pass whichcurrently costs £45 per term. You can findmore information on their website atwww.stagecoachbus.com

CarsAt our Manchester campuses parking islimited as we are based in the city centre,so we offer parking only to students with a disability, a medical condition or thosewho hold a European Blue Badge.

At our Cheshire campus in Crewe we havemore capacity for parking, and you canapply for a parking permit at the beginningof the year.

Full details about car parking is available on our travel websitewww.mmu.ac.uk/students/travel

CyclingWe offer ample cycle parking facilities at all our campuses. If you do not currentlyown a bicycle, you can rent one from our iCycle service from £6 per week. Visit www.mmunion.co.uk/icycle for more information.

You can find more information abouttravelling to Manchester MetropolitanUniversity atwww.mmu.ac.uk/students/travel

Travelwww.mmu.ac.uk/students/travel

19

ApplySubmit your application

Apply online for your student finance by 29th May 2015(TBC) at: www.gov.uk/apply-for-student-finance.You do not need to have accepted a place in orderto apply for support.

Set up a bank account

If you do not already have a bank account, you willneed to open one to receive any loans or grants towhich you might be entitled.

Share your details

When completing your application, tick the box marked“Share my details with my university”. We will thenassess your eligibility for the Student Support Packageand will contact you after enrolment. See page 8.

Keep a note of your Customer Reference Number (CRN)

This will be used by Student Finance England throughout your application and while you study.

Household income

If you live with your parents, spouse or partner, they may be asked to submit information about their income. You will need to share your CRN with them so that their information is linked with your application.

ResearchWhat support can you get from Student Finance England?

Visit www.gov.uk/student-finance-calculator, enteryour details and find out what financial support you mayhave access to. See pages 4-5.

Are you entitled to The Manchester Metropolitan Support Package? See page 6.

Plan your budget

Once you know what you will be entitled to, you shouldwork out your budget and consider how you willmanage your money while you study. See pages 16-18.

Check your Tuition FeesOur full-time undergraduate degrees starting inSeptember 2015 have a fee level of £9000 p.a. or £6000p.a. for Foundation Year. Check our online prospectus for your coursewww.mmu.ac.uk/study/undergraduate

Checklist for Student Finance (England)**Please see back cover for confirmation of which students the information in this guide refers to.


DeadlinesApply by 29th May 2015 (TBC) to ensure yoursupport will be in place for September 2015.

Your entitlements

You will receive a Student Finance EntitlementLetter which will set out the details of any loansand grants you are entitled to. You should check itcarefully to ensure all the details are correct andreturn the declaration form to confirm youracceptance of this support.

Enrolment

Enrol online from August 2015 and collect your MMUID card and met card in the week beginning Monday21st September 2015. Once you collect your ID card,the payment of any maintenance grants or loans willbe triggered and we will contact you regarding anysupport you might be entitled to directly from us. Itmay take one to two weeks for payments to arrive from this point.

And next year…

You will need to apply each year to ensure your support is in place for every year of your course.

Contact:Student Finance England, if you have any queries about your entitlement or application:0300 100 0607

1Do I have to pay my tuitionfees up front?All new UK undergraduatestudents are entitled to a TuitionFee Loan to cover these costs, so

you don't need to pay your fees up front. Ifyou have studied for a higher educationcourse (including courses that were notcompleted) your entitlements may beaffected, and you should check withStudent Finance England.

2Will I be able to get supportwith my living costs?All new UK full-timeundergraduate students areentitled to some support with

their costs of living (known as maintenance)as a repayable loan or a non-repayable grantor a combination of both. The amount youare entitled to depends on the income ofyour household (usually your parents). If youhave studied for a higher education coursepreviously (including courses that were notcompleted) your entitlements may beaffected, and you should check with StudentFinance England.

3Where do I apply for studentfinancial support?Your financial support willdepend on the system in thecountry where you normally live,

not where you choose to study. Forexample, if you live in England, you willapply through Student Finance England foryour financial support and they will assessyour eligibility. You may be entitled toadditional support direct from youruniversity, but this will be worked out byyour university from your application toStudent Finance England once you haveyour place.

4When will I receive loansand/or grants?You will receive any loans orgrants you are entitled to onlyafter you have completed your

enrolment at university (in Welcome orFreshers’ Week). You will not receive theTuition Fee Loan yourself as this will bepaid directly to your university onenrolment.

5When do I have to startpaying back my loan?Your Tuition Fee Loan andMaintenance Loan will only berepayable once you are earning

over £21,000 per year. The repayments youmake are on a sliding scale so the more youearn, the more you will pay. The money willbe automatically deducted from your paypacket along with income tax.

6Will my parents beresponsible for my loan?In line with your application touniversity, you will haveresponsibility for managing your

own money and any money you are entitledto will be paid to you and not your parents.

To find out the answers of more of ourFrequently Asked Questions visitwww.ask.mmu.ac.uk

Frequently Asked Questions

www.mmu.ac.uk/moneymatters21

ask ManchesterMetropolitanUniversity

A note about this guide:Please note that the information in this guide relates primarily to students who have noprevious study in Higher Education and who are normally resident in England whenapplying for their full-time place at Manchester Metropolitan University to begin theirstudies in 2015. We have included some introductory finance information for students whocurrently live elsewhere. We welcome applications from across the UK, Europe andinternationally.

The information is accurate at time of going to print, the latest information is available onlineand we have included web addresses for useful sources of information throughout thisguide. Student finance figures are continuously reviewed by the government and otherorganisations, so you need to make sure you have the correct information for the year youare intending to study and your individual situation from the official websites indicated.


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