Student Finance for the 2023/24 Academic Year
March 22, 2023

Everything you need to know about student finance for the 2023/24 Academic Year!
Who is eligible for student finance?
Most students in the UK receive student loans provided by the government to help pay their tuition fees and assist with their living costs at university.
There are two different types of student loan, a tuition fee loan which covers your tuition fees and a maintenance loan which helps with the cost of living whilst at university.
If you’re a UK citizen and have lived here for at least three years, you may be eligible for financial support from the government. Although, there are a few things which affect whether you can receive student finance:
Once you complete the application form, the student finance company for the country you live in will let you know if you’re eligible.
Applying for student finance
From early 2023, to apply online you can go to the gov.uk website and register. The website offers an easy step-by-step guide to completing the application form for student finance.
For those going to university for the first time, applications for full-time undergraduate courses are expected to open in March 2023. Whilst applications for part-time undergraduate courses and postgraduate courses are set to open later in 2023.
So, keep your eyes peeled on the Student Finance social media channels and check your emails. Depending on which country you live in, you will have to apply differently.
Student Finance England - For first-time undergraduate students from England, you can register and apply online for student finance through the Student Finance England website. On the Student Finance England website you are able to track your application, check your student finance payment dates as well as make any necessary changes to your details or information.
Student Finance Wales - If you live in Wales and are applying for the first time for undergraduate funding, you will need to apply for student finance on the Student Finance Wales website. You will be able to track your application, check your student finance payment dates as well as make any changes to your details or information.
Student Finance Scotland - If you are a new full-time undergraduate student from Scotland, applying for student finance is done directly through the Student Awards Agency Scotland . You will be able to track your application, check your student finance payment dates and make changes to your details or information online once applications open.
Student Finance Northern Ireland - First-time undergraduate students from Northern Ireland will be able to apply for student finance funding from early 2023. You will need to apply for student finance through Student Finance NI . You will then be able to track your application, check your student finance payment dates and make changes to your details or information online when applications open.
International Students - You may be able to get a Tuition Fee Loan and support with living costs from the UK government if you’re from an EU country , or Iceland, Liechtenstein, Norway or Switzerland. Check the gov.uk website for more information on student finance for international students.
Continuing Students:
If you’re a continuing student who’s moving on to the next year of your course, repeating a year of your course, returning to a course or even transferring onto a new course, you will need to re-apply for student finance every year. Student Finance will contact you directly to let you know when you can re-apply as a continuing full time student or part time student. So, make sure to check your emails to find out when applications are open. Or, check the Student Finance website or social media channels for the country you’re from!
Tips for applying
Now you know when the applications are opening for student finance 2023, we have a few tips listed in our next section to help you out with the process.
1 - It’s important to apply for student finance at the earliest opportunity when the applications open for the academic year 2023/2024 to ensure that your funding is in place for the start of your course date. You don’t want to leave it too late as this could delay when you receive your maintenance loan. Plus, it’s just better to get it over and done with – it mean’s less stress for you!
2 - You don’t need a confirmed place at university to apply for student finance funding. When applying for student finance, you should use your first choice university. If this changes at a later date or you don’t meet the requirements for a conditional place, it can be changed online.
3 - It’s important to make sure you have all the necessary documents and information ready.
You will need to include your parents income for the means tested maintenance loan if you’re financially dependent. Your parent(s) will then be asked to confirm these details for your maintenance loan entitlement.
So, it’s best to plan a time with your parents or guardians to go through the application together.
You will also have to send in proof of identity through a form of identification such as your passport.
Some of the things you’ll need are listed below:
4 - If you’re an independent student who hasn’t relied on their family financially for at least 3 years, you won’t need to send your parent’s financial information for your application. For those who have married or are in a civil partnership before the start of their course, you won’t need to do this either.
5 - Before you’ve started your application for student finance 2023, we’d recommend setting up a student bank account. Any maintenance loan, grants, bursaries or scholarships you will receive will be paid directly into the bank account you’ve listed on your student loan application form. So, it’s a good idea to set up your student bank account beforehand.
6 - When applying for student finance, it’s important to double check that the information and full details you’ve inputted are correct.To avoid changing your application due to mistakes, we’d suggest having a family member or close friend check over it. Should you need to, you are able to make necessary changes to your application at a later date. However, it may delay when you receive payments at the beginning of the academic year. Don’t worry if your plans change before going to university, you can amend or cancel your funding application. You can do this through your relevant student finance website.
Who is eligible for student finance?
Most students in the UK receive student loans provided by the government to help pay their tuition fees and assist with their living costs at university.
There are two different types of student loan, a tuition fee loan which covers your tuition fees and a maintenance loan which helps with the cost of living whilst at university.
If you’re a UK citizen and have lived here for at least three years, you may be eligible for financial support from the government. Although, there are a few things which affect whether you can receive student finance:
- Your nationality or residency status
- You must be studying a higher education course for the first time
- The course and university you are studying at
- Your age
Once you complete the application form, the student finance company for the country you live in will let you know if you’re eligible.
Applying for student finance
From early 2023, to apply online you can go to the gov.uk website and register. The website offers an easy step-by-step guide to completing the application form for student finance.
For those going to university for the first time, applications for full-time undergraduate courses are expected to open in March 2023. Whilst applications for part-time undergraduate courses and postgraduate courses are set to open later in 2023.
So, keep your eyes peeled on the Student Finance social media channels and check your emails. Depending on which country you live in, you will have to apply differently.
Student Finance England - For first-time undergraduate students from England, you can register and apply online for student finance through the Student Finance England website. On the Student Finance England website you are able to track your application, check your student finance payment dates as well as make any necessary changes to your details or information.
Student Finance Wales - If you live in Wales and are applying for the first time for undergraduate funding, you will need to apply for student finance on the Student Finance Wales website. You will be able to track your application, check your student finance payment dates as well as make any changes to your details or information.
Student Finance Scotland - If you are a new full-time undergraduate student from Scotland, applying for student finance is done directly through the Student Awards Agency Scotland . You will be able to track your application, check your student finance payment dates and make changes to your details or information online once applications open.
Student Finance Northern Ireland - First-time undergraduate students from Northern Ireland will be able to apply for student finance funding from early 2023. You will need to apply for student finance through Student Finance NI . You will then be able to track your application, check your student finance payment dates and make changes to your details or information online when applications open.
International Students - You may be able to get a Tuition Fee Loan and support with living costs from the UK government if you’re from an EU country , or Iceland, Liechtenstein, Norway or Switzerland. Check the gov.uk website for more information on student finance for international students.
Continuing Students:
If you’re a continuing student who’s moving on to the next year of your course, repeating a year of your course, returning to a course or even transferring onto a new course, you will need to re-apply for student finance every year. Student Finance will contact you directly to let you know when you can re-apply as a continuing full time student or part time student. So, make sure to check your emails to find out when applications are open. Or, check the Student Finance website or social media channels for the country you’re from!
Tips for applying
Now you know when the applications are opening for student finance 2023, we have a few tips listed in our next section to help you out with the process.
1 - It’s important to apply for student finance at the earliest opportunity when the applications open for the academic year 2023/2024 to ensure that your funding is in place for the start of your course date. You don’t want to leave it too late as this could delay when you receive your maintenance loan. Plus, it’s just better to get it over and done with – it mean’s less stress for you!
2 - You don’t need a confirmed place at university to apply for student finance funding. When applying for student finance, you should use your first choice university. If this changes at a later date or you don’t meet the requirements for a conditional place, it can be changed online.
3 - It’s important to make sure you have all the necessary documents and information ready.
You will need to include your parents income for the means tested maintenance loan if you’re financially dependent. Your parent(s) will then be asked to confirm these details for your maintenance loan entitlement.
So, it’s best to plan a time with your parents or guardians to go through the application together.
You will also have to send in proof of identity through a form of identification such as your passport.
Some of the things you’ll need are listed below:
- E-mail Address
- Bank Account
- University & Course Details
- In-date Passport
- Household Income
- Other Benefits
4 - If you’re an independent student who hasn’t relied on their family financially for at least 3 years, you won’t need to send your parent’s financial information for your application. For those who have married or are in a civil partnership before the start of their course, you won’t need to do this either.
5 - Before you’ve started your application for student finance 2023, we’d recommend setting up a student bank account. Any maintenance loan, grants, bursaries or scholarships you will receive will be paid directly into the bank account you’ve listed on your student loan application form. So, it’s a good idea to set up your student bank account beforehand.
6 - When applying for student finance, it’s important to double check that the information and full details you’ve inputted are correct.To avoid changing your application due to mistakes, we’d suggest having a family member or close friend check over it. Should you need to, you are able to make necessary changes to your application at a later date. However, it may delay when you receive payments at the beginning of the academic year. Don’t worry if your plans change before going to university, you can amend or cancel your funding application. You can do this through your relevant student finance website.

By Oliver Wright
•
July 14, 2026
Common Student Renting Myths Debunked! Starting university is an exciting milestone, but it can also feel overwhelming. For many students, it’s the first time managing responsibilities such as finding accommodation, signing tenancy agreements, and budgeting for rent and household bills. Unfortunately, there are plenty of misconceptions about student renting that can make the process seem even more complicated. Here are some of the most common myths—and the reality behind them. Myth #1: Students Have Fewer Tenant Rights Being a student does not reduce your legal rights as a tenant. Students are entitled to the same protections as any other renter, including the right to live in a safe property, have their deposit protected, and receive clear tenancy terms. Your status as a student does not affect these rights. Recent changes to rental legislation have also focused on strengthening tenant protections, making it even more important to understand what you're entitled to when renting a property. Myth #2: Landlords Can Keep Your Deposit for Any Reason A common misunderstanding is that landlords can deduct money from a deposit whenever they choose. In reality, deposits are protected and can only be used for legitimate reasons. Deductions are typically made for issues such as unpaid rent or damage beyond normal wear and tear. Any charges should be reasonable and supported by evidence. To protect yourself, it's a good idea to take photographs or videos of the property when you move in and again when you move out. Having a clear record can be invaluable if a dispute arises over the condition of the property. Myth #3: You're Only Responsible for Your Own Rent This depends entirely on the tenancy agreement you sign. With an individual tenancy agreement, each tenant is responsible for their own rent payments. However, many shared houses operate under a joint tenancy agreement, where all tenants share responsibility for the full rent amount. In a joint tenancy, if one tenant fails to pay, the landlord may pursue the remaining tenants for the outstanding balance. Before signing any contract, make sure you understand how rent liability is structured and what responsibilities you may have. Myth #4: Every Student Area Is Loud and Full of Parties Student neighbourhoods often have a reputation for being noisy, but reality is usually more varied. Students come from different backgrounds, age groups, and lifestyles. While some households enjoy a busy social life, others prefer a quieter environment focused on studying, work, or personal commitments. If you're moving into a shared property, it's worth discussing expectations and lifestyles with potential housemates beforehand to ensure a good fit. Myth #5: Student Housing Is Always Expensive The cost of student accommodation can vary significantly depending on the type of property you choose. Purpose-built student accommodation often includes additional facilities such as security, gyms, study spaces, and social areas, which can increase costs. However, there are also many affordable alternatives, including shared houses, university halls, and private rentals. Exploring a range of accommodation options can help you find something that suits both your budget and your lifestyle. Further thoughts.. With so much information available online, it's easy for myths and misunderstandings about student renting to spread. Taking the time to research, ask questions, and understand your tenancy agreement can help you make informed decisions and avoid unnecessary stress. If you are ever unsure about your rights or responsibilities, don't hesitate to seek advice!



