Funding Your Course

Funding Your Course
  • This section will primarily provide you with information on what statutory funding is available to you as you commence or continue on your course of study. If you would like to know more about any additional funds you may be able to apply for, please visit www.uws.ac.uk/funds for details.

    Your should also think about how you are going to spend your student funding and consider if it will be enough to live on while you study. You should visit our Money Advice page for more information on how to make your money go further. 

    What is statutory funding?

    Statutory funding is the funding you are entitled to receive as help towards your studies. It usually comes from government and can include support towards tuition fees and living costs. Not all courses or levels of study have statutory funding attached so it is important you do your research before committing to a course of study.

    The second section below provides details about funding for students who may have to repeat periods of study, have resits or decide not to continue on their course. The information in this section is very basic as we strongly recommend any student in this position seeks one-to-one guidance from an adviser.

  • Funding Your Course

    NEW FULL-TIME UNDERGRADUATES FROM SCOTLAND

    Pre-reg Nursing/Midwifery? This information does not apply to you. Check out your dedicated section below. 

    Funding for students from Scotland is administered by an agency of the Scottish Government known as SAAS (Student Awards Agency for Scotland). The SAAS website has a lot of useful information for Scottish students, as well as a very handy SAAS Funding Guide 2014-2015

    In basic terms, student funding packages are made up of support for tuition fees and support for living costs in the form of a bursary and/or a student loan. You must apply to SAAS every year for funding, even if you just want tuition fee support. Applications are done online, through the SAAS website.

    There are quite complex rules about how previous study/funding can affect the funding you are entitled to. If you have already had funding for the level of study you want to do we recommend you contact a member of our team who can advise you what funding you are entitled to. 

    Tuition Fees:
    It currently costs £1,820 per year for Scottish students to study a degree in Scotland. The cost of tuition for eligible Scottish students are met by SAAS each year but you can usually only get this funding once at each level of study, with an extra year of funding available in case of emergencies. 

    Bursary*:
    There are 2 types of bursary – Young Student Bursary and Independent Student Bursary. The one you can apply for depends on your age and circumstances. You will find full details on pages 4 and 5 of the SAAS Funding Guide 2014-2015. This is the part of your student package that you don’t have to repay. You can usually only get this funding once at each level of study, with an extra year of funding available in case of emergencies. 

    *There are some additional grants available to certain students. See page 9 of the SAAS Funding Guide 2014-2015 for more information. 

    Student Loan:
    Student loans are available on top of bursaries and are the largest element of your student support package. You do not have to take out the student loan, or can elect to take out only a proportion of what you are offered. The student loan is repayable and does accrue interest but it is much cheaper than other types of finance such as bank loans, overdrafts or credit cards. 

    Interest on your loan is linked to inflation. This means the amount you pay back will be about the same in real terms as the value of the amount you borrowed. You start repaying the student loan after you leave your course, get a job and are earning over a certain amount which increases year on year (in other words, the repayment is income-contingent). Most students will repay their loans through HM Revenue and Customs either by employers taking amounts from pay through the PAYE system or through the tax self-assessment process. How quickly you repay your loan will generally depend on how much you earn. You can also make voluntary payments, at any time, direct to the SLC. 

    Worried about the loan?
    If the thought of having student loan debt worries you, we can discuss it with you and make sure you have the facts before making a decision. If you feel that you can afford to get through your studies without the loan, and without accessing other types of debt, by all means don’t take out a student loan. However, if you can’t get by on only the bursary, the student loan is the cheapest form of credit available and comes with a level of protection that other debts don’t (i.e. only repaying when you earn over the threshold).

    CONTINUING FULL-TIME UNDERGRADUATES FROM SCOTLAND

    Pre-reg Nursing/Midwifery? This information does not apply to you. Check out your dedicated section below. 

    SAAS funding can change each year so it is important you familiarise yourself with these changes and don’t assume you will get the same support that you have had previously. The SAAS website has a lot of useful information for Scottish students, as well as a very handy SAAS Funding Guide 2014-2015

    You must apply to SAAS every year for funding, even if you just want tuition fee support. You shouldn’t wait for your results and should apply as early as possible (from April).

    There are quite complex rules about how previous study/funding can affect the funding you are entitled to and these rules have recently changed. If you have already had funding for the level of study you want to do we recommend you contact a member of our team who can advise you what funding you are entitled to. 

    Tuition Fees: 

    It currently costs £1,820 per year for Scottish students to study a degree in Scotland. The cost of tuition for eligible Scottish students are met by SAAS each year but you can usually only get this funding once at each level of study, with an extra year of funding available in case of emergencies. 

    Bursary*:
    There are 2 types of bursary – Young Student Bursary and Independent Student Bursary. The one you can apply for depends on your age and circumstances. You will find full details on pages 4 and 5 of the SAAS Funding Guide 2014-2015. This is the part of your student package that you don’t have to repay. You can usually only get this funding once at each level of study, with an extra year of funding available in case of emergencies. 

    *There are some additional grants available to certain students. See page 9 of the SAAS Funding Guide 2014-2015 for more information. 

    Student Loan:
    Student loans are available on top of bursaries and are the largest element of your student support package. You do not have to take out the student loan, or can elect to take out only a proportion of what you are offered. The student loan is repayable and does accrue interest but it is much cheaper than other types of finance such as bank loans, overdrafts or credit cards. 

    Interest on your loan is linked to inflation. This means the amount you pay back will be about the same in real terms as the value of the amount you borrowed. You start repaying the student loan after you leave your course, get a job and are earning over a certain amount which increases year on year (in other words, the repayment is income-contingent). Most students will repay their loans through HM Revenue and Customs either by employers taking amounts from pay through the PAYE system or through the tax self-assessment process. How quickly you repay your loan will generally depend on how much you earn. You can also make voluntary payments, at any time, direct to the SLC. 

    Worried about the loan?
    If the thought of having student loan debt worries you, we can discuss it with you and make sure you have the facts before making a decision. If you feel that you can afford to get through your studies without the loan, and without accessing other types of debt, by all means don’t take out a student loan. However, if you can’t get by on only the bursary, the student loan is the cheapest form of credit available and comes with a level of protection that other debts don’t (i.e. only repaying when you earn over the threshold).

    NEW/CONTINUING FULL-TIME UNDERGRADUATES FROM ENGLAND, WALES OR NORTHERN IRELAND

    Pre-reg Nursing/Midwifery? This information does not apply to you. Check out your dedicated section below. 

    Students from the Rest of the UK (RUK) are subject to different rates of Tuition Fees than their Scottish counterparts. If you are coming to study at UWS from the rest of UK, you will also apply for your statutory funding from a different funding body.

    In basic terms, student funding packages are made up of support for tuition fees in the form of a tuition fee loan/grant and support for living costs in the form of a grant (which is not repayable) and/or a student loan. You must apply every year for funding. To qualify for assistance you must be eligible under the criteria set out by your funding body. These criteria may relate to residency, previous study etc.

    You can use the links below to see the information we have online exclusively for students from the rest of the UK and to find out what student funding you are entitled to.

    Students from England: 
    Visit www.uws.ac.uk/england for dedicated information on life at UWS for students from England, including details of how much it costs to study here.

    Your funding body will be Student Finance England. You can find out more about the support available to you and details of how to apply at www.gov.uk/student-finance.

    In basic terms, you may be able to get up to £9,000 as a Tuition Fee Loan, up to £5,555 as a living costs loan and up to £3,387 as a maintenance grant. The amount you get as a maintenance grant with affect the amount of living cost loan you receive.  

    Students from Northern Ireland: 
    Visit www.uws.ac.uk/ni for dedicated information on life at UWS for students from Northern Ireland, including details of how much it costs to study here.

    Your funding body will be Student Finance NI. You can find out more about the support available to you and details of how to apply at www.studentfinanceni.co.uk  

    In basic terms, you may be able to get up to £9,000 as a Tuition Fee Loan, up to £4,840 as a living costs loan and up to £3,475 as a maintenance grant. The amount you get as a maintenance grant with affect the amount of living cost loan you receive. 

    Students from Wales: 
    Visit www.uws.ac.uk/wales for dedicated information on life at UWS for students from Wales, including details of how much it costs to study here. 

    Your funding body will be Student Finance Wales. You can find out more about the support available to you and details of how to apply at www.studentfinancewales.co.uk.  

    In basic terms, you may be able to get up to £5,315 as a Tuition Fee Grant and a further £3,685 as a Tuition Fee Loan, up to £5,202 as a living costs loan and up to £5,161 as a maintenance grant. The amount you get as a maintenance grant with affect the amount of living cost loan you receive.  

    PART-TIME UNDERGRADUATES

    There are various funding schemes for your part-time undergraduate studies and care should be taken to ensure you choose the best one for you. If you are thinking about studying at UWS on a part-time basis, you should also visit www.uws.ac.uk/pt for details of courses, information sessions and contact details for our Lifelong Learning Academy who can support you.  You may also wish to check out our Part-time Funding Guide.

    ILA200 

    The ILA200 comes from ILA Scotland (ILA stands for Individual Learning Account but these are also called Skills Development Scotland Learning Accounts). This is designed to provide some support to people who have an income of £22,000 a year or less and want to do part time study. The ILA200 is £200 towards the cost of a module. You would then be responsible for paying the balance.

    To see the details of this scheme, please visit the Part Time Study section of our website. 

    To request an application pack or for further information call the ILA Scotland helpline free on 0808 100 1090 or visit www.ilascotland.org.uk 

    Part Time Fee Grant 
    The Part time Fee Grant is administered by the Student Awards Agency for Scotland. It is designed to provide some support to people who have an income of £25,000 a year or less and want to do part time study. The Part Time Fee Grant is calculated based on the number of credits you are studying (you can study between 30 and 119 credits in an academic year to qualify) and is worked out on a pro-rata basis in relation to fees for full time undergraduates.

    For example, full-time undergraduate fees for Scottish students are £1,820 for a year. This covers 120 credits. A part-time student wishing to study 60 credits, which is half of the credits in a full-time year, will be able to get half of the cost of a full time year, so £910 towards tuition fees.

    Applications to SAAS are only accepted for up to one month after your course starts. You can download an application form from the SAAS website here when the applications for 2013-14 are available.

    Once you have completed the application form, an Education Guidance Adviser from the Lifelong Learning Academy needs to complete the relevant section to authorise your programme of study. You should then post your application to SAAS within the one month deadline. If your application is successful you will be sent an award letter which you should then submit to our Finance department where the funding will be claimed. 

    UWS Fee Waiver Scheme 

    The University offers a 50% reduction to part-time students at undergraduate level for State Pensioners and recipients of Job Seekers Allowance who have not met the 6 week time criteria detailed under the Government Fee Waiver Scheme. 

    The University Fee Waiver does not apply to any reduced price module or course, for example first or next steps module, and is applicable for up to 100 credits of study.

    POSTGRADUATES (FULL AND PART-TIME)

    PGDE or PGDipCE students should look at the full-time undergraduates sections as these courses, although they are postgraduate level, are funded in the same way as undergraduate courses. 

    Funding at postgraduate level is very different to undergraduate funding. Not all courses have statutory funding attached. If you are lucky enough to find funding, it is usually only for fees so please also think about how you will support yourself.  It is important you thoroughly research funding availability and plan ahead and budget appropriately.  Check out our Guide to Funding your Postgraduate Studies at UWS.

    This section will talk you through funding schemes that you may find useful but will also provide links to websites that you could use to search for funding. These links are by no means exhaustive but are here to provide you with a starting point for your research. You may also wish to visit www.uws.ac.uk/trusts for more links.

    Student Awards Agency for Scotland (SAAS) 
    SAAS administer the Postgraduate Tuition Fee Loan, but only to certain courses. You can find a comprehensive list of these courses on the SAAS website here. Applicants can apply from early April and you can download an application from the website here.

    This scheme is open to both full and part time students. The Tuition Fee Loan is repayable under the same rules as the student loan for living costs you may have received as an undergraduate. 

    Postgraduate students cannot currently apply to SAAS for a loan for living costs.   

    Renfrewshire Educational Trust - Taught Masters Award
    More information is available here 

    This is a non-repayable award towards the tuition costs of a 1 year full time taught masters. Applicants must meet the criteria as laid out at the link above, and should also follow application procedures at the above link. 

    Carnegie Cameron Postgraduate Bursary 

    UWS has been allocated 5 prestigious bursaries to be awarded to successful candidates and to be used towards payment of tuition fees only. The maximum value of a Bursary for 2014-15 is £4,000*. The bursary is available if you are studying a Masters level course, either one year full time or two years part time. Courses that only lead to a certificate or diploma are not eligible. Research based postgraduate courses are also exempt from this scheme.

    Candidates will be selected on the basis of their merit and promise, and financial needs. The most important selection criteria will be those envisaged by Andrew Carnegie: that the candidates are qualified and deserving, industrious and ambitious, and that they would derive particular benefit from obtaining a postgraduate degree, which they would be unlikely to attend without the award.

    Full application details can be found at www.uws.ac.uk/trusts 

    *If your course fees are less than this, the Trust will pay the lower fee amount. If the fee is more, you just need to pay the outstanding amount.

    Professional Career Development Loans 
    More information is available here 

    Professional and Career Development Loans are bank loans to pay for courses and training that help with your career or help get you into work. You may be able to borrow between £300 and £10,000. Loans are usually offered at a reduced interest rate and the government pays interest while you’re studying.

    For more information, including details about how to apply, please visit the link above.

    UWS Graduate Voucher Scheme 

    The University offers all recent graduates a 50% discount on any standard priced Postgraduate or Undergraduate module, undertaken within 1 year of graduation. Graduates will be posted a voucher, which they should present to Finance before online enrolment or having a module added to their existing programme.

    This scheme does not apply to students undertaking an MSc Dissertation or modules with non-standard fees. 

    Places to start your research… 
    We cannot offer dedicated advice on the availability of postgraduate funding as the world of trust and scholarships is vast and depends very much on individual circumstances. If you want to try and find funding for your postgraduate studies, you can start by using the links below but should not limit your search to only these organisations. 

    - The National Postgraduate Committee 

    - Prospects 

    - Wellcome Trusts 

    PRE-REGISTRATION NURSING/MIDWIFERY

    There is a reciprocal agreement that allows students from elsewhere in the UK to study pre-registration Nursing or Midwifery courses in Scotland and receive the same funding as Scottish students on these courses.  

    If you are thinking about studying a pre-registration Nursing or Midwifery course at UWS, it is important you understand that the funding rules for these courses are very different than other undergraduate courses. Nursing and Midwifery students receive funding through the Nursing and Midwifery Student Bursary Scheme (NMSB) which comes from the Scottish Government Health Directorate but is administered by an agency of the Scottish Government known as SAAS (Student Awards Agency for Scotland). 

    In basic terms, funding for Nursing and Midwifery students is in the form of non-repayable bursaries/grants. Nursing and Midwifery students do not apply for a student loan and cannot choose to apply for one on top of their statutory funding. The Nursing and Midwifery Student Bursary Scheme (NMSB) consists of a bursary that is not income assessed and a number of additional bursaries/grants that are dependent on your circumstances. 

    The SAAS website details the financial support available and how you can apply. 

    EU (UNDERGRADUATES AND POSTGRADUATES)

    Undergraduates:
    If you are an EU national, you may be able to apply to have your Tuition Fees paid if: 

    - You are taking a course of full-time study in Scotland and plan to graduate in Scotland.* 

    - You do not already have a degree for which you received support from your home country, another EU member state or the European Social Fund.   

    You should apply to an agency of the Scottish Government known as SAAS (Student Awards Agency for Scotland) and can find further details, as well as the online application, on their website here 

    Please Note: Funding for eligible EU students is restricted to Tuition Fees only. You cannot apply for any further bursaries or loans through the Scottish Government so it is important you plan ahead and have enough funding to meet the cost of living in Scotland.  

    Please visit our Money Advice page for information on how much it can cost to live in Scotland and how you can make your money go further. 

    *SAAS will not pay your tuition fees if you are studying in Scotland for one year as part of your course at your home institution, to which you will transfer credits, return to and graduate from.   

    Postgraduates:
    If you are an EU national, you may be able to apply to receive support for Tuition Fees* if you are undertaking a postgraduate course supported by the SAAS Postgraduate Student Allowances Scheme, and have not already used UK or EU public funds to fund study at this level.

    The SAAS website details the courses that are supported under this scheme along with full eligibility criteria for this funding. You will find this here

    *The Tuition Fee support as part of this scheme is in the form of a repayable student loan. You will find out more information about how this works on the SAAS website here

    Please Note: You cannot apply for any further bursaries or loans through the Scottish Government so it is important you plan ahead and have enough funding to meet the cost of living in Scotland. 

    Please visit our Money Advice page for information on how much it can cost to live in Scotland and how you can make your money go further. 

    If your course is not one of the courses supported by the SAAS Postgraduate Student Allowances Scheme, you may find alternative options in the Postgraduate section above. 

    INTERNATIONAL (UNDERGRADUATES AND POSTGRADUATES)

    The Scottish Government does not provide any statutory student funding to International students studying in Scotland. To find out everything you need to know about being an international student at UWS, you should visit www.uws.ac.uk/international-students 

    The University does offer several scholarship and incentive schemes. You can find full details online here

  • If things don’t go according to plan…

    RESITS IN AUGUST

    Information is currently for full-time Scottish undergraduate students only. 

    If you didn’t pass everything first time around, you will have other opportunities. The normal resit diet is in August but you shouldn’t wait for your results to apply for your SAAS support for your next year of study. The fees you have paid in September cover the resit diet in August so you usually don’t have any further fee to pay. You don’t get any extra student loan or bursary support. 

    If you pass everything in the August resit diet, you can move onto your next level of study without any problems. If things do not go to plan see ‘Carrying forward resits into your next year’ and ‘Taking time out to do resits’.

    CARRYING FORWARD RESITS INTO YOUR NEXT YEAR

    Information is currently for full-time Scottish undergraduate students only. 

    If you don’t pass your assessments in the August diet, or are unable to attempt them, you may be able to carry forward some outstanding modules but this depends on your level of study and how much you have to carry forward. You can talk to your personal tutor or course leader about this. 

    If you do carry forward outstanding modules, you normally do not need to pay any extra tuition fees unless you have exhausted your three attempts and need to start the module again from the beginning.  

    It is also very important to consider how you might cope with more than the normal 6 modules in an academic year. If you struggled before, you might want to avoid any additional pressure and consider taking time out to complete your outstanding modules before progressing to your next level of study. There are various ways of doing this noted in the ‘Taking time out to do resits’ section. 

    TAKING TIME OUT TO DO RESITS

    Information is currently for full-time Scottish undergraduate students only.  

    If you can’t progress with your outstanding modules or would prefer not to carry them with you into your next level of study, there are various options available that would allow you to complete your modules before progressing. 

    Assessment Only: 
    Assessment only is a status that the University uses for students who can’t/don’t progress to their next level of study in the new academic year because they have outstanding assessments. Students in this category will usually still have one or more of their three attempts remaining so not have to pay tuition fees. Instead, you would only pay a £40 registration fee. 

    Assessment only students are not required to attend so do not qualify for any student support through SAAS. This means you can’t get a student loan to help meet the costs of living. In addition, you do not become eligible for any benefits that you couldn’t get as a full-time student (for example, Job Seekers Allowance).

    Many students would find it very difficult to support themselves without any student loan or benefit income. If you don’t want to be assessment only, there are options but you should speak to an adviser to ensure the advice you get is tailored to your circumstances and you understand your options.

    Part-Time: 
    If undertaking your assessments as an assessment only student does not appeal to you, you may wish to consider spending the year as a part-time student. You will be able to undertake your outstanding modules as a part-time student which would allow you to attend all the classes and would mean you could access the benefit system if you were eligible.

    Studying on a part-time basis would incur a fee but there are methods of funding available that may suit you. You should check out the Part-Time section above.

    Part-time students do not apply for a student loan or bursary, but you can apply for help meeting the costs of books, travel and childcare that you incur directly as a result of your part-time study.

    Full-Time: 
    If you’d like to continue being a full-time student, it may be possible to undertake your outstanding assessments on a full-time basis. This means you can apply to SAAS for support, however, the support will be limited to the student loan only unless you can use your +1 to obtain the full funding package.

    What is the +1?
    From the 2013-2014 academic session, the SAAS rules are changing to allow most students to get an extra year of funding for their full-time studies. If you have not previously used the false start or repeat year funding rules, you may still have access to this +1 which would allow you to get the full funding package to repeat your year of study.

    When to use the +1:
    You only get once +1 so it is important you carefully consider the options available to you before exhausting your +1. For example, if you fail one module in your first year, you may wish to be assessment only or part-time to re-do this module instead of exhausting your +1 so early on and for only one module.

    We are here to help you make the right decision. The information on this webpage is basic and is not tailored to you. Before making your decision, we strongly recommend you book an appointment to discuss your circumstances with an adviser. 

  • Continuing students should apply for funding early, and should not wait for the results of assessments.  You must apply for funding in every year of study and it is your responsibility to do so.

    All students should carefully consider any closing dates when applying for funding so as to avoid any disappointment.

    Student funding can affect benefit entitlements. Check this out early to avoid any disappointment.  Visit our dedicated benefits page here.
  • Need More Help?

    Our Funding & Advice Team are happy to help you understand the different funding opportunities and compare the best funding solution for your needs. If necessary they can also assist and help guide you through the application process. Click here to arrange an appointment with an adviser.

     

  • Check out these funding guides and booklets

    Postgraduate Funding Guide

    Funding Postgraduate Study at UWS May 13_Page_1_L 

    Part-time Funding Guide 

     PT Guide Cover_L 

    SAAS Funding Guide 

       SAAS Front Page 14-15 Guide 


2014 University of the West of Scotland
University of the West of Scotland is a Registered Scottish Charity. Charity number SC002520.
Copyright & Privacy | FOI | Accessibility | Sitemap