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Debt Advice

As a student, it is sometimes difficult to manage and budget your money, which can potentially lead to debt and financial difficulty.

If you expect to, or are currently experiencing, financial difficulty which might affect your ability to pay your University fees or accommodation costs it is important that you contact the University as soon as possible.

You can contact the Finance Team on to discuss alternative payment arrangements that will help you get back on track. Alternatively, you may also wish to speak to a member of our funding and advice team through The Hub or Student Link on your campus.

Payment plans & UWS debt

Payment Plans

The best way to pay for your accommodation or tuition fees is by using our online payment facility. This allows you to pay off your tuition fees or accommodation rent in either three or seven installments. Once it’s set up, your card will be debited automatically for every installment date.

Tuition Fees Payment Methods

UWS debt

If you are struggling to pay for your accommodation or tuition fee costs, the University will offer as much support as possible to help you get back on track, however, we do have some procedures that we need to follow to ensure that no student accumulates an unmanageable level of debt.

Student Policies

Take control of your debt

Borrowing money is often an inevitable part of student life. It is important to stay on top of your debt so things don’t spiral out of control as the impact of not making your repayments can be significant and long lasting.

Our debt toolkit can help you stay in control of your debts, avoid any money mishaps, and ensure that you are getting the most of your repayments.

If you are thinking about borrowing money, visit our borrowing money page for more information before you make any decisions. You can also contact us if things have got a little out of control. 

Seeking advice

Falling behind with debt repayments can have a big impact on your life. Your credit history can be affected which can make it more difficult to buy or rent a home, take out a mobile phone contract, buy a car or pay for insurance on a monthly basis.

However, there is a lot of help available if you find yourself in a difficult situation.

Don’t be too shy or embarrassed to ask for help. The services offered by the organisations below are impartial and non-judgemental.

Funding and advice team

The funding and advice team at UWS can help and advise you on all aspects of managing your money as a student, including:

  • Helping you maximise your income by ensuring you are getting your full package of student support, and any additional funds that you may be eligible for

  • Helping you to set up a budget that is realistic, identify areas where you may be able to save money and create an action plan for your debts

  • Helping you access free and professional debt advice

  • You can make an appointment to speak to one of our team through The Hub or Student Link on your campus.

The Money Advice Service

The Money Advice Service is an independent service, set up by the government, to help people manage their money. They do this through a free and impartial advice service and also work in partnership with other organisations to help people make the most of their money.

Citizens Advice Scotland

Citizens Advice Scotland offers the largest independent advice network in Scotland through Citizens Advice Bureaux across the country. They have a lot of useful information online to help you manage your money, and also have professional, qualified advisers available to guide you through an action plan.

National Debtline

National Debtline is a free, independent and confidential debt advice service run by the charity Money Advice Trust. They have a lot of useful information including guides, fact sheets, budget tools and sample letters to help you write to your creditors. They also have a free advice line that you can use to speak to expert advisers who can help you deal with your debt.

Last updated: 12/12/2017

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