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Loan Information - Hardship Loans


Student Borrowing - Hardship Loans


About Hardship Loans and the Hardship Fund

If you’re an eligible student doing a full-time higher education course, you can take out a Student Loan for Tuition Fees to cover your tuition fees and a Student Loan for Maintenance to help with your accommodation and other living costs.

Student Loans from the government: how do they work?
Student Loans are there to help with the costs of higher education. They’re issued by Student Finance Direct, a service managed by the Student Loans Company in partnership with local authorities and the government.

The interest on Student Loans is linked to the rate of inflation, so in real terms what you repay will be broadly the same as what you borrowed.

There are two types of loan available - you can take out either or both:

  • a Student Loan to cover your tuition fees - called the ‘Student Loan for Tuition Fees’
  • a Student Loan to help with your accommodation and other living costs - called the ‘Student Loan for Maintenance’


OCIS provide general financial information, we urge you to consult an Independent Financial Adviser ( IFA )
before making any important decisions about your finances.