Student Finance - Undergraduate Students

 

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​Undergraduate Tuition Fees 

Undergraduate tuition fees for full-time, home (UK/EU) students will be £9,000 for 2016 entry. 

However, EU students, and students who live in Wales, studying towards their first degree,​ could be eligible for a non-repayable tuition fee grant of £5,100​​ from the Welsh Government (subject to terms and conditions).

Full and Part-time Fees

For a full fee table and details of courses with additional costs ​please see the related links.  For further information please ​view the Guide to Tuition Fees.

Financing your way through University 

Going to university is a considerable financial investment, but you should remember that holding a higher qualification such as a degree will improve your job prospects, making it easier to find a fulfilling and well paid job.

During you time at university you will have two main costs to meet, your tuition fees and living costs. As a full-time undergraduate student, you may be eligible for a package of financial support made up of:

A tuition fee loan - to cover the cost of your course fees.
A maintenance loan - to help with additional​ living costs like accommodation, food and books.
A means tested, non-repayable grant (Welsh students only).

You can calculate how much you could be entitled to by using one of the following student finance calculators:

Welsh Students - Funding Calculator
English Students - Funding Calculator
Northern Irish Students - Funding Calculator
Scottish Students - Funding Calculator

Frequently Asked Questions​​

Do I need the funds to pay the tuition fees up front?

Ordinarily No (eligibility determined by Student Finance) – In most circumstances, on application, funding of Loans/ Grants are provided to cover tuition fees for the duration of your three or four year course and these are only r​epayable once your annual salary exceeds £21,000.00.

If you take a career break or your salary falls below £21,000, your repayments will stop.

Remember - After 30 years any remaining debt is wiped.

Is there more than one type of student loan available?

Yes – You can apply for two types of student loans:

Tuition Fee​ Loan
This automatically paid to your university to cover the cost of your course.

Maintenance Loan
There to help with the cost of living (such as accommodation, books, food and other additional costs you may incur),​ and are paid directly into your bank in three instalments during the academic year to help you manage your money.

Does everyone qualify to receive a student loan?

Yes - Student loans (both tuition fee and maintenance loans are available for all students who meet the eligibility, visit the relevant website based on your nationality (see calculator links).

Tuition fee loans are available for the full cost of your course, no matter what your personal financial situation.

Maintenance loans differ slightly, in that, they are means tested (dependent on your parents salary and/or household income) and given in conjunction with maintenance grants (Welsh students only. These are non-repayable meaning you will never have to pay them back).​

When should I apply for these loans and financial support?

If you want to make sure that you receive the first instalment​ of your loan (and grants) when you start university, you must apply for your financial support as soon as you decide to apply to university, not wait until you are offered a place. Applications must be renewed each academic year.

What if I leave my course early​?

If you should decide to leave your course early, you may be required to repay your tuition fee loans:

You have a two week grace period at the beginning of your course to change your mind and exit without being eligible to repay any tuition fees.

If you wish to exit your course during the first term, you will be liable for 40% of your full academic years tuition fees.*

If you wish to exit your​ course in the second term, you will be liable for 70% of your full academic years tuition fees.*​

If you wish to exit your​ course in the third term, you will be liable for the full academic years tuition fees.

You will only be required to start paying back the tuition fee loan when you start earning £21,000 or above (see more information below).

For information regarding the repayment of maintenance loans, please contact your local student loan authority (Student Finance Wales/England/Northern Ireland/Scotland).

*If you are funded via Student Finance, we would only charge you up to the maximum fee support available, this may be under the amount of the above percentages.

What about repaying my student loan?

You won't be eligible to repay the loan until you graduate and begin earning £21,000 or over; monthly repayments are 9% of everything you earn above this figure. Loan repayments are taken from your ‘net’ pay through the Income Tax system. Therefore, like Income Tax and National Insurance, the money never actually makes it into your bank and if your income ever falls below £21,000, you don't get a job or take a career break, your payments will stop. See the table below for example repayments:

Annual income before taxMonthly income before tax Amount repayable per month​
​Up to £21,000​Up to £1,750£0
​£25,000​£​2083.33​£30
​£30,000​£2500​£67

Where can I find out more information and apply?

For more information on financing your way through university and to apply for the various loans and grants available, take a look at the websites below, depending on where you live:

Welsh students: www.studentfinancewales.co.uk
English students: www.direct.gov.uk/studentfinance 
Northern Irish students: www.studentfinanceni.co.uk
Scottish students: www.saas.gov.uk

You can also take a look at the following guide: Cardiff Met Guide to Fee Payments.​

You can also contact our Student Financial Advisory Service by calling: 029 2041 6170 or emailing: financeadvice@cardiffmet.ac.uk

Finally, remember to come and visit us at an undergraduate Open Day​, where you and your parents can find out more about Student Finance and ask our staff any questions you may have.

 

Student Financial Advisory Service 
Our Student Services department offers a support service should you have any questions about possible support that may be available to you whilst you study. For more information, visit their web pages​ or email: financeadvice@cardiffmet.ac.uk.

Bursaries and Scholarships 
The University also offers a range of bursaries and scholarships designed to help students succeed. For further information please click here​.​​