We can help if you run into financial problems. Our Money Support team offer confidential financial advice, whatever your situation. We also have access to discretionary and childcare funds.
All UK students are entitled to take out a student loan to help meet living costs.
If you’re a Scottish student and have taken out a loan with SAAS, you’re not required to start paying back the loan until the April after you’ve graduated and are earning a salary of above £17,775 per annum. This threshold normally increases every year with inflation.
If you live elsewhere in the UK (including England, Wales and Northern Ireland) and you’ve taken out a student loan, you only need to start paying back the loan when you’re earning over £21,000 a year (England and Wales) or £17,775 (Northern Ireland). There are two main types of loan you can apply for:
- Tuition fee loan
- Maintenance loan which can help with your living costs, such as rent, food, travel and books
Scottish and UK students can also access additional grants to help with their individual circumstances, including childcare and disabled allowances.
You only pay back loans. You do not need to pay back scholarships, bursaries or grants.
If you’re an EU or International student please visit the UK Council for International Student Affairs (UKCISA) for information on funding support.
Students from the USA
The University of Stirling is eligible to certify loan applications for the Federal Family Education Loan Program (FFELP). US students who are enrolled on a University of Stirling degree are eligible for loans and may borrow up to their calculated Cost of Attendance (provided by the university and updated for each year of a student’s programme). Please read our information on Financial Aid for US Students.
You're classed as an independent student if you are 25 or over on the first day of your course, married or have supported yourself from your own earnings or benefits three years prior to the start of your course.
If you’re living in Scotland, you could be eligible to receive the Independent Students’ Bursary from SAAS. The bursary is income assessed. Unlike a loan, you don't need to repay the bursary.
You may also be eligible for other living cost grants, such as a Dependants' Grant, Lone Parents' Grant and the Disabled Students' Allowance. For guidance, contact the Student Awards Agency for Scotland (SAAS).