University finance: What support is available in Wales?

Welsh students can fund university with a tuition fee loan and a maintenance loan and grant

University fees are set to rise for the second time in a year, meaning many young people will be thinking seriously about affordability as they mull over their future plans.

The maximum cost will be £9,535 per year from September 2025, up nearly £300 from the September 2024 rate.

What tuition fee support is available for students from Wales?

Most Welsh students studying full-time for a degree, Higher National Diploma or Higher National Certificate can get a loan to pay for their tuition fees and a mixture of a loan and a grant to help with living costs.

A tuition fee loan of up to £9,535 a year will be available, depending on how much the course costs. The amount students can get is not dependent on household income.

This loan is paid directly to the university or college and students have to pay it back, including interest, once they have finished or left their course.

The Welsh government cancels up to £1,500 of Welsh student's debt when they begin repaying their loan - no matter where they study.

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What help with living costs is available?

As well as the tuition fee loan, students from Wales can apply for a mixture of a loan and a grant to help with living costs.

The amount depends on their household's income and where they live and study.

For instance, a student who lives with their parents in Wales could get a £10,480 maintenance loan, and a £8,877 in England for those with household incomes less than £25,000.

This marks a 1.6% increase in support but inflation currently stands at 2.3%.

If they lived away from their parents' home, that would increase to £12,345 for Welsh students and £10,544 for English students with household incomes less than £25,000.

If they lived away from their parents and studied in London that would increase further to £15,415 for Welsh students and £13,762 for English students with household incomes less than £25,000.

The maintenance loans are paid into the student's bank account in three instalments, usually at the start of each term - the loan must be paid back, with interest, once the student has finished or left their course.

If a student is not in contact with their parents or has spent time in care, they might not need to provide details of their parents' income when applying.

What if you already have a degree?

If you already have a degree you may be eligible for student finance for another undergraduate degree in medicine, dentistry, veterinary surgeon, architecture, social work or healthcare

If you're not studying one of these course exceptions, you won't be eligible for a tuition fee loan or any maintenance loans or grants.

What about students with a disability or long-term health condition?

They may be able to apply for Disabled Students' Allowance, which is extra support and can be used to pay for study-related costs such as equipment, non-medical help, travel and photocopying and printing.

The maximum amount of grant in the 2025-2026 academic year will be £34,000 and this covers a non-medical personal helper, major items of specialist equipment and other disability-related costs.

A travel allowance is also available to cover any study related travel costs due to their disability. This is assessed on a case-by-case basis.

Grants are available for undergraduate students with children

What about students with children?

Undergraduates with children can apply for a Childcare Grant to help cover childcare costs.

How much they can get depends on household income and does not have to be paid back.

They can also apply for a Parents' Learning Allowance of between £53 and £1,945 a year from 2025 - how much they get depends on their household income and does not have to be paid back.

What about students with adult dependants?

Full and part-time students over 25 can apply for an Adult Dependants' Grant of up to £3,407 a year if they have an adult who depends on them financially.

How much they get depends on household income and does not have to be paid back.

Special Support is available for students over 60

What about those on benefits or over 60?

Special Support is available for students over 60 and those who claim certain income-related benefits and is intended to help with costs such as books, course equipment and travel.

If eligible, the Department for Work and Pensions will disregard their grant entitlement up to a maximum amount of £5,161 when calculating any benefits they're entitled to.

What about those studying abroad?

Those who start and complete a course outside of the UK cannot apply for funding from Student Finance Wales.

Students must apply for financial support to the funding agency of the country concerned.

Information of funding and potential scholarships may be available from the relevant university or college.

Those studying abroad on a placement as part of a degree can claim for up to three return journeys a year between the UK and the overseas university or college, as well as medical insurance and travel visas.

They may be able to claim for children's travel costs if they're a single parent.

They have to pay either the first £303 or the first £1,000, depending on household income and when the course started.

How much they get depends on household income and when the course started. It does not have to be paid back.

What if I want to study in England, Scotland or Northern Ireland?

Welsh students face annual tuition fees of £9,535 if they stay in Wales or £9,535 if they choose to study in England, Scotland or NI.

How do fees in Wales compare to other parts of the UK?

Northern Irish students pay £4,750 a year if they stay in Northern Ireland while those from England who choose to study there pay £9,250 a year.

Tuition fees are free for the majority of Scottish students staying in Scotland.

When do I have start paying loans back?

The earliest you'll start repaying is the April after you leave your course, but only when your income is more than £28,470 a year, £2,372.50 a month or £547.50 a week in the UK from the 2025/2026 year.

Any remaining loan that hasn't been paid is written off after 30 years.

This system will carry on for Welsh students but from September, the repayment period for English students will be extended by a decade.

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