UK maintenance loan calculator
Estimate how much you can borrow for living costs at university, based on your UK administration, where you'll live during term, and your household income.
Your details
£
Estimated maintenance loan
England, 2025-26
- Your estimate
- £8,433
- Maximum
- £10,544
- Minimum (non-assessed)
- £4,915
Your household income is above the full-entitlement threshold (£25,000), so the loan tapers down to the minimum.
Loan only — does not include the Maintenance Grant (no longer available in England) or hardship bursaries from individual universities.
Methodology and sources
- England rates from gov.uk Student Finance.
- Scotland rates from SAAS.
- Wales rates from Student Finance Wales — figures combine the Maintenance Loan and Maintenance Grant.
- Northern Ireland rates from Student Finance NI.
- We model a linear taper between the full-entitlement income and the upper ceiling — the official calculators publish discrete per-£1 reductions but the resulting amounts land within rounding distance of these figures for the 95% case. Disabled Student's Allowance, partner income and independent-student status are out of scope for this first version.