Issuu on Google+

LJMU offer s you every you need fo thing university e r a life changing xperience. ■ High quality degrees taught by academics carrying out exciting research and designed specifically to make you irresistible to future employers ■ Individually tailored careers advice and a dedicated Centre for Entrepreneurship if you are thinking of working freelance or setting up your own business

For more information please contact the Student Advice Team t: 0151 904 6056/6057 e: studentadvice@ljmu.ac.uk or go to www.ljmu.ac.uk/feesandfunding

Designed and produced by Corporate Communications © LJMU This document is available in different formats please contact us for more information

fees and funding Your guide to student funding if you are starting an undergraduate degree in 2013

■ Excellent facilities thanks to the investment of £160million over the last 10 years

■ Extensive links with employers, entrepreneurs and business leaders, giving you great contacts even before you graduate ■ The opportunity to live life to the full in a city voted the best nightlife destination in the UK and one that’s bursting with music, culture and new possibilities

dvice a d e Ne

ions quest y n a or any have If you es, funding e, lif fe about f university o get in Did you know? et to aspec on’t hesitat d e ■ 92% of our students are in work or further study 6 months pleas JMU. with L h c after they graduate u to ac.uk ■ Our employment rates are improving year on year, with more ljmu. @ mail: e E c i and more students securing prestigious graduate-level positions ntadv stude /6057 ■ LJMU awards scholarships and bursaries worth £7million every year 6056 4 0 9 51 Tel: 01 ■ If your household income is less than £25,000, you will automatically qualify for a LJMU bursary of £500 for every year of your course. ■ You could receive an LJMU scholarship worth up to £10,000 and a £500 bursary for every year of your course – none of this money has to be paid back

fees and funding


LJMU offer s you every you need fo thing university e r a life changing xperience. ■ High quality degrees taught by academics carrying out exciting research and designed specifically to make you irresistible to future employers ■ Individually tailored careers advice and a dedicated Centre for Entrepreneurship if you are thinking of working freelance or setting up your own business

For more information please contact the Student Advice Team t: 0151 904 6056/6057 e: studentadvice@ljmu.ac.uk or go to www.ljmu.ac.uk/feesandfunding

Designed and produced by Corporate Communications © LJMU This document is available in different formats please contact us for more information

fees and funding Your guide to student funding if you are starting an undergraduate degree in 2013

■ Excellent facilities thanks to the investment of £160million over the last 10 years

■ Extensive links with employers, entrepreneurs and business leaders, giving you great contacts even before you graduate ■ The opportunity to live life to the full in a city voted the best nightlife destination in the UK and one that’s bursting with music, culture and new possibilities

dvice a d e Ne

ions quest y n a or any have If you es, funding e, lif fe about f university o get in Did you know? et to aspec on’t hesitat d e ■ 92% of our students are in work or further study 6 months pleas JMU. with L h c after they graduate u to ac.uk ■ Our employment rates are improving year on year, with more ljmu. @ mail: e E c i and more students securing prestigious graduate-level positions ntadv stude /6057 ■ LJMU awards scholarships and bursaries worth £7million every year 6056 4 0 9 51 Tel: 01 ■ If your household income is less than £25,000, you will automatically qualify for a LJMU bursary of £500 for every year of your course. ■ You could receive an LJMU scholarship worth up to £10,000 and a £500 bursary for every year of your course – none of this money has to be paid back

fees and funding


1

n o i t i u t

s e e f d ehol n s u o ur h less tha If yo s me i u will o c n o lify i 00, y ally qua f 0 , 5 £2 atic ar y o s m r o t u au Ub r of a M J e L y for a or ever y f £500 ourse. c your

Like most univ ersities LJMU will be charging tuition fee of £9 an annual ,000 for most of our degree The important pr ogrammes. thing to remem ber is that you to pay your tu don’t have ition fees upfr ont when you you can take ou en ro l. Instead t a tuition fee lo an, which does be repaid until n’ t have to after you com plete your cour earning over £2 se and are 1,000. Foundation ye ar fees: If you need to update your knowledg or enhance e, you can opt to complete a foun year as part of dation our extended 4 year degrees Engineering an in Computing, d Technology an d Natural Scie first year Foun nces. Your dation Year tuiti on fee will only be £4,000.

no hidden costs

LJMU is committed to ensuring that students understand the full cost of studying here. Our programmes have no hidden costs and your tuition fee will cover or contribute to, as appropriate, expenses associated with your core modules, including: n Safety equipment, such as lab coats and goggles n Uniforms for nurses, paramedics and other professional placements n UK field trips and other educational visits n Student exchanges n Criminal Records Bureau checks n Professional sector regulatory body membership

fees and funding


what to do and when about your student finances

3 201 y r a anu rds J m Fro onwa t studen r your o f ed to e ly n p Ap on’t d u o y – LJMU finance pted at e c c a een have b ply: r to ap e d entr o in k/stud u . v o g www. e financ

April 2013

15 January 2013 UCAS a pplicatio n deadli ne If you ar e applyin g for an and desig art n course , there a two dea re dlines (1 5 Januar 24 March y a nd 2013). Ch eck UCA confirm S which da to te applie your cou s to rse.

y 2013 1 Februar Go online and choose your preferred LJMU-approved student accommodation: www.ljmu.ac.uk/ accommodation

From September 2012 It’s time to apply for your course online through UCAS Start thinking about your student finance – remember you can receive help with fees and living costs (see page 10). If you are disabled, have dependants, or have been in local authority care you can apply for additional support (see page 8 and 9). LJMU also offers bursaries for students with a household income less than £25,000 a year (see page 7). Plus you can apply for LJMU Scholarships worth between £1,000 and £10,000 a year (see page 4). Use the student finance calculator to work out what funding you can get: www.gov.uk/studentfinance-calculator

fees and funding

31 May 2013 t r gus h you u A 15 k wit lts luc resu d o Go exam

y and ts da l u s e ring vel r A Le rt of Clea ta U the s ct LJM a t n o you c your sure meet e t k ’ a n o M d if you ts: even emen r i u q e r offer line: n Hot o i t a rm Confi 31 5090 2 1 e: 015 Hotlin g n i r Clea 565 564 0 0 5 0

Don’t forge t to apply fo r your student fun ding by this date if you want to receive it fo r the start of sem ester in Sep te mber: www.dire ct.gov.uk/ studentfin ance

ber m e t Sep o join / t s t u Aug ready U Get LJM t stage the firs e t le p ent Com enrolm U M J L of the e. s onlin proces

3 y 201 a M 8 U offer by Accept your LJM u are yo this date, unless h UCAS Extra. applying throug

ber U m e t Sep to LJM ome c l e W te you comple Make sure U at M J L ent at your enrolm ified c e d time sp the date an won’t ersity – you by the Univ ding student fun receive any o. until you d

You sh ould re ceive y LJMU our offer a round now. If you h aven’t a lready d so, mak one e sure y o u tell LJ if you h MU ave a d isability addition or al supp ort need or if you s have be en in ca or are e re strange d from parents y o ur . You co uld be e for add ligible itional s tudent fu and oth nding er supp ort.

2013 y a M U your LJM Apply for lete p ip – com Scholarsh ill be w and you one form ferent d for 5 dif considere holarship ational Sc (N s rd a w a ancellor’s e, Vice Ch m m ra g Pro ievers, d the Ach m Plan Award an and Drea n w ro B l e Micha ips): Scholarsh Achiever’s u.ac.uk/ www.ljm unding feesandf

fees and funding

remember: ■ Apply early for your student finance to ensure it is in place before you start your course. ■ You don’t have to wait until you’ve been formally offered a place at LJMU to apply for your student funding. If you are starting a course at LJMU in September 2013, you can apply for your student finance from January onwards. To apply online go to: www.gov.uk/student-finance ■ You don’t have to pay your tuition fees upfront – as long as you have not been to university before and meet the residency rules you can take out a tuition fee loan. ■ You don’t start paying back your student loans until after you leave LJMU and you are earning at least £21,000. Your monthly repayments will be based on your salary not what you borrowed. ■ After 30 years, anything you still owe will be written off. ■ If you take time out to go travelling or have a family and your income drops below £21,000 your loan repayments will stop automatically.

fees and funding


what to do and when about your student finances

3 201 y r a anu rds J m Fro onwa t studen r your o f ed to e ly n p Ap on’t d u o y – LJMU finance pted at e c c a een have b ply: r to ap e d entr o in k/stud u . v o g www. e financ

April 2013

15 January 2013 UCAS a pplicatio n deadli ne If you ar e applyin g for an and desig art n course , there a two dea re dlines (1 5 Januar 24 March y a nd 2013). Ch eck UCA confirm S which da to te applie your cou s to rse.

y 2013 1 Februar Go online and choose your preferred LJMU-approved student accommodation: www.ljmu.ac.uk/ accommodation

From September 2012 It’s time to apply for your course online through UCAS Start thinking about your student finance – remember you can receive help with fees and living costs (see page 10). If you are disabled, have dependants, or have been in local authority care you can apply for additional support (see page 8 and 9). LJMU also offers bursaries for students with a household income less than £25,000 a year (see page 7). Plus you can apply for LJMU Scholarships worth between £1,000 and £10,000 a year (see page 4). Use the student finance calculator to work out what funding you can get: www.gov.uk/studentfinance-calculator

fees and funding

31 May 2013 t r gus h you u A 15 k wit lts luc resu d o Go exam

y and ts da l u s e ring vel r A Le rt of Clea ta U the s ct LJM a t n o you c your sure meet e t k ’ a n o M d if you ts: even emen r i u q e r offer line: n Hot o i t a rm Confi 31 5090 2 1 e: 015 Hotlin g n i r Clea 565 564 0 0 5 0

Don’t forge t to apply fo r your student fun ding by this date if you want to receive it fo r the start of sem ester in Sep te mber: www.dire ct.gov.uk/ studentfin ance

ber m e t Sep o join / t s t u Aug ready U Get LJM t stage the firs e t le p ent Com enrolm U M J L of the e. s onlin proces

3 y 201 a M 8 U offer by Accept your LJM u are yo this date, unless h UCAS Extra. applying throug

ber U m e t Sep to LJM ome c l e W te you comple Make sure U at M J L ent at your enrolm ified c e d time sp the date an won’t ersity – you by the Univ ding student fun receive any o. until you d

You sh ould re ceive y LJMU our offer a round now. If you h aven’t a lready d so, mak one e sure y o u tell LJ if you h MU ave a d isability addition or al supp ort need or if you s have be en in ca or are e re strange d from parents y o ur . You co uld be e for add ligible itional s tudent fu and oth nding er supp ort.

2013 y a M U your LJM Apply for lete p ip – com Scholarsh ill be w and you one form ferent d for 5 dif considere holarship ational Sc (N s rd a w a ancellor’s e, Vice Ch m m ra g Pro ievers, d the Ach m Plan Award an and Drea n w ro B l e Micha ips): Scholarsh Achiever’s u.ac.uk/ www.ljm unding feesandf

fees and funding

remember: ■ Apply early for your student finance to ensure it is in place before you start your course. ■ You don’t have to wait until you’ve been formally offered a place at LJMU to apply for your student funding. If you are starting a course at LJMU in September 2013, you can apply for your student finance from January onwards. To apply online go to: www.gov.uk/student-finance ■ You don’t have to pay your tuition fees upfront – as long as you have not been to university before and meet the residency rules you can take out a tuition fee loan. ■ You don’t start paying back your student loans until after you leave LJMU and you are earning at least £21,000. Your monthly repayments will be based on your salary not what you borrowed. ■ After 30 years, anything you still owe will be written off. ■ If you take time out to go travelling or have a family and your income drops below £21,000 your loan repayments will stop automatically.

fees and funding


2

how to use this guide Funding figures in this guide relate to students who are normally resident in England. Different funding arrangements will apply if you are from Scotland, Wales, Northern Ireland or the EU. If you live in Scotland, Wales and Northern Ireland you will still be eligible for loans to cover your tuition fees as well as grants and/or bursaries plus loans for your living costs. It’s just that the amounts available may be different to those stated in this guide as these mainly apply to applicants who live in England.

Scottish applicants

Welsh applicants

If your permanent home is in Scotland but you want to study at LJMU (or another English university) you will be eligible to apply for a:

If your permanent home is in Wales but you want to study at LJMU (or another English university) you will be eligible to apply for a:

n Tuition fee loan which will cover the full cost of your tuition fees up to £9,000 per year n Young student (under 21): n Bursary – up to £1,750 a year n Loan – up to £5,500 a year n Independent student: n Bursary – up to £750 a year n Loan – up to £6,500 a year

n n n n

If you take out a student loan, your repayments will begin after you have left LJMU and start earning more than £15,795. For more information, go to the Student Awards Agency for Scotland website: www.saas.gov.uk fees and funding

3

Northern Irish applicants

Applicants from the EU

If your permanent home is in Northern Ireland but you want to study at LJMU (or another English university) you will be eligible to apply for a:

If your permanent home is based in the EU but you want to study at LJMU (or another English university) you will be eligible to apply for a tuition fee loan which will cover the full cost of your tuition fees up to £9,000 per year.

n n n

Tuition fee loan which will cover the full cost of your tuition fees up to £9,000 per year Maintenance loan of up to £4,840 a year Maintenance grant of up to £3,475 a year

If you take out a student loan, your repayments will begin after you have left LJMU and start earning more than £15,795.

Most EU students will not be eligible for grants and loans for living costs. Exceptions do apply and you are advised to visit the following website for more details: www.ukcisa.org.uk/student/info_sheets/student_ support_england.php

For more information, go to the Student Finance Northern Ireland website: www.studentfinanceni.co.uk

Tuition fee loan of up to £3,575 a year Tuition fee grant of up to £5,425 - the Welsh Government will pay a grant of £5,425 to cover the remainder of your tuition fees. This is non-repayable Maintenance loan of up to £5,150 a year Maintenance grant of up to £5,161 a year

If you take out a student loan, your repayments will begin after you have left LJMU and start earning more than £21,000. For more information, go to the Student Finance Wales website: www.studentfinancewales.co.uk

fees and funding


4

5

LJMU scholarships for academic excellence Our scholarships are open to all full-time Home students (that’s students from England, Wales, Scotland and Northern Ireland) and EU undergraduates. These awards are not income assessed, which means it doesn’t matter what your household income is and if successful you will be awarded a scholarship for each year of your course. When considering who should get one of our prestigious scholarships, we don’t just consider academic qualifications, though these are obviously very important. We also look at what you have achieved personally, through voluntary and charity work, school and college activities, in sport, music and much more. With scholarships worth up to £10,000 a year, it’s well worth taking the time to tell us how you think you epitomise our ethos of ‘Dream, Plan, Achieve’.

Achiever’s ps Scholarshias such as

e in are for excellenc rts, sports, the a , g n ri e te n lu vo 00 aximum of 1 m a : ip h s n e citiz 00 per year 0 , 1 £ f o s rd a w a ourse on of your c for the durati

The Vice Chancellor ’s Award is a highly p restigio

us award for outstanding students: a m aximu awards of £ 10,000 per y m of 6 ear for the duration of your cours e

Dream Plan Achiever’s Scholarship reward acad emic excelle s nce: a max

£1,000 per y ear for the

fees and funding

imum of 100 awards of duration of y our course

wn o r B l e a h c i M s Scholarshipcellence: emic ex reward acad of 12 awards f o m u im x a ma r the 000 per year fo

£1,

your course f o n o ti a r u d

The level of student care is amazing and has helped me ease in to my course and Liverpool. The Bursary has helped by giving me contacts that will be crucial during my time here and when I graduate. Law student Tiffany-May Priam is the first LJMU student to receive a £1,000 Anthony Walker Foundation Bursary. She ultimately hopes to set up a family legal practice with her brother.

fees and funding


6

National Scholarship Programme LJMU will be awarding around 980 National Scholarships to students joining the University in 2013. Each award is worth £3,000 and this money does not have to be repaid. fees and funding

7

The National Scholarship Programme is specifically designed to support students from England (and the European Union) who come from low income households. In order to be considered for this funding, your household income must be £16,000 a year or less and you must be a full-time first year undergraduate on your first course at university. Unlike other LJMU awards, these Scholarships are only awarded in your first year of study. If successful, you will receive a fee waiver of £2,000, which means your first year tuition fees will be reduced to £7,000, plus a cash bursary of £1,000. Funding will be awarded on a pro-rata basis to successful part-time students. Successful EU students will only be eligible for the fee waiver.

Please note: n  In addition to household income, you will be expected to achieve a minimum of 280 UCAS tariff points from three units at A2 level or equivalent alternative entry qualifications or experience. n  Successful students are selected on the basis of their household income and their personal statement. n  If you are awarded a National Scholarship, you will not be eligible for an LJMU Bursary in your first year at LJMU. However, you will be eligible to receive this Bursary in subsequent years of study. n  The National Scholarship Programme is not open to students from Scotland, Wales or Northern Ireland.

LJMU Bursary LJMU bursaries are automatically paid to eligible students – you do not need to apply for them. You will be awarded a bursary for every year of your course providing you continue to meet the eligibility criteria. In 2013/2014, the annual LJMU bursary will be £500. LJMU bursaries are a bit like grants – they are means-tested and you don’t have to pay them back. You can use the money for whatever you want and they are intended to help you meet some of the costs associated with being a student. To qualify you must meet the residence requirements for student funding (grants and loans) and have a household income of £25,000 or less a year.

Antony Walker Bursary In collaboration with the Anthony Walker Foundation LJMU is offering a £3,000 bursary. This award is only open to Black or Minority Ethnic (BME) undergraduate students studying law or criminal justice. For details on the Foundation, go to: www.anthonywalkerfoundation.com

The Access to Learning Fund (ALF) Sometimes despite your best efforts you can find yourself in financial difficulty. This could be due to a delay in funding or unforeseen circumstances that have arisen which could place you in financial hardship. The Access to Learning Fund is a government fund that is available to students who find themselves in such a position. We don’t want money worries to stop any of our students from succeeding in their studies at LJMU. That’s why we have added an additional £200,000+ from University funds to the ALF to help more of our students reach their full potential. The ALF is only open to UK students and funding does not usually have to be paid back. fees and funding


8

r o f t r o p p u s s r e v a e l e r ca In 1957, John Lennon joined LJMU’s School of Art and Design, and it was to provide the springboard for so many influential aspects of his life: it was where he met Stuart Sutcliffe and Paul McCartney. In recognition of the influence that the University played in his life, and thanks to the generous support of Yoko Ono, LJMU has set up the John Lennon Imagine Awards to help students who have either been in local authority care or who are estranged from their parents. Eligible students receive a minimum cash bursary of £1,000 per year of their course, in addition to funding awarded by social services for looked after children (LAC).

lly fundamenta n e e b s a h ry “The bursa progress e m g in lp e in h ed important it has allow s a , e e r g e yd d through m at work an s r u o h y m ce me to redu y degree.” m n o te a tr concen fees and funding

“It’s been such a relief not h aving to worry about money. Havin g no family members to rely on for ex tra cash to get throug h tough situa tions, it’s helped me to feel more sec ure.”

In addition, our dedicated Care Leavers Co-ordinator, Phil Bakstad, provides support and advice on everything relating to your academic life, from budgeting to accommodation and liaising with social services. To discuss this and the other support available in confidence, please contact Phil: email: careleavers@ljmu.ac.uk or call Student Advice on 0151 231 8098.

“For ev ery prob lem I always know I c , big or small, an coun t on Phi l.”

9

Disabled Students’ Allowance Disabled Students’ Allowances or DSAs are grants to help meet the extra course costs students can face as a direct result of a disability, ongoing health condition, mental health condition or specific learning difficulty. They are paid on top of the standard student finance package and don’t have to be paid back. The type of support you receive will be determined by your specific needs not your household income. In addition, LJMU’s Assessment Room provides a fully accessible, discrete and welcoming space where you can test out a range of different furniture, equipment and technologies based on your specific needs.

Childcare Grant and Parents’ Learning Allowance* A Childcare Grant is available for full-time students who have dependent children in registered or approved childcare. The grant pays up to 85% of your actual childcare costs in both term time and holidays up to a maximum amount per week. If you are a parent studying a full-time course at LJMU you may also be entitled to the Parents’ Learning Allowance.

“I was amazed w hen I worked ou t my budget with the Student Adv ice team. There were lots of thin such as free scho gs, ol meals, I hadn’t thought of. I am not rich, but with careful budgetin g I can manage.”

Millie is a single mum with two children. Here is a summary of the funding she is entitled to for every year she studies at LJMU. Maintenance Loan

£5,500 a year

Maintenance Grant

£3,250 a year

Parents Learning Allowance

£1,508 a year

Childcare Grant

85% childcare costs paid via a non-repayable grant

Millie is still able to claim housing benefit as some of her student income is disregarded Child Tax Credits* Child Benefit Free school meals for her eldest child

*Subject to the Government’s welfare reform agenda

fees and funding


10

student loans Living expenses Tuition fee loans (maintenance) loan Eligible full and part-time students will be able to take out a tuition fee loan for each year of their course. This loan is not means-tested which means that your household income will not affect your eligibility for this funding. Your tuition fee loan covers all your tuition costs and will be paid directly to LJMU. This means you only have to budget for your living costs. You may be able to get help with your living costs too, through maintenance loans or grants and bursaries, which you don’t have to pay back. You only start paying back your student loans the April after you leave LJMU and even then it’s only if you are working and earning more than £21,000 a year. Your monthly repayment is fixed at a small, percentage of your income (see opposite for more details).

fees and funding

Full-time undergraduate students can also apply for a maintenance loan to cover their living costs. If you’re eligible, you can take out a loan for each year of your course. The money will have to be paid back but only after you leave LJMU and start earning over £21,000. The amount you’ll receive will depend on your household income, and if you are entitled to the maintenance grant. The maximum amount you can get while you are studying at LJMU is:

11

n After 30 years anything you still owe on your student loans is written off n If your income falls below £21,000 because, for example, you take time out to go travelling or to have a family, your loan repayments will stop automatically

paying back your student loans Any loans you take out to cover your tuition fees or living costs will be added together in one loan account after you leave university. This means that when you start paying back your student loans, you will only make one affordable monthly payment. This monthly payment will be the same irrespective of how many loans you have taken out. That’s because your repayments are based on a percentage of your salary not how much you have borrowed from the Student Loans Company. If your income is over £21,000 your employer will start taking repayments from your salary just like tax and national insurance. The table below should give you an idea of how much you can expect to pay every month based on a range of salaries. But remember, you won’t have to make any payments until you leave university and start earning at over £21,000.

n £5,500 if you are living away from home. n or £4,375 if you are living in your parental home.

Annual salary

Monthly repayment

Unlike the tuition fee loan which is paid direct to LJMU, this money goes straight into your bank or building society account. It’s paid in three instalments and it’s up to you to decide what you spend this money on and how you budget.

£19,000

0

£22,000

£7.50

£25,000

£30.00

Part-time students are not eligible to apply for a maintenance loan but can apply for a loan to cover the cost of their tuition fees.

£30,000

£67.50

£35,000

£105.00

£40,000

£142.50

£45,000

£180.00

£50,000

£217.50

n To apply online go to: www.gov.uk/student-finance

£55,000

£255.00

n F  or a paper application form, call Student Finance England on 0845 300 50 90 or your local authority if you do not live in England.

£60,000

£292.50

Applying for your student funding n If you are starting a course at LJMU in September 2013, you can apply for your student finance from around January that year.

fees and funding


12

maintenance grant If you are a full-time student and your household income is £42,611 or less, you can get a maintenance or living cost grant. You don’t have to pay this money back and it’s up to you to decide what to spend it on. If you are a full-time student with a household income of £25,000 or less you will receive a full grant of £3,354 per year. Partial grants will be available if you have a household income over £25,000 up to (and including) £42,611. Part-time students are not eligible for this grant and if you have been to university before you may not be eligible for this funding either.

funding advice for part-time students If you choose to study part-time at LJMU, you will receive the same high quality educational experience plus access to all the same resources and facilities as full-time students. There are, however, differences in the range and level of funding you can receive.

living costs Unlike full time students, part time students do not receive funding either in the form of grants or loans for their living costs. LJMU has additional funding for certain groups of students and in some cases we may be able to help with costs such as childcare, books or travel or via our Access to Learning Fund (see page 7).

sity ve studied at univer ha u yo If ): LQ (E s t qualification titled to any studen en be t Equivalent or lower no ay m u . the world, yo Student Advice team e th t ac before, anywhere in nt co se ea ies to you, pl funding. If this appl fees and funding

m for nt Advice Tea e d tu S e th ct Conta re you tion even befo a rm fo in re o m e r LJMU cours apply for you

tuition

fees

Part-time tuition fee s do not have to be paid up -front. Providing yo u meet the eligibility criteria and have no t been to university before, you can ap ply for a non-means -tested tuition fee loan. Even if you ha ve been to univers ity before you may still be entitled to a loan so please get ad vice on what student funding yo u are entitled to. Yo u ca n take out a loan for each year of your course and repayments do no start until you are ea t rning over £21,000 . Part-time tuition fee s are calculated ba sed on how long it will take you to co mplete your degree . LJMU’s full-time honours degrees no rmally takes three ye ars to complete. If, for example, you wanted to study a de gr ee part-time and complete it in: n 4 years, you will be charged 75% of the full time fee, giving you an annu al fee of £6,750. n six years, you wo uld be charged 50% of the full-time tuition fee. In 2013 , this would be 50% of £9,000, giving you an annual fee of £4,500

To apply for a parttime tuition fee loan , go to: www.gov.uk/stud ent-finance

fees and funding

13


14

how house h affects stu old income dent fundi ng

information for students who want to study Paramedic Practice The Diploma in Higher Education in Paramedic Practice is run in conjunction with the local primary care trust which means it is funded a bit differently from other LJMU courses. From September 2013, new entrants on this course will be funded by a combination of support from the Department of Health (who will fund your tuition fees), student grants and loans. This means you should apply for your student finance via the www.gov.uk/student-finance website. Please note: If you have studied at university before and have received funding from the NHS or via other student grants and loans we would advise you to get advice before starting another course. That’s because you may not be funded for any further study.

CASE STUDY John (20) normally lives in England in his own flat. His household income is £22,000. He has been offered a place to study the Dip HE in Paramedic Practice. He will be entitled to receive the following funding:

Some student funding is only allocated following an assessment of your household income (see table below). This process is called income assessment (or means testing) and it is based on the joint income of your parent(s) or partner before tax. n I f your parents are divorced/separated, the income of the parent you live with most of the time will be used.

n Tuition fees to be paid by the NHS – he does not have to repay this money and this funding is not means-tested n A non-repayable grant of £3,354 a year n A repayable loan of £3,823 a year to help with living expenses John’s total annual income would be £7,177 a year. Please note: Students whose fees are paid for by the NHS are not be eligible to receive an LJMU bursary.

For further details and to apply for your grant and loan, go to: www.gov.uk/student-finance

n If your parent cohabits or has remarried, their joint income will be assessed. n I f you are over 25, have financially supported yourself for more than 3 years, have no living parents or are caring for a child, the means testing will be based on your income (and that of your husband, wife, or civil partner if you have one). Household income

Grant

Maintenance Loan

LJMU Bursary*

LJMU National Scholarship Programme**

Total

£16,000

£3,354

£3,823

£500

£1,000 bursary £2,000 fee waiver

£8,677 (plus £2,000 fee waiver)

£25,000 or less

£3,354

£3,823

£500

0

£7,677

£30,000

£2,416

£4,292

0

0

£6,708

£35,000

£1,478

£4,761

0

0

£6,239

£40,000

£540

£5,230

0

0

£5,770

£42,611

£50

£5,475

0

0

£5,525

*You do not have to apply for this funding if you have been income assessed **You will need to complete the LJMU scholarship application form in order to be considered for this funding

fees and funding

fees and funding

15


16

17

At a glance guide to what funding is available to students from England Funding

Tuition fee loan

Maintenance loan

Maintenance grant

LJMU Bursary

National Scholarship for first year undergraduate students

ViceChancellor‘s Awards

Achievers Scholarships

Dream Plan Achievers Scholarships

Michael Brown Scholarships

LJMU Care Leavers (John Lennon Imagine) Awards

Disabled Students’ Allowance

Childcare Grant

Parents’ Learning Allowance

How much is this worth?

£9,000 a year for full-time students

Up to £5,500 if you are living away from home

£3,354 year if your household income is £25,000 or less

£500

£2,000 fee waiver plus £1,000 bursary

£10,000 a year for the duration of your course

£1,000 a year for the duration of your course

£1,000 a year for the duration of your course

£1,000 a year for the duration of your course

£1,000 a year for the duration of your course

Not applicable

Up to 85% of childcare costs

Up to £4,375 if you are living in your parents’ house

Partial grants awarded if your household income is between £25,000 and £42,611

Depends on course-related costs but the maximum award available is £1,500

£4,000 for full-time students on a foundation course

Is this funding based on my household income?

No

Yes, partially

Yes

Yes

Yes

No

No

No

No

No

Support determined by need not income

Yes, and your children must be in registered or approved childcare

Yes, and you must be a parent and studying full-time

Are part-time students eligible for this funding?

Yes, on a pro-rata basis

No

No

No

Yes, on a pro-rata basis

No

No

No

No

No

Yes

No

No

How many will be awarded?

All eligible students are entitled to take out a tuition fee loan

All eligible students are entitled to take out a maintenance loan

All eligible students automatically receive a grant

All eligible students automatically receive a bursary

Up to 980

A maximum of 6 awards a year

A maximum of 100 awards a year

A maximum of 100 awards a year

A maximum of 12 awards a year

All eligible students will receive support

All eligible students will receive support

All eligible students will receive support

All eligible students will receive support

How will this money be paid?

Direct to LJMU

In three instalments to your bank or building society account

In three instalments to your bank or building society account

Direct to your bank or building society account

In instalments to your bank or building society account

In instalments to your bank or building society account

In instalments to your bank or building society account

In instalments to your bank or building society account

In instalments to your bank or building society account

In instalments to your bank or building society account

Not applicable

Direct to your bank or building society account

Direct to your bank or building society account

Does it have to be paid back?

Yes, but only after you’ve left university and are earning over £21,000

Yes, but only after you’ve left university and are earning over £21,000

No

No

No

No

No

No

No

No

No

No

No

Do I need to apply for this funding?

Yes

Yes

Yes

No, providing you are income assessed

Yes, via LJMU’s Scholarship Application Form

Yes, via LJMU’s Scholarship Application Form

Yes, via LJMU’s Scholarship Application Form

Yes, via LJMU’s Scholarship Application Form

Yes, via LJMU’s Scholarship Application Form

No, but you need to disclose your care leavers status

Yes

Yes

Yes

fees and funding

fees and funding


18

19

city t n e d u t s c i t ble s a a t d n r a o f f f a a is st l o o m o p e r h e t of Liv e n et o g d o s u l b a u s and it’ h means if yo nding will go c too, whi your student fu ink. h y t l r u e o p y o r n p ha t r e h t r u much f Many of our students also successfully manage working part-time or getting involved with voluntary or charitable activities while they are studying at LJMU. Working will not only help you earn enough money to enjoy everything that student life has to offer but you will also gain vital skills and experience that will impress future employers and keep your overdraft within manageable levels. But it’s vitally important that you get the balance right between earning, studying and your social life. For advice on how to manage working alongside studying, please contact LJMU’s Student Advice team. n All LJMU students get free off-peak access to sports facilities across Liverpool n D edicated vacancy website offering work placements, internships, part-time work and graduate positions n W ide range of voluntary and paid opportunities within the University and the Liverpool Students’ Union n W orkBank, a commercial employment agency providing better paid student jobs, is based in the Students’ Union

fees and funding

fees and funding


20

how to make your money go further Most students have to learn to live on a tight budget but that doesn’t mean life has to be boring. By taking the time to sit down and work out exactly what you have to pay for every week – that includes rent, food, utility bills, travel and your mobile phone – you’ll know exactly how much money you have left for the fun things in life, like going out, having a drink with friends or going shopping. Student funding is paid in three large instalments which makes budgeting really important. By managing your money properly you’ll be able to enjoy student life without worrying about where your next meal is coming from or how you are going to pay your bills. Get in touch with the Student Advice Team for top tips on how to make your money go further and to double-check that you have applied for all the funding and support you are entitled to.

tick to s d n a t e g d Make a bu

it

ty shops ri a h c e s o o h c Go retro and r threads e n ig s e d f o d instea

f dining o d a e t s friends in s h t i w n i Eat Be green and buy seco redit card c r u o nd hand books y n o t u o

et lots of discounts g to ID t en d u st U Use your LJM fees and funding


what to do and when about your student finances

3 201 y r a anu rds J m Fro onwa t studen r your o f ed to e ly n p Ap on’t d u o y – LJMU finance pted at e c c a een have b ply: r to ap e d entr o in k/stud u . v o g www. e financ

April 2013

15 January 2013 UCAS a pplicatio n deadli ne If you ar e applyin g for an and desig art n course , there a two dea re dlines (1 5 Januar 24 March y a nd 2013). Ch eck UCA confirm S which da to te applie your cou s to rse.

y 2013 1 Februar Go online and choose your preferred LJMU-approved student accommodation: www.ljmu.ac.uk/ accommodation

From September 2012 It’s time to apply for your course online through UCAS Start thinking about your student finance – remember you can receive help with fees and living costs (see page 10). If you are disabled, have dependants, or have been in local authority care you can apply for additional support (see page 8 and 9). LJMU also offers bursaries for students with a household income less than £25,000 a year (see page 7). Plus you can apply for LJMU Scholarships worth between £1,000 and £10,000 a year (see page 4). Use the student finance calculator to work out what funding you can get: www.gov.uk/studentfinance-calculator

fees and funding

31 May 2013 t r gus h you u A 15 k wit lts luc resu d o Go exam

y and ts da l u s e ring vel r A Le rt of Clea ta U the s ct LJM a t n o you c your sure meet e t k ’ a n o M d if you ts: even emen r i u q e r offer line: n Hot o i t a rm Confi 31 5090 2 1 e: 015 Hotlin g n i r Clea 565 564 0 0 5 0

Don’t forge t to apply fo r your student fun ding by this date if you want to receive it fo r the start of sem ester in Sep te mber: www.dire ct.gov.uk/ studentfin ance

ber m e t Sep o join / t s t u Aug ready U Get LJM t stage the firs e t le p ent Com enrolm U M J L of the e. s onlin proces

3 y 201 a M 8 U offer by Accept your LJM u are yo this date, unless h UCAS Extra. applying throug

ber U m e t Sep to LJM ome c l e W te you comple Make sure U at M J L ent at your enrolm ified c e d time sp the date an won’t ersity – you by the Univ ding student fun receive any o. until you d

You sh ould re ceive y LJMU our offer a round now. If you h aven’t a lready d so, mak one e sure y o u tell LJ if you h MU ave a d isability addition or al supp ort need or if you s have be en in ca or are e re strange d from parents y o ur . You co uld be e for add ligible itional s tudent fu and oth nding er supp ort.

2013 y a M U your LJM Apply for lete p ip – com Scholarsh ill be w and you one form ferent d for 5 dif considere holarship ational Sc (N s rd a w a ancellor’s e, Vice Ch m m ra g Pro ievers, d the Ach m Plan Award an and Drea n w ro B l e Micha ips): Scholarsh Achiever’s u.ac.uk/ www.ljm unding feesandf

fees and funding

remember: ■ Apply early for your student finance to ensure it is in place before you start your course. ■ You don’t have to wait until you’ve been formally offered a place at LJMU to apply for your student funding. If you are starting a course at LJMU in September 2013, you can apply for your student finance from January onwards. To apply online go to: www.gov.uk/student-finance ■ You don’t have to pay your tuition fees upfront – as long as you have not been to university before and meet the residency rules you can take out a tuition fee loan. ■ You don’t start paying back your student loans until after you leave LJMU and you are earning at least £21,000. Your monthly repayments will be based on your salary not what you borrowed. ■ After 30 years, anything you still owe will be written off. ■ If you take time out to go travelling or have a family and your income drops below £21,000 your loan repayments will stop automatically.

fees and funding


LJMU offer s you every you need fo thing university e r a life changing xperience. ■ High quality degrees taught by academics carrying out exciting research and designed specifically to make you irresistible to future employers ■ Individually tailored careers advice and a dedicated Centre for Entrepreneurship if you are thinking of working freelance or setting up your own business

For more information please contact the Student Advice Team t: 0151 904 6056/6057 e: studentadvice@ljmu.ac.uk or go to www.ljmu.ac.uk/feesandfunding

Designed and produced by Corporate Communications © LJMU This document is available in different formats please contact us for more information

fees and funding Your guide to student funding if you are starting an undergraduate degree in 2013

■ Excellent facilities thanks to the investment of £160million over the last 10 years

■ Extensive links with employers, entrepreneurs and business leaders, giving you great contacts even before you graduate ■ The opportunity to live life to the full in a city voted the best nightlife destination in the UK and one that’s bursting with music, culture and new possibilities

dvice a d e Ne

ions quest y n a or any have If you es, funding e, lif fe about f university o get in Did you know? et to aspec on’t hesitat d e ■ 92% of our students are in work or further study 6 months pleas JMU. with L h c after they graduate u to ac.uk ■ Our employment rates are improving year on year, with more ljmu. @ mail: e E c i and more students securing prestigious graduate-level positions ntadv stude /6057 ■ LJMU awards scholarships and bursaries worth £7million every year 6056 4 0 9 51 Tel: 01 ■ If your household income is less than £25,000, you will automatically qualify for a LJMU bursary of £500 for every year of your course. ■ You could receive an LJMU scholarship worth up to £10,000 and a £500 bursary for every year of your course – none of this money has to be paid back

fees and funding


Fees and Funding 2013/4