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Office Address

47 Cavell Street, London, E1 2BP
London, United Kingdom

Phone Number

020 7377 8844

WhatsApp: +447448501646

Email Address

info@afeducation.co.uk

Free, plain-English guides for UK home students applying for Student Finance England, including mature students and people starting with a foundation year. AF Education helps you check eligibility and apply at no cost to you. This service is not for international students.

Key 2026/27 figures from GOV.UK

Tuition Fee Loan

Up to £9,790 a year for a full-time course in 2026/27, paid straight to your university or college.

Source: GOV.UK, new full-time students

Maintenance Loan (maximum)

£9,118 living with parents, £10,830 away from home outside London, £14,135 away from home in London (2026/27). The amount you get depends on household income.

Source: GOV.UK, new full-time students

Foundation year

For classroom-based subjects such as business, social science or humanities, the foundation-year Tuition Fee Loan is up to £5,760 in 2026/27.

Source: GOV.UK, new full-time students

Online and distance learning

Distance-learning students can only apply for a Maintenance Loan if they cannot attend their course in person because of a disability. A Tuition Fee Loan may still be available.

Source: GOV.UK, part-time students

Who qualifies

It depends on your university or college, your course, any previous higher education study, your age, and your nationality or residency status.

Source: GOV.UK, who qualifies

Repaying (Plan 5)

If you started an undergraduate course on or after 1 August 2023, you repay 9% of income over £25,000 a year. Plan 5 loans are written off 40 years after the April you were first due to repay.

Source: GOV.UK, what you pay Source: GOV.UK, when loans are written off

Figures checked against GOV.UK on 6 October 2026. For courses starting on or after 1 January 2027, student finance changes to the Lifelong Learning Entitlement.

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More Student Finance guides

Other guides from our Student Finance section.

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Register your interest in under 2 minutes. A dedicated student advisor will contact you to check eligibility, explain tuition and maintenance funding, and guide you through every step to enrolment.

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  • Tuition & Maintenance Support
  • Dedicated Advisor
  1. 01 Register your interest
  2. 02 Advisor calls you back
  3. 03 Apply & enrol with support

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