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Student Advice and Wellbeing

Increasing Income

Make sure that you are getting all the income that you are entitled to. For example, are you getting the correct amount of student loan and maintenance grant? Are there any welfare benefits or allowances or other loans that you may be entitled to? Have you explored other areas of funding? – for example scholarships, charities and trusts, and hardship funds. The Welfare Office can advise you if you think you are not getting everything you are eligible for. Or check out www.gov.uk/browse/education/student-finance for a student calculator and accommodation bursaries.

Consider taking a part-time job. Even a few hours work per week can make a difference and many students work part-time. Consult the Careers Service in room G12, the Students Union, ULU and employment agencies for job opportunities. Work as much as possible in the vacations and try to use this money to reduce your overdraft and to save, so that it is available for use in term-time when you cannot work so many hours.

If you are working, make sure you don’t pay any more tax and national insurance contributions than you need to. See www.hmrc.gov.uk/students/

Make sure you are getting the best possible deal at your bank with a student account and interest-free overdraft facility which can help you get over temporary difficulties. Do not go over your authorised limit or you will be charged interest and/or bank charges.