@21scopeIn answer to your concerns/questions.
There are lectures and seminars.
During lectures, you listen to a lecturer talk for one or two hours about a particular topic. If the lecture goes on for two hours, there is normally a break where you can grab a coffee/go to the toilet. You can ask questions, but it's really a time when you listen and take notes, while the lecturer presents a PowerPoint or a Prezi.
During seminars, you have the opportunity to think about what you have learnt from the lecture. There is time to discuss with other students and to work in pairs or groups. There are different tasks that you are given to do with a lecturer leading the session. Seminars are a bit like workshops, quite relaxed and focused on working together to consolidate learning.
Student loans...
Student loans help to cover tuition fees and accommodation costs. After leaving university, when you get a job that pays over a certain amount, money will be deducted from your monthly pay for the student loan. It is a small amount so it normally takes years to pay off the student loan, but if you are able to save money then you can pay off a large amount at one time rather than waiting for a little bit of money to come out each month. The main problem with student loans is interest. So at present interest rates are high, so you will have to pay back more for the student loan.
It is what it is. You get the chance to do your degree with less financial stress!
All that being said, it is worthwhile to think about finances and how you plan to manage at uni.
How much is your family willing to support you? Are you planning to work during term-time or during the holidays? Are you entitled to a bursary (money that you don't have to pay back)? For example, I am studying podiatry and students get a minimum of £5K each year (paid in instalments) more if they have children, and an extra 1K as there is a shortage of podiatrists. There are a few
NHS courses which are entitled to bursaries. Are there any scholarships that the university has or other means of funding available to you?
Hope that helps,
Oluwatosin – 2nd year student – University of Huddersfield