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Maintenance loan without tuition loan pls help - is it actually possible?

Does anyone know if I can take out a maintenance loan but pay for my tuition privately? Most websites say it's possible, but there's little explanation on how to do this...Apparently it tends to be for religious reasons, so do you think it's still possible if I'm just doing it for practicality's sake?
I plan to firm UCL in the coming weeks for 2026 entry, so I'd be living in London (I currently live elsewhere). The government calculator said I'm eligible to around £6800 for the maintenance loan so I'm assuming they'd still give me this amount despite not opting for a tuition loan?
Thanks so much guys :smile:
Original post
by gracehime100
Does anyone know if I can take out a maintenance loan but pay for my tuition privately? Most websites say it's possible, but there's little explanation on how to do this...Apparently it tends to be for religious reasons, so do you think it's still possible if I'm just doing it for practicality's sake?
I plan to firm UCL in the coming weeks for 2026 entry, so I'd be living in London (I currently live elsewhere). The government calculator said I'm eligible to around £6800 for the maintenance loan so I'm assuming they'd still give me this amount despite not opting for a tuition loan?
Thanks so much guys :smile:

Yes this is possible - you apply for both the maintenance and tuition loan via student finance at the same time, but you can simply put £0 on the amount of tuition loan you'd like to get, and that's that done. Although I'm a bit curious as to why do you think this is practical?
Original post
by gracehime100
Does anyone know if I can take out a maintenance loan but pay for my tuition privately? Most websites say it's possible, but there's little explanation on how to do this...Apparently it tends to be for religious reasons, so do you think it's still possible if I'm just doing it for practicality's sake?
I plan to firm UCL in the coming weeks for 2026 entry, so I'd be living in London (I currently live elsewhere). The government calculator said I'm eligible to around £6800 for the maintenance loan so I'm assuming they'd still give me this amount despite not opting for a tuition loan?
Thanks so much guys :smile:

It is possible but I would urge you to read the following article before you decide to do this:

https://www.moneysavingexpert.com/students/student-loans-england-plan-5/

Reply 3

Original post
by Scotland Yard
Yes this is possible - you apply for both the maintenance and tuition loan via student finance at the same time, but you can simply put £0 on the amount of tuition loan you'd like to get, and that's that done. Although I'm a bit curious as to why do you think this is practical?

Thank you so much, this is so helpful! The practicality side of things is because my parents would want to help me throughout the years with the tuition loan, so if possible, I'd like everything to be settled in one go, since there isn't much of a financial strain, which I am very grateful for. I would still want to get a maintenance loan though since I wouldn't want my parents paying for everything, and I think I need to be a bit more independent + after my BSc, I plan on doing a masters and potentially a DPhil, so I don't want to accidentally dry up the coffer - esp. since my undergrad will be in London so the price of accommodation is quite high.

Reply 4

Original post
by normaw
It is possible but I would urge you to read the following article before you decide to do this:
https://www.moneysavingexpert.com/students/student-loans-england-plan-5/

Thank you so much!
Original post
by gracehime100
Thank you so much, this is so helpful! The practicality side of things is because my parents would want to help me throughout the years with the tuition loan, so if possible, I'd like everything to be settled in one go, since there isn't much of a financial strain, which I am very grateful for. I would still want to get a maintenance loan though since I wouldn't want my parents paying for everything, and I think I need to be a bit more independent + after my BSc, I plan on doing a masters and potentially a DPhil, so I don't want to accidentally dry up the coffer - esp. since my undergrad will be in London so the price of accommodation is quite high.

You will need to significantly supplement your maintenance loan though to live in London (rent alone will be higher than the figure you quote in your first post), so your parents could maybe help you through supplementing the maintenance loan instead of by paying tuition fees? Because, in the grand scheme of things, the tuition loan is actually a pretty reasonable thing to take out.

Reply 6

Original post
by Scotland Yard
You will need to significantly supplement your maintenance loan though to live in London (rent alone will be higher than the figure you quote in your first post), so your parents could maybe help you through supplementing the maintenance loan instead of by paying tuition fees? Because, in the grand scheme of things, the tuition loan is actually a pretty reasonable thing to take out.
My parents have kindly agreed to help me with supplementing the maintenance loan as well as the tuition fees, so for the time being, the plan would be to only take out a maintenance loan, but I totally agree that the tuition loan is a very reasonably thing to take out, and I will have another thorough think before making my final decision!
Original post
by gracehime100
My parents have kindly agreed to help me with supplementing the maintenance loan as well as the tuition fees, so for the time being, the plan would be to only take out a maintenance loan, but I totally agree that the tuition loan is a very reasonably thing to take out, and I will have another thorough think before making my final decision!


Your repayments will still be the same once you graduate whether you take the tuition fee loan or not as repayments are based on what you are earning above the threshold (9% of salary above £25k), not on how much you borrowed. The only difference is you will pay back for longer if you have a larger loan but this is not likely to be an issue in your later working life. I would encourage you to reconsider letting your parents pay tuition fees and talk to them about putting the equivalent amount in a savings account or lifetime ISA so that it can be used towards a deposit on a house/flat once you graduate to help you become independent.
Original post
by gracehime100
Does anyone know if I can take out a maintenance loan but pay for my tuition privately? Most websites say it's possible, but there's little explanation on how to do this...Apparently it tends to be for religious reasons, so do you think it's still possible if I'm just doing it for practicality's sake?
I plan to firm UCL in the coming weeks for 2026 entry, so I'd be living in London (I currently live elsewhere). The government calculator said I'm eligible to around £6800 for the maintenance loan so I'm assuming they'd still give me this amount despite not opting for a tuition loan?
Thanks so much guys :smile:

Yes it's possible but as above if you're entitled to the loan you are actually doing yourself a disservice not taking it out. It's not a bank loan and the terms of how it's set up are EXTREMELY in your favour as the loanee. You would be better off taking out the tuition fee loan and having your parents just set aside the money they were going to spend on tuition fees to form a pot for you to e.g. use as a deposit for a house to buy later after you graduate or similar. Unless you are literally not entitled to it (e.g. prior study, not resident in UK for last 3 years) or can't take it out for religious/cultural reasons (e.g. due to interest based finance) there's no reason not to take out the maximum of both tuition fee and maintenance loan.
(edited 1 month ago)

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