1. Finance Information for 2014/15 Entry

2. Key Facts You do not pay tuition fees up front You need to be earning at least £21,000 a year before you start paying back Repayments are from as little as £4.00 a month Graduate employment rates remain high (91% within six months of graduation)

3. Key Words Fees – Amount charged to study on the course. Generally apply to all undergraduate degrees with some exceptions for health courses. Paid per year of study Loans – Taken out to cover tuition fees and living costs. Need to be paid back gradually once earning a certain amount Grants – Money from the government which doesn’t have to be paid back. Amount received generally dependent upon income Living costs – Food, accommodation, bills, course costs etc. Interest – The fee charged to you for the use of borrowed money Residual household income? This is effectively the household income BEFORE tax and AFTER any pension contributions or allowances for dependant children.

4. How much will it cost?  Annual Tuition Fees for 2014-15 York St John University tuition fees are £9,000  Accommodation - approx. £4,000-£7,000 Pay termly, in advance, by cheque or direct debit  Living Expenses - approx. £4,000 (but varies!) Food, books, course costs, clothes, laundry, entertainment, travel home

5. Financial help is available Tuition Fees  Do not have to pay up front or whilst studying  Tuition Fee Loan available from the Student Loans Company  Loan also available for eligible part-time, first- degree students who complete minimum of 25% of full time course load  Some exemptions to fees– NHS courses e.g. Physiotherapy and Occupational Therapy

6. Financial help available from York St John Fee Waivers and Scholarships In 2014/15 YSJ will offer three different types of fee waivers to students who meet the required criterion. YSJ Fee Waiver - unlimited number of the fee waivers to all undergraduate students whose residual family income falls within the thresholds below and are paying £9,000. Eligibility will be reviewed annually. Residual annual family income Fee Waiver per annum for 2014/15 onwards Below £10,000£3,000 £10,000 - £19,999£2,000 £20,000 - £42,620£1,000

7. Financial help available from York St John National Scholarship Programme (NSP) Fee Waiver - English students paying fees of £9,000 with residual household income below £25,000 may also be eligible for one of the NSP Fee Waivers. This fee waiver is limited in number, for one year of study only, to first year undergraduate students based on a range of background criteria. YSJ Entry Scholarships- 150 students will receive a fee waiver of £2,000 and a bursary of £1,000 for the first year of their course in recognition of outstanding academic achievement. NB: These fee waivers and scholarship are only available to home students studying a first degree which is HEFCE funded (excludes NHS) and who gained ABB+ or equivalent on entry to York St John University. SPARK Scholarships

8. Financial help is available Living Cost Loan  Available for all eligible full-time students  All students are eligible for 65% of the loan, further 35% is means-tested on residual household income  In 2014/15 the maximum annual loan available if you live with your parents will be £4,418, if you live away from home £5,555  Paid in three instalments at the beginning of each term

9. Financial help is available Living Cost Grant for full-time students:  The amount of the grant is dependant on residual household income  Available for eligible full-time students  This help does not have to be repaid  Maximum grant available of £3,387 if your residual household income below £25,000  Partial grant if residual household income is up to £42,620 Apply for all funding via www.gov.uk/studentfinancewww.gov.uk/studentfinance

11. NHS Funding Tuition Fees for NHS Courses  Students on NHS funded courses do not pay tuition fees. The NHS meet the full cost of tuition fees. NHS Grant  Available for all eligible full-time NHS students  Non means-tested  Maximum amount available £1,000

12. NHS Funding NHS Bursary Available for eligible full-time NHS students Non-repayable Maximum amount available £5,460 The amount of bursary you can get depends on:  Where you live  Where you study  Whether you live with your parents  The number of weeks you study each year  Household income Paid over 12 months Once you have a place on an NHS funded course you will need to register for an account and then make your application via the website below: https://myaccount.nhsbsa.nhs.uk/Pages/Login.aspx

13. Financial help is available Living Cost Loan  Available for all eligible full-time NHS students  In 2013/14 the maximum annual loan available £2,324 (final year loan rate £1,811)  Apply on a online application via www.gov.uk/studentfinance www.gov.uk/studentfinance  Paid in three instalments at the beginning of each term

14. Care Leavers Extra help if you're leaving local authority care Extra funding from your Local Authority, please visit www.gov.uk for more information.www.gov.uk Care Leaver and Foyer Allowance Available to students who have been in care or a Foyer Foundation for at least 3 months within 3 previous years before study. The awards will be granted on an individual basis.

15. Repayment of loans SalaryAmount of salary from which 9% will be deducted Monthly repayment £21,500£500£4.00 £25,000£4,000£30.00 £30,000£9,000£67.50 £35,000£14,000£105.00 £40,000£19,000£142.50 £45,000£24,000£180.00 £50,000£29,000£217.50 £55,000£34,000£255.00 £60,000£39,000£292.50

16. Interest Rates During study until entering repayment Retail Price Index (RPI) +3% Income: Below £21,000 RPI Only Income Between: £21,000 - £41,000 RPI plus some amount between 0% and 3% Income: Above £41,000 Retail Price Index (RPI) +3%

17. Accommodation Will undoubtedly be your biggest spend Be realistic Do you NEED an en-suite? What is included? Remember your TV licence! Sharing your flat = sharing the cost Visit the accommodation Check contracts from private landlords Parking – additional permit charge?

18. Shopping Don't be a supermarket snob! Do not use local convenience stores / corners shops very often Be sensible when it comes to special offers Don’t go shopping after a big night out or when you are hungry! Sign up for a loyalty / reward card Visit local produce markets – fresh and cheap! And you may be able to haggle! Visit supermarkets about an hour before they close Get a bag for life! Plan ahead what you need for the week

19. Entertainment Look for midweek student deals NUS discounts / student concessions Galleries / museums and other attractions free entry Group on / voucher code deals Limit your socialising spends Use your Students’ Union for cheap drinks, food and other activities during term time Join a club or society! Fresher's wristbands or entertainments packages available from most universities Fresher’s Fairs = lots of freebies and vouchers

20. Travel Do you really need to bring a car to University? If it is off-road for most of the year – SORN it! Don’t use taxi’s unnecessarily Use public transport Student Rail cards = 1/3 off all fares! Buy weekly / monthly bus passes Use park and ride services Buy a bicycle!

21. University Return your library books on time Don’t eat in the canteen / dining hall everyday Be careful of what you print Buy second hand books from amazon where possible Check out noticeboards / forums for graduates selling off items especially books and other useful resources Look out for part time job opportunities around campus that fit well around your studies Keep an eye out for events and opportunities within the university that could be a cheap way to socialise or could lead to employment

22. Be part of the National Union of Students….. The Only Official Student Discount Card £12 for 12 months (Or FREE if your in University Halls) Order online or from in the SU Can purchase anytime of the year Discounts and benefits in 160 high street stores and online, including Jack Wills, Amazon, Topshop, McDonalds & many more!

23. Don’t struggle alone… speak up! There are many points of contact throughout the university if you are having money worries, but start with the student funding, advice and welfare team! Many universities have hardship funds available in extreme circumstances. Visit the money saving expert website for specific advice and tips for students, including: Council tax discounts Student bank accounts Overpayment of tax TV licence refunds Student insurance http://www.moneysavingexpert.com/students/student-guide

24. Top Tips Spend time making a budget planner. Accommodation will be your biggest spend. So be realistic. Do you NEED an en-suite? Open a Student Bank Account. Check for charges. Many Banks offer an Interest Free Overdraft Watch out for discounts. Use your NUS Card Part-Time Jobs: o Transfer Employment o Access the Careers and Employability Team Work and Save Now

25. Contacts Student Funding Advice Team 01904 876939 fundingadvice@yorksj.ac.uk Useful websites: www.yorksj.ac.uk www.gov.uk/studentfinance www.nhsbsa.nhs.uk www.studentloanrepayment.co.uk www.studentfinanceengland.co.uk

26. Have a great day!