1. You, Money And University Kelly Parkins education-liaison@bradford.ac.uk

2. You CAN Afford To Go To University You Do Not Pay Tuition Fees Up Front ● Maintenance Loans And Grants Help You Financially While You Study ● You Only Start Paying Once You Earn Above £21,000 ● If You Earn £25,000 A Year You Will Pay Only £30 A Month ● After 30 Years Any Remaining Debt Is Wiped ● You Can Work Up To 16 Hours A Week While You Study ● You Will Be Entitled To Student Discounts ●

3. This Loan Helps With Your Living And Learning Costs This Will Be Paid Directly Into Your Bank Account In Three Instalments The Amount You Receive Will Depend On Your Family’s Income This Loan Is Repayable (After Graduation) Maintenance Loan

4. You Are Entitled Up To £3,354 If Your Family Incomes Is Up To £25,000 ● You Are Entitled To A Partial Grant For An Income Of £25,000 - £42,611 ● This Will Be Paid Directly Into Your Bank Account In Three Instalments ● Means Tested And Non-repayable ● Maintenance Grant

5. Student Loan Support Package 2013/14* Household Income Maintenance Grants Maintenance Loans Total £25,000 or less £3,354 £3,823 £7,177 £30,000 £2,416 £4,292 £6,708 £35,000 £1,478 £4,761 £6,239 £40,000 £540 £5,230 £5,770 £45,000 £0 £5,288 £50,000 £0 £4,788 £55,000 £0 £4,288 £60,000 £0 £3,788 Over £62,500 £0 £3,575 For Students Living Away From Home But Not Living in London*

6. Create A Student Finance Account At: www.studentfinance.direct.gov.uk You Will Need Your UCAS Details To Login Your Household Income Needs Submitting (Parents Can Submit This) Give Permission For Your Information To Be Shared As You May Be Entitled To Bursaries Or Scholarships Everything Student Finance Asks You To Send, Post ASAP How Do I Apply For Student Finance?

8. You Parents

15. What Does Your Student Finance Cover?

16. What Money Might I Have Coming In?

17. Estimated Living Costs In Bradford Description42 weeks51 weeks Accommodation£2,100 to £4314£2,550 to £5,239 Food, Toiletries And Laundry£1,680£2,040 Books, Photocopying, Printing£420£510 Insurance For Personal Possessions£70 Transport£420£510 Initial Set Up Costs£300 ESTIMATED TOTAL£4,990 to £7,204£5,980 to £8,669

18. What Do You Spend Your Money On? Example: £3.00 Meal Deal week days  £750 per year 70p Chocolate Bar Daily  £255 per year £1.15 Bottle of Coke Daily  £419.50 per year £25 Monthly Mobile Contract  £300 per year £10 ITunes Monthly  £120 per year £50 Clothes Monthly  £600 per year £10 Weekly Travel  £520 per year 20 Cigarettes a day  £2,588 per year! £20 Misc Expenses Monthly  £1,040 per year HOW MUCH IS THIS A YEAR:  ????

19. £6,592!

21. Useful Websites www.ucas.com - University application form & bursary information www.bursarymap.direct.gov.uk - Information about bursaries www.direct.gov.uk/studentfinance - Information about finance, application form student & finance calculator www.aimhigher.ac.uk - Information about going to university, finance etc www.studentsurvivor.org.uk - Test your budgeting skills and keep a student alive for a week! www.moneysavingexpert.com/shopping/demotivator/ - Look at what you spend your money on