Overview
If you’re a UK/Home student living England and starting an eligible undergraduate course in 2027–28, you’ll apply for student finance through Student Finance England and the Lifelong Learning Entitlement (LLE).
If you’re a UK / Home student living in Wales, Scotland or Northern Ireland, you’ll apply through the student finance body for the nation where you live. Different funding arrangements apply.
You may be able to apply for:
- a Tuition Fee Loan to help pay your tuition fees
- a Maintenance Loan to help with living costs such as accommodation, food and travel.
Lifelong Learning Entitlement
The Lifelong Learning Entitlement (LLE) is the new student finance system for eligible courses starting from 1 January 2027. It replaces the previous higher education student finance system.
The LLE is based on the number of credits you study. A full-time undergraduate degree is usually 120 credits per year.
If you’re a new learner eligible for the LLE, you can normally access up to £39,160 in Tuition Fee Loans over your lifetime through the Lifelong Learning Entitlement.
This is the total tuition fee entitlement, not the amount you can borrow each year.
£39,160 is equivalent to four years of full-time undergraduate degree-level study or 480 credits.
Your entitlement may be reduced if you have studied previously.
The LLE also gives you more flexibility to use student finance for eligible courses and modules over your lifetime.
Tuition Fee Loan
For 2027–28, the maximum tuition fee for a standard full-time undergraduate course at an approved university such as the University of Brighton is £10,050.
If you’re eligible for a Tuition Fee Loan, you can borrow up to the full cost of your tuition fees. The loan is paid directly to the university.
Maintenance Loan
A Maintenance Loan can help with living costs while you study. The amount you can borrow depends on factors including:
- your household income
- where you live while studying
- where you study
- how many credits you study.
Maintenance Loan rates for 2027–28 will be confirmed by the UK government in due course. The maximum amount is expected to increase in line with forecast inflation.
Repaying your student loan
You don’t start repaying your LLE student loan until you’ve left your course and your income is above the repayment threshold.
LLE loans use the Plan 5 repayment system. You repay 9% of your income above the repayment threshold.
The repayment threshold is currently £25,000 a year and is due to increase in line with inflation from April 2027.
Repayments are normally deducted automatically from your salary.
When to apply
If you’re starting an eligible course in September 2027, you’ll apply for student finance through the Lifelong Learning Entitlement.
Applications for courses starting from August 2027 are expected to open in spring 2027.
You do not need to have a confirmed university place before you apply.
Learn more about the Lifelong Learning Entitlement.