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This is part of our information on money matters covering sources of funding.

New undergraduate entrants from 2027/28 onwards.

The way that student finance works is changing. Students funded by Student Finance England (SFE) who start their degree from 2027 onwards can apply for the Lifelong Learning Entitlement (LLE). This will include students who have deferred their studies to start in 2027/28. 

LLE only applies to students living in England funded by SFE. The regional funding bodies for Wales, Northern Ireland or Scotland have not announced plans to change their current funding systems.

Full details of the LLE are not yet finalised by the government.

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• LLE funding is designed to give individuals more flexible access to higher education throughout their lives.
• LLE will include tuition fee loans – paid directly to a student’s university to cover tuition fees – and maintenance loans – paid to students as a contribution towards accommodation and living expenses.
• Eligible students may be able to access funding loan entitlement equivalent to up to four years of full-time higher education study. This funding can be used to complete a full time qualification.
• Previous HE study may impact on LLE entitlement as students may only have some, or none, of their fee entitlement left, depending on previous funding received.
• Students beginning the PGCE course in 27/28 will fall under the new LLE system and previous HE study will be considered when SFE decide on funding entitlement.
• Students will get up to 2 years of special additional entitlement if they take an architecture course (including ‘part 2’ courses taken after completion of an undergraduate degree in architecture)
• Students can get special additional entitlement worth the cost of their study if they:
  • take foundation years
  • study abroad
  • are on a work placement
  • are on the Turing scheme (expected to change to the European Erasmus+ Scheme in 2027
• Rates of tuition fee loans and maintenance loans for living costs will be proportional to the number of modules students are studying. If students are not studying full-time (e.g. repeat years, stretching) then there will be an impact on the rate of maintenance loan received.
• Lifelong Learning Entitlement also aims to include sharia compliant funding for Muslim students, removing the barriers presented by loans that accrue interest. Updates will appear on 

Applications for LLE funding will be made through Student Finance England in a similar way to existing student finance. Students will need to:

• and provide course details and personal circumstances.

Students will receive confirmation of their eligibility and funding once the application is assessed.

Applications are expected to open in March 2027 for courses starting from the 2027 academic year.

Tuition fee loan

This will be paid direct to the University by SFE.

Maintenance loan

• The first instalment will be paid once the University has confirmed to SFE that a student has registered on their course.
• Further payments will be made termly on the same day of the month that registration was originally confirmed for the academic year. These instalments may arrive after the start of term.
• Students can ask to be paid on a different schedule under some circumstances
• If there’s less than one month of the course left on the final scheduled payment date, the payment will be brought forward.

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Repayments terms will follow the .

• Higher Education students on courses that start in 2026 or earlier will continue on their existing student funding. If a student changes degrees after starting University, they may be treated as a new student and move on to LLE – detailed information is still to be published.
• Time away from an existing course could impact on a student’s ability to remain on the pre-LLE funding system.
• The introduction of the LLE will not make changes to postgraduate funding.

Last updated: 28th October 2026