ContentsForewordAbbreviationsMeans-tested benefit rates 2020/21Non-means-tested benefit rates 20201/21Tax credit rates 2020/21Student support rates 2020/21How to use this Handbook Part 1 Student supportChapter 1 Further education student support1. Student support in England2. Student support in Wales3. Student support in Northern Ireland Chapter 2 Undergraduate student support: England1. Full-time undergraduates2. Part-time undergraduates3. How income affects student support4. Discretionary and institutional funds Chapter 3 Undergraduate student support: Wales1. Full-time undergraduates2. Part-time undergraduates3. How income affects student support4. Discretionary hardship funds Chapter 4 Undergraduate student support:Northern Ireland1. Full-time undergraduates2. Part-time undergraduates3. How income affects student support4. Discretionary support funds Chapter 5 Postgraduate student support1. Studentships2. Postgraduate loans formaster’s degrees3. Postgraduatemaster’s bursaries in Wales4. Postgraduate loans for doctoral courses5. Disabled students’ allowance6. Postgraduate support in Northern Ireland Chapter 6 Vocational courses and other sources of student support1. Healthcare students in England and Wales2. Healthcare students in Northern Ireland3. Initial teacher training in England4. Initial teacher training in Wales5. Initial teacher training in Northern Ireland6. Social work students7. Dance and Drama Awards8. Alternative sources of finance Part 2 Benefits and tax creditsChapter 7 Carer’s allowance1. What is carer’s allowance2. Who is eligible3. Amount of benefit4. Claiming carer’s allowance5. Challenging a decision6. Other benefits and tax credits Chapter 8 Child benefit1. What is child benefit2. Who is eligible3. Amount of benefit4. Claiming child benefit5. Challenging a decision6. Other benefits and tax credits Chapter 9 Disability living allowance1. What is disability living allowance2. Whois eligible3. Amount of benefit4. Claiming disability living allowance5. Challenging a decision6. Other benefits and tax credits Chapter 10 Employment and support allowance1. What is employment and support allowance2. Whois eligible3. Limited capability for work4. Amount of benefit5. Claiming employment and support allowance6. Challenging a decision7. Other benefits and tax credits Chapter 11 Health benefits1. What are health benefits2. Who is eligible3. Claiming health benefits and refunds4. Challenging a decision5. Overseas students Chapter 12 Housing benefit1. What is housing benefit2. Whois eligible3. Basic rules4. Amount of benefit5. Claiming housing benefit6. Challenging a decision7. Other benefits and tax credits Chapter 13 Income support1. What is income support2. Who is eligible3. Basic rules4. Amount of benefit5. Claiming income support6. Challenging a decision7. Other benefits and tax credits Chapter 14 Jobseeker’s allowance1. What is jobseeker’s allowance2. Who is eligible3. Basic rules4. Amount of benefit5. Claiming jobseeker’s allowance6. Challenging a decision7. Other benefits and tax credits Chapter 15 Maternity, paternity and other parental payments1. What are maternity, paternity and other parental payments2. Who is eligible3. Amount of benefit4. Claiming maternity, paternity and other parental payments5. Challenging a decision 6. Other benefits and tax credits Chapter 16 Personal independence payment1. What is personal independence payment2. Who is eligible3. Amount of benefit4. Claiming personal independence payment5. Challenging a decision6. Other benefits and tax credits Chapter 17 The social fund1. What is the social fund2. Sure Start maternity grants3. Funeral expenses payments4. Budgeting loans5. Local welfare assistance schemes6. Challenging a decision Chapter 18 Universal credit1. What is universal credit2. Who is eligible3. Basic rules4. Amount of benefit5. Claiming universal credit6. Challenging a decision7. Other benefits and tax credits Chapter 19 Child tax credit1. What is child tax credit2. Who is eligible3. Amount of child tax credit4. Claiming child tax credit5. Challenging a decision6. Tax credits and benefits Chapter 20 Working tax credit1. What is working tax credit2. Who is eligible3. Amount of working tax credit4. Claiming working tax credit5. Challenging a decision6. Tax credits and benefits Part 3 Treatment of student incomeChapter 21 How income affects universal credit1. Working out your income2. Grants and loans3. Dividing student income throughout the year4. Other payments5. Earnings6. Benefits7. Savings and capital Chapter 22 How income affects means-tested benefits1. Working out your income2. Grants and loans3. Dividing student income throughout the year4. Discretionary funds and other payments5. Earnings6. Benefits and tax credits7. Maintenance8. Savings and capital Chapter 23 How income affects tax credits1. Income and tax credits2. Grants and loans3. Earnings4. Benefits5. Other income Chapter 24 How income affects health benefits1. Working out your income2. Grants and loans3. Discretionary funds and other payments4. Earnings5. Benefits and tax credits6. Maintenance7. Savings and capital Part 4 Other issuesChapter 25 Council tax1. What is council tax2. Who pays council tax3. Council tax reduction4. Second adult rebate Chapter 26 Time out from studies1. Ill health2. Pregnancy and children3. Carers4. Re-sits5. Time out for other reasons AppendicesAppendix 1 Information and adviceAppendix 2 Useful addressesAppendix 3 Abbreviations used in the notes