Part 3: Treatment of incomeChapter 21: How income affects universal credit1. Working out your income2. Grants and loansIf you get a student loan for living costsIf you do not get a student loan for living costs3. Dividing income throughout the year4. Other paymentsProfessional studies loans5. Earnings6. Benefits7. Maintenance8. Savings and other capitalChapter 22: How income affects means-tested benefits1. Working out your income2. Grants and loansGrantsHigher education grantsHealthcare student allowancesOther grants for vocational coursesPostgraduate grantsFurther education grantsStudent loansStudent loan for feesStudent loan for living costsPostgraduate loansGrants and loans checklist3. Dividing income throughout the yearGrantsHigher education maintenance grantHealthcare student bursaries and the NHS training grantSocial work bursariesPostgraduate grantsIf you leave your course earlyLoan for living costsCourses starting in the autumn term lasting more than a yearCourses not starting in the autumn termCourses lasting one year or lessIf you leave your course early4. Discretionary funds and other paymentsHardship fundsLump-sum paymentsRegular paymentsPayments before a course starts or before a loan is paidInstitutional bursariesVoluntary or charitable paymentsProfessional studies loans5. Earnings6. Benefits and tax credits7. Maintenance8. Savings and other capitalChapter 23: How income affects tax credits1. Income and tax credits2. Grants and loansGrants and loans checklist3. Earnings4. Benefits5. Other incomeIncome from self-employmentSavings and investmentsPropertyMaintenanceChapter 24: How income affects health benefits1. Working out your income2. Grants and loansGrantsFurther education grantsHigher education grantsPostgraduate grantsStudent loanGrants and loans checklist3. Discretionary funds and other paymentsHardship fundsLump-sum paymentsRegular paymentsVoluntary or charitable paymentsProfessional studies loans4. Earnings5. Benefits and tax credits6. Maintenance7. Savings and capital