Part 3: Treatment of incomeChapter 15: How income affects universal credit1. Working out your income2. Grants and loansIf you get a student loanIf you do not get a student loan3. Dividing income throughout the year4. Other paymentsProfessional and career development loansSDS Individual Training Account payments5. Earnings6. Benefits7. Maintenance8. Savings and other capitalChapter 16: How income affects means-tested benefits1. Working out your income2. Grants and loansGrantsUndergraduate grantsParamedic, nursing and midwifery students' grantsPostgraduate grantsGrants in further educationStudent loans3. Dividing student income throughout the yearStudent loansCourses 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 earlyGrantsThe standard rule for grantsHigher education grantsParamedic, nursing and midwifery bursariesFurther education grantsPostgraduate fundingIf you leave your course early4. Discretionary funds and other paymentsDiscretionary fundsLump-sum paymentsRegular paymentsPayments before a course starts or before a loan is paidOther paymentsVoluntary or charitable paymentsProfessional and career development loansSDS Individual Training Account payments5. Earnings6. Benefits and tax credits7. Maintenance8. Savings and other capitalChapter 17: How income affects tax credits1. Working out your income2. Grants and loans3. Earnings4. Benefits5. Other incomeIncome from self-employmentSavings and investmentsPropertyMaintenanceChapter 18: How income affects health benefits1. Working out your income2. Grants and loansGrantsStudent loan3. Discretionary funds and other paymentsDiscretionary fundsLump-sum paymentsRegular paymentsOther paymentsVoluntary or charitable paymentsProfessional and career development loans4. Earnings5. Benefits and tax credits6. Maintenance7. Savings and other capital