Chapter 17: Student debt1. Financial support for higher education studentsAdvising students2. Stages of debt adviceExploring the debt problemList creditors and minimise debtsList incomePeriod to be usedList expenditureTuition fees: full-time undergraduate studentsTuition fees: part-time undergraduate studentsTuition fees: postgraduate or second degree studentsBooks/reading packs (including access to ebooks)Stationery, materials and costs related to field tripsTransport costsRoom/contents insuranceTelephone and broadband3. Types of debtBank overdraftSpecial featuresDebts to the educational institutionAccommodation chargesFines and other chargesTuition feesRecovery of debts to the institutionGraduate loanThe legal positionSpecial featuresIncome-contingent student loanPlan one loansPlan two loansPlan three loansPlan five loansMortgage-style or fixed-term student loanThe legal positionSpecial featuresChecklist for actionOverpaid grant for living costsThe legal positionSpecial featuresOverpaid income-contingent student loanSpecial featuresProfessional and career development loanSpecial featuresProfessional studies loanThe legal positionSpecial features4. Minimising debtsReducing council tax bills5. Maximising incomeBank loansBank overdraftsBenefitsUniversal creditChild tax creditHealth benefitsHousing benefitIncome supportIncome-based jobseeker’s allowanceStudents taking time out from their studiesBursariesCharitiesEmploymentTax refundsGrantsMaintenance grant in EnglandWelsh government learning grantTravel allowancesCare leaversSocial work coursesHardship fundsLoans for living costsIncome-contingent student loansLong courses loanStudying abroadChange in circumstancesNHS bursariesPart-time supportPostgraduate supportProfessional studies loansResearch councilsSupplementary grantsDisabled students’ allowanceAdult dependants’ grantChildcare grantParents’ learning allowanceTeacher training incentivesHelp with tuition feesAdditional funds to assist students6. Dealing with priority debts