Benefits for Students in Scotland Handbook 2025/26Part 2: Student support Chapter 11: Student support
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Chapter 11: Student support
This chapter outlines the support available for people studying in Scotland who are eligible for student support under the Scottish system. It lists the type of support available, but it does not describe the rules for qualifying for that support in any detail – eg, residence rules. For where to find information on claiming student support and how much you may get, see Appendix 2. See Chapter 12 for how student support affects universal credit, Chapter 13 for how it affects other means-tested benefits, and Chapter 14 for how it affects health benefits.
Basic facts
    •Most full-time undergraduate students are eligible for a student loan, and they may also get a bursary and living costs grant.
    •Full-time students in non-advanced education may be eligible for a bursary maintenance allowance and grants for travel and study costs.
    •Part-time students may get help with fees and other limited support.
    •Care-experienced students (students who have been in local authority care) may get a care-experienced students’ bursary.
1. Full-time higher education
This section is for full-time undergraduate degree students (including allied health profession students) and full-time students on Higher National Certificate (HNC)/Higher National Diploma (HND) courses. It is also relevant for full-time students on Professional Graduate Diploma in Education courses. Funding is different for other full-time postgraduates (see here) and for paramedic, nursing and midwifery students (see here).
Student support from Student Awards Agency Scotland (SAAS) is made up of:1Loans The Student Support (Scotland) Regulations 2022 No.157
Grants The Student Support (Scotland) Regulations 2022 No.157
See also Student Awards Agency Scotland, Guide to Undergraduate Funding at saas.gov.uk/full-time/undergraduates
    •tuition fees;
    •student loan for maintenance;
    •special support loan;
    •care-experienced students’ bursary;
    •young students’ bursary;
    •independent students’ bursary;
    •estranged students’ bursary;
    •lone parents’ grant;
    •summer accommodation grant;
    •disabled students’ allowance.
In addition, your college or university administers a:
    •higher education (HE) discretionary fund;
    •childcare fund, including lone parents’ childcare grant.
Travel expenses are not covered, except for students doing a placement on an allied health profession or nursing course and for disabled students who cannot use public transport.
 
1     Loans The Student Support (Scotland) Regulations 2022 No.157
Grants The Student Support (Scotland) Regulations 2022 No.157
See also Student Awards Agency Scotland, Guide to Undergraduate Funding at saas.gov.uk/full-time/undergraduates
 »
Previous study
You cannot usually get your tuition fees paid if you completed a full-time HE course (ie, degree, HNC, HND, postgraduate, graduate apprenticeship) on or after 2005/06 and received support from public funds.
You may be able to get one year’s additional funding if you need this – eg, to change courses or repeat a period of study. This is known as a ‘plus one’ year.
Contact SAAS to check your entitlement. Even if you are not entitled to help with your tuition fees, you can normally apply for a student loan and living costs grants (but not an independent, estranged or young students’ bursary).
Tuition fees
Tuition fees are paid directly to your college or university. Your income is not assessed and the amounts are not repayable. If your fees are higher than the amounts payable, you must pay the difference.
Tuition fees 2025/26
Course / place of study
Tuition fees
HNC/HND or equivalent
£1,285
Degree or equivalent
£1,820
Private college/institution
£1,205
Student loans
Student loans are low-interest loans for students, only repayable when you have graduated and are earning over £32,745 a year. You repay the loan at a rate of 9 per cent of your income which exceeds £32,745. Student loans are partly based on your income. You must provide a national insurance number in order to get a loan. If you do not have one, you can apply to the DWP.1The Social Security (National Insurance Numbers) Amendment Regulations 2006 No.2897
Student loans for 2025/26 are outlined in the table below. From 2024/25, students can get a special support loan of £2,400, in addition to the student loan for maintenance. The special support loan is for course costs such as study and travel costs.
Students have the option to spread their student loan payments over 12 months. Choose your preferred payment option, over term time or 12 months, when you apply to SAAS each year. You cannot choose to be paid over 12 months if you are on a one-year course or in the final year of your course.
You must usually be under 61 to be eligible for a student loan.
Dependent students may also be eligible for a young students’ bursary (see here) and independent students and students aged 25 or over for an independent students’ bursary (see here). If you meet the rules for the estranged students’ bursary, you may be eligible for this instead (see here).
Maximum student loan 2025/26 (including the £2,400 special support loan)
Household income
Dependent student under 25
Independent student under 25, or student aged 25 or over
Below £24,000
£9,400
£10,400
£24,000 to £33,999
£9,400
£9,900
£34,000 or over
£8,400
£8,400
 
1     The Social Security (National Insurance Numbers) Amendment Regulations 2006 No.2897 »
Care-experienced students’ bursary
Students who have previously been looked after by a local authority may be eligible for a care-experienced students’ bursary.1saas.gov.uk/full-time/support-for-care-experienced-students This is a non-income-assessed grant of £9,000 in 2025/26, and it is paid instead of the student loan/bursary package.
From 2024/25, students can get a special support loan of £2,400, in addition to the care-experienced students’ bursary. The special support loan is for course costs such as study and travel costs. It is repayable (see above).
Students have the option to spread their care-experienced bursary payments over 12 months. Choose your preferred payment option, over term time or 12 months, when you apply to SAAS each year. You cannot choose to be paid over 12 months if you are on a one-year course or in the final year of your course.
 
1     saas.gov.uk/full-time/support-for-care-experienced-students »
Young students’ bursary
You may be eligible for a young students’ bursary if you are under 25 on the first day of the first academic year of your course (for an autumn start course, this is 1 August) and from a family with an income of less than £34,000 a year. The amount of the bursary depends on your and your family’s income. In 2025/26, a maximum of £2,000 is paid if your and your family’s combined income is under £21,000 a year. It is paid on top of the maximum loan for maintenance and the special support loan.
Independent students’ bursary
The independent students’ bursary is paid in addition to the maximum loan for maintenance and the special support loan. Students classed as independent are eligible for £1,000 if their household income is below £21,000 a year.
Estranged students’ bursary
The estranged students’ bursary operates in the same way as the independent students’ bursary – it is an extra £1,000 in addition to the maximum loan for maintenance and the special support loan. It can be paid if you are under 25 at the start of your course and you no longer have contact with your parents. There normally needs to be a permanent breakdown in your relationship with your parents. Parental income is not assessed for this bursary. You must have evidence of estrangement from a professional who knows you.1saas.gov.uk/guides/estranged-students
 
1     saas.gov.uk/guides/estranged-students »
Lone parents’ grant
If you are a lone parent, you can get a lone parents’ grant, worth £1,305 in 2025/26 if you have at least one dependent child. Your unearned income is assessed (although benefit income is disregarded) and the grant is not repayable.
Summer accommodation grant
If you were in local authority care (sometimes referred to as being ‘looked after’ by a local authority), you may get a grant of £1,330 if you rent accommodation, or £665 if you stay with friends or family (2025/26), to help with your accommodation costs during the long vacation.1saas.gov.uk/full-time/support-for-care-experienced-students/care-experienced-accommodation-grant Your income is not assessed and the grant is not repayable. You normally get a one-off payment in advance.
 
1     saas.gov.uk/full-time/support-for-care-experienced-students/care-experienced-accommodation-grant »
Disabled students’ allowance
If you have a disability or learning difficulty, you can claim for extra expenses that arise because you are on the course. Your income is not assessed and the allowance is not repayable. You can also apply for travel costs if you cannot use public transport because of your disability.
Disabled students’ allowance 2025/26
Maximum rates
Non-medical personal help
£20,520 a year
Consumables – eg, printing
£1,725 a year
Equipment, software and accessories
£5,160 per course
Childcare fund
The discretionary childcare fund helps with the cost of registered or formal childcare. It is administered by colleges and universities. They decide who is eligible and how much you can get. However, if you are an eligible lone parent student, you can get a lone parents’ childcare grant from this fund to help with the cost of registered or formal childcare costs. Depending on the costs of childcare, the maximum amount is £1,215 in 2025/26. Your income is not assessed and the grant is not repayable. It is administered by colleges and universities.
Higher education discretionary fund
Colleges and universities administer discretionary funds to help with living costs and decide how much the payments will be. You are expected to apply for a full student loan before asking for help. The funds are for students in financial difficulties. This can include help in the summer vacation for continuing students.
2. Full-time further education
The Scottish Funding Council gives money to colleges to provide support for further education (FE) students. Colleges must follow national guidelines in allocating their funds.
The following allowances are available to students attending college on a full-time course:1Scottish Funding Council, National Policy for FE Student Support Bursaries: 2025-26, June 2025; Scottish Funding Council, Education Maintenance Allowance Guidance 2024-25, September 2024
    •education maintenance allowance;
    •bursary maintenance allowance (including a ‘universal credit student allowance’);
    •care-experienced bursary maintenance allowance;
    •dependants’ allowance;
    •additional support needs for learning allowance;
    •study expenses allowance;
    •travel expenses allowance.
In addition, the following funds are available:2Scottish Funding Council, FE Student Support Discretionary Funding 2025-26, June 2025; Scottish Funding Council, Childcare Funding for College Students 2025-26, August 2025
    •FE discretionary fund;
    •childcare fund, including lone parents’ childcare grant.
 
1     Scottish Funding Council, National Policy for FE Student Support Bursaries: 2025-26, June 2025; Scottish Funding Council, Education Maintenance Allowance Guidance 2024-25, September 2024 »
2     Scottish Funding Council, FE Student Support Discretionary Funding 2025-26, June 2025; Scottish Funding Council, Childcare Funding for College Students 2025-26, August 2025 »
Education maintenance allowance
An education maintenance allowance is a means-tested weekly allowance for 16–19-year-olds, paid fortnightly in arrears during term time but not during breaks. You get an education maintenance allowance of £30 a week if your household income is £24,421 or less (£26,884 if your parents have another child under 16 or under 25 in education).
You can claim from the autumn term if your 16th birthday falls between 1 March 2025 and 30 September 2025. You can claim from the winter term if your 16th birthday falls between 1 October 2025 and 28 February 2026. If you had an allowance previously, you can claim again if you are continuing in further education for up to three years (four years if you are regarded as ‘vulnerable’). If you can get an education maintenance allowance, you cannot get a bursary maintenance allowance as well, unless you live away from your parents’ home (see here).
If you are 18 or 19, you should be assessed for a bursary maintenance allowance, and you are only considered for an education maintenance allowance if this is better for your household overall or you do not qualify for a bursary.
Bursary maintenance allowance
The bursary maintenance allowance is an income-assessed allowance and is discretionary. It is not repayable.
Circumstances
Maximum weekly allowance - parental home
Maximum weekly allowance - elsewhere
Receiving education maintenance allowance
–
£49.91
Receiving universal credit (UC)
£28.00
£28.00
Aged 18 to 24
£99.35
£125.55
Aged 25 or over
£125.55
£125.55
Students entitled to an education maintenance allowance and living away from home, or whose parental home is not within reasonable travelling distance of the college, may be able to get an allowance of £49.91 a week. Other students getting an education maintenance allowance are not eligible for a bursary maintenance allowance.
Students aged 18 to 24 who are self-supporting, or whose parental home is not within reasonable travelling distance of the college, may be able to get a weekly allowance of £125.55. Otherwise, they may be able to get £99.35.
The bursary is different if you have been in local authority care (see here).
A student who gets UC may be eligible for a weekly bursary (‘universal credit student allowance’) of £28. Note that this lower rate means it has a minimal effect on UC, as student income of more than £110 per month reduces UC pound for pound – see here and the example for Paula.
You may be able to get a bursary to pay up to £140.13 a week rent for college accommodation or college-approved lodgings. Instead of the standard maintenance allowance, you get a personal allowance of £36.70 a week. If you get an education maintenance allowance, you can also get your college accommodation rent paid in this way but do not get the extra personal allowance in addition to this.
Care-experienced bursary maintenance allowance
A care-experienced bursary maintenance allowance is an award of bursary maintenance allowance paid to a student who has been in local authority care at some time in their life (looked after). Students who were looked after in informal care arrangements with social work or local authority involvement may also be eligible. It is £225 a week from age 16 onwards. Colleges are advised to make the optimal funding award, particularly for students who are eligible for benefits.
Dependants’ allowance
You can claim an allowance of £67.55 a week for a dependent adult for whom you have care, or financial or legal responsibilities, and whose weekly income is less than £67.55.
Additional support needs for learning allowance (ASNLA)
You may be able to get support towards study and travel expenses if you have extra expenses because of a disability. The amounts are at the discretion of the college. You can get the ASNLA in addition to an education maintenance allowance.
Study expenses allowance
The income-assessed study expenses allowance is for essential items such as textbooks and special clothing. You can get this allowance in addition to an education maintenance allowance.
Travel expenses allowance
You can claim expenses if you have to travel more than two miles (it may be further for some colleges) from your term-time address. You may be able to get travel to college, to a childcare provider, to a mandatory placement and up to eight single journeys between your permanent home and your term-time address. The allowance is income assessed. You can get this allowance in addition to an education maintenance allowance. Students under 22 can now apply for free bus travel instead – see transport.gov.scot/concessionary-travel/young-persons-free-bus-travel-scheme.
Further education discretionary fund
The FE discretionary fund is intended to help students who are in financial difficulties. Your college decides whether you are eligible and, if so, how much you can get.
Childcare fund
This is extra funding which can help you with the costs of registered or formal childcare, if you have children. If you are an eligible lone parent, you can get £1,215 in 2025/26, and the college may top this up to a higher amount if your childcare costs more. If you are a student parent with a partner, you can also receive help with childcare costs and your college decides how much you can get. Your income is not assessed and the grant is not repayable.
3. Part-time students
Higher education courses
Part-time students with annual earnings of £25,000 or less can apply for a part-time fee grant from Student Awards Agency Scotland (SAAS). Your course must be between levels 7 and 10 of the Scottish Credit and Qualifications Framework and be between 30 and 119 credits a year (students doing distance learning of 120 credits may also be eligible).
You can also claim a disabled students’ allowance (see here). There is a discretionary fund for part-time students to which you can apply if you are in hardship.
Further education courses
If you are a further education (FE) student studying part time, you can claim some of the same support as full-time students. You can claim:
    •support from the childcare fund;
    •support from the FE discretionary fund;
    •additional support needs for learning allowance;
    •study expenses allowance;
    •travel expenses allowance.
Your college may be able to waive your fees if you get certain benefits or have a low income. The education maintenance allowance of £30 a week is available to part-time students as well as full-time students.1Scottish Funding Council, Education Maintenance Allowance Guidance 2024-25, September 2024
 
1     Scottish Funding Council, Education Maintenance Allowance Guidance 2024-25, September 2024 »
4. Postgraduates
Student Awards Agency Scotland (SAAS) provides support for postgraduate courses at diploma or masters level. The funding is also available for distance-learning postgraduate courses. Awards from SAAS for 2025/26 for a one year course consist of:1saas.gov.uk/full-time/postgraduate-funding-information
    •a tuition fee loan of up to £7,000;
    •a living-cost loan of up to £4,500 (full-time courses only);
    •a special support loan of £2,400 for course costs such as study and travel costs;
    •disabled students’ allowance.
You can get the same total support for a full-time two-year course, with half paid each year.
Part-time postgraduate students can apply for a tuition fee loan of £7,000 for the full course – ie, £3,500 a year for a two-year course.
All postgraduate students can also apply to the postgraduate discretionary fund and childcare fund.
Research councils also give awards for postgraduate courses (mainly PhDs) and each have their own rules for how grants are awarded. Typically, an award may consist of tuition fees, a maintenance grant or stipend, disabled students’ allowance and a research support grant.
Social work students can apply to the Scottish Social Services Council (SSSC) for a postgraduate bursary made up of an income-assessed grant, supplementary grants, travel costs for placements and tuition fees. If not awarded an SSSC bursary, social work students can apply to SAAS for postgraduate funding.
Professional Graduate Diploma in Education students are eligible for the same support as undergraduates (see here).
Self-funding full- and part-time postgraduates can get a disabled students’ allowance from SAAS.
 
1     saas.gov.uk/full-time/postgraduate-funding-information »
5. Paramedic, nursing and midwifery students
Paramedic, nursing and midwifery students may be able to get their tuition fees paid as well as a bursary and grants for living costs.1saas.gov.uk/full-time/funding-paramedic-nursing-midwifery Application forms are available from Student Awards Agency Scotland (see Appendix 2).
They also have access to a higher education discretionary fund.
 
1     saas.gov.uk/full-time/funding-paramedic-nursing-midwifery »
Bursary
If you are a paramedic, nursing or midwifery diploma or degree student, you can get a non-means-tested paramedic, nursing and midwifery bursary of £10,000. In the first year, an extra £60 initial expenses allowance is paid. For nursing and midwifery students, in the fourth year, the bursary is reduced to 75 per cent. Paramedic students get £10,000 for each of the three years of their course.
Grants for living costs
The following grants are available for your living costs:
    •means-tested dependants’ allowance for a spouse, civil partner, partner, adult you have legal responsibility for who has a low income, or dependent child(ren). The allowance is £3,640 for an adult or first child and £557 for each subsequent child (including a first child if the £3,640 is paid for an adult);
    •single parent’s allowance of £2,303 if you are single, widowed, divorced or separated and bringing up children on your own;
    •childcare allowance of up to £2,466 if you pay for registered or formal childcare;
    •disabled students’ allowance (see here);
    •travel expenses and ‘reasonable accommodation costs’ for placements (in Scotland only).
Amounts are reduced proportionately in the final (shorter) year.
6. Other support for students
Sponsorship and scholarships
Some companies and government departments sponsor students on their courses. Many universities have scholarship pages on their website.
Educational trusts and endowments
Some charitable trusts provide funds, usually small amounts, to students. Student Awards Agency Scotland (SAAS) has a register of education endowments at saas.gov.uk/full-time/register-of-education-endowments, which lists Scottish trusts that may be able to help. Lead Scotland also has a list of trusts that provide educational grants at lead.org.uk/charitable-trusts-providing-educational-grants-for-individuals.
Carnegie Trust can help with tuition fees in certain circumstances if these are not covered by SAAS. Read more at carnegie-trust.org/award-schemes/undergraduate-tuition-fee-grants.