Part 3: Treatment of incomeChapter 12: How income affects universal credit1. Working out your income2. Grants and loansIf you get a student loan for maintenanceIf you do not get a student loan for maintenance3. Dividing income throughout the year4. Earnings5. Benefits6. Maintenance7. Savings and other capitalChapter 13: How income affects means-tested benefits1. Working out your income2. Grants and loansGrantsUndergraduate grantsParamedic, nursing and midwifery students' grantsPostgraduate grantsGrants in further educationStudent loans for maintenance3. Dividing student income throughout the yearStudent loans for maintenanceCourses 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 payments5. Earnings6. Benefits7. Maintenance8. Savings and other capitalChapter 14: 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 payments4. Earnings5. Benefits6. Maintenance7. Savings and other capital