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ServiceQueen Mary, University of London
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Advice and Counselling Service
• Confidential• Free• Personal, emotional, financial, legal or welfare issues • Ground floor, Geography Building, Mile End campus• 020 7882 8717• www.welfare.qmul.ac.uk
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Counselling
• Relationship problems• Transition into Higher Education• Homesickness• Difficult decisions• Identity and sexuality• Depression• Anxiety• Academic stress• Family Problems• Enduring mental health problems and crises
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Counselling
• One to one counselling – usually 4-6 sessions
• Group Therapy• ‘All about me’ series of workshops
e.g. Managing Stress, Assertiveness, Self Esteem,
• Cognitive Behavioural Therapy• Exam and Academic Anxiety
sessions
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Welfare Advice• Student Finance – loans, grants, bursaries• Fee status and fee problems• Planning a budget• Income checks and income maximisation• Applying for Hardship Funds• Dealing with debt• Immigration Law (authorised by UK government to provide immigration advice at QM)• International Student issues• Interruption of study / re-sits: implications for funding and/or immigration status
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Welfare Advice
• Pre-entry advice e.g. funding, immigration • One to one advice sessions• Advocacy and representation service• Formal appeals or tribunals e.g. student finance, council tax, welfare benefits, entry clearance, Tier 4 immigration
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This talk is for…
• Students who live in England and who are UK nationals
• Students who have not done any previous university studies
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• Live in Scotland, Wales or N Ireland• Have limited permission to stay in the UK• Have lived outside the UK• Are an EU / EEA national• Are a family member of an EU / EEA national• Are an international student• Have studied at university before
We have more detailed information for you – some of you might be eligible but you need to check…
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More detailed information…
www.welfare.qmul.ac.uk/money
And our advice guide for undergraduate students available online…
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Student Finance 2014 entry
4 elements:
• Tuition Fee Loan• Maintenance loan• Maintenance Grant/Special Support
Grant• Additional grants for special
circumstances
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Tuition Fee Loan
• £9,000 a year in 2014/15
• Tuition Fee Loan to pay tuition fees
• Not income assessed• Fees paid direct to
University for you by Student Loans Company (SLC)
• Fully repayable
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Maintenance Loan
Maximum Maintenance Loan in London 2014/15:
• Living away from home in London: £7,751
• Living at parent’s home: £4,418
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Maintenance Loan
• 35% of the Maintenance Loan is income assessed where household income is above £42,875
• Maintenance Loan amount will be further reduced if you also have the maintenance grant
• Paid in three equal instalments: September, January and April
• Fully repayable
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Maintenance Grant
• Not repayable • Fully Income assessed:
* full grant where household income is £25,000 or less* no grant where income is above £42,620
• Maximum £3,387 in each year of course
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Maintenance Grant
• Paid in three instalments with maintenance loan
• Reduces your maximum Maintenance Loan by 50p for every £1 of Maintenance Grant
• Some students with children or with disabilities receive Special Support Grant instead: no reduction of Maintenance Loan
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Living Costs SupportHousehold Income
M Grant M Loan Total
>£25,000 £3,387 £6,058 £9,445
£30,000 £2,441 £6,531 £8,972
£40,000 £547 £7,478 £8,025
£50,000 £0 £7,032 £7,032
£60,000 £0 £6,022 £6,022
Over £69,744
£0 £5,038 £5,038
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Supplementary Grants
• Disabled Students Allowances
• Adult Dependants Grant
• Childcare Grant• Parents Learning
Allowance
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QM Bursaries
• National Scholarship Programme (NSP)
• HEI only bursaries• Eligible students will
be entitled to one of these, not both
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QM Bursaries 2014-15
• Non-repayable• Household income up to
£25,000: £1,500 each year
• Household income between £25,001 and £42,600: £1,200 each year
• http://www.arcs.qmul.ac.uk/
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QM/National Scholarship Programme (NSP)
• Jointly funded 50:50 between government and HEIs
• Payable in Year 1 only• 700 NSP awards at QM in 2014-15• Household income less than £25,000• Academic assessment criteria (at QM –
other HEIs will have set their own criteria)
• QM Package : £2,000 cash bursary• http://bit.ly/QT7ZgJ
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Excellence Scholarships
• Science and Engineering - £3,000 for each year of study
• Modern Foreign Languages - £3,000 for 1st 2 years of study
• Economics and Finance - £3000 a year• based on academic performance not
household income• no need to apply separately• additional to QM National Scholarship
Programme/QM Bursary Scheme
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Applying for Student Finance package
• Must apply, even if only taking the Fee Loan
• Apply to Student Finance England• https://www.gov.uk/apply-online-f
or-student-finance• Applications are now open for 2014
entry• Apply by 30 May if possible• Student Finance: 0845 300 5090
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Independent Status
• Independent status means that you will not be assessed on your parental income
• Spouse, civil partner or partner income will be assessed
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Independent Status
• No contact with parents, or no living parents or local authority care, or
• Aged 25 or over on first day of the relevant academic year or married / civil partnership or carer of under 18 yr old, or
• Financially self supporting for a total of any three years before the first academic year of the course
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Loan Repayments•Fee loans/maintenance loans combined into a single loan account with the SLC• Repay 9% of income above £21,000 • If salary falls below £21,000, repayments stop•Deducted from salary usually through PAYE•No charge for early repaymenthttps://www.gov.uk/student-finance/repayments
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Repayment GuideEarnings Annual
RepaymentMonthly Deduction from salary
£21,000 0 0£22,000 £90 £7£30,000 £810 £67£40,000 £1,710 £142£50,000 £2,610 £217
£55,000 £3,510 £292
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Interest Rates
• Interest payable–During study @ RPI + 3%–Once completed study @
RPI–9 months from graduation
£21,000 - £41,000 income gradual rise from @ RPI to @ RPI + 3%–Over £41,000 @ RPI + 3%
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Where will the money come from?
Tuition Fee Loan Maintenance Loan Maintenance Grant/Special Support Grant Additional grants: disability, dependants National Scholarship Programme/QM Bursaries • Part-time and vacation work • University Financial Assistance Fund• Student overdraft• Welfare Benefits• Tax Credits• Charities and Trusts
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Managing your money• Apply in good time for Student
Finance / NHS funding
• Plan a realistic budget and stick to it
• Use discount schemes e.g. NUS, NHS, travel discounts
• Contact a Welfare Adviser in the Advice and Counselling Service before you start your course
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Further information on Student Finance
https://www.gov.uk/student-finance
http://www.thestudentroom.co.uk
SLC downloadable guides:http://bit.ly/TTQp9s
QM Advice and Counselling Service: http://www.welfare.qmul.ac.uk/money/undergraduates/finance/index.html
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Service Information
• Bookable appointments • Telephone appointments (welfare
advice) – useful if difficult to come in person
• Email enquiries via website• www.welfare.qmul.ac.uk• 020 7882 8717• Ground floor, Geography building,
Mile End campus