19 Finance For Higher Education Other sources of income Parents/ family There is no longer a government expectation that your parents/ carers will contribute towards your tuition fees, though some of course will do so. Access to Learning Fund Once in higher education, if you face financial difficulties that you had not anticipated, it may be possible to apply for additional help from this higher education institution managed fund. Disabled Student's Allowance The Disabled Student's Allowance ( including for learning difficulties such as dyslexia) is available to help pay for extra study costs incurred in attending a higher education course, as a direct result of a disability. Charitable and education trusts A number of charities and large company educational trusts may offer limited help to students, especially those in unusual or challenging circumstances. Banks Most banks offer generous, interest free overdrafts, but remember that loans have to be paid back and banks are tough on repayments. You could also explore a professional and career development loan ( PCDL) for some vocational courses. Employment The vast majority of students work in the vacation to supplement their income, whilst it is estimated that over 60% now earn money during term- time - sometimes to the detriment of their studies. Most universities and colleges have developed Jobshops to generate vacancies and put students and employers in touch with one another. Sponsorship Some organisations give financial assistance to students at university or college, most commonly in the areas of science, engineering, technology, and business studies. Some also offer work placements and/ or guaranteed jobs. Applications are usually made at the same time as, or just after you apply to UCAS, and competition is likely to be severe. Some opportunities arise after enrolment on the course - employers often make links with university or college departments. " Saving is a very fine thing - especially when your parents have done it for you" - Winston Churchill. Further information Financial Support for Higher Education Students outlines the financial arrangements for new students entering higher education. Bridging the Gapprovides a guide to Disabled Students' Allowances for prospective higher education students. Childcare Grant and Other Support for Student Parents in Higher Educationexplains additional grants available for care leavers and students with children. Financial Support for Part- Time Students in Higher Educationgives information and help for part- time students. All the above booklets are free and available from the DCSF/ DIUS, Tel: 0800 731 9133, or on the web at www. direct. gov. uk/ studentfinance Financial Help for Healthcare Studentsexplains the financial support for students on NHS funded courses leading to professional registration. For details of trusts, charitable funds and other sources of finance see the Educational Grants Directory published by the Directory of Social Change, and the Undergraduate Courses and Funding Guide published by Hotcourses. These are available at most public libraries. International Students EU nationals are entitled to apply for a UK student fee loan, and may be eligible to receive further financial support towards living costs. Non- EU students get nothing. Refugees, asylum seekers and other non- UK nationals should seek advice from the British Council for International Education, the DCSF/ DIUS or prospective university/ college international advisers. Warning! At the time of going to press, significant changes to tuition fees and student financial support structures were under discussion. Please check out the very latest situation at www. direct. gov. uk/ studentfinance before proceeding.

20 Money for higher education is likely to be tight and so it is important that you work out an income and expenditure budget prior to starting your higher education course. The new Student Finance Calculator available at www. direct. gov. uk/ studentfinancecalculator will give an estimate of the financial support you could receive from your chosen place of study. Make use of this and all the sources of information and advice on pages 18, 19, 21, 30, 31 and 33 of ' Your Way Forward' to complete this exercise. Budget exercise ANNUAL INCOME£ Student loan ( for tuition fees)_______ Student maintenance loan_______ Higher education maintenance grant_______ Bursary_______ Scholarship_______ Bank loan_______ Access to Learning Fund_______ Parent/ Carer_______ Earnings_______ Sponsorship_______ Benefits_______ Other, e. g. charities/ income from savings_______ Total Income£ ______ ANNUAL EXPENDITURE£ Course fees_______ Rent_______ Gas_______ Electricity_______ Water_______ Mobile and landline phones_______ Computer including charges_______ Food_______ Travel_______ Laundry_______ Books_______ Educational expenses_______ Music/ Films_______ Clothes_______ Toiletries_______ Insurance_______ Health_______ Sports/ leisure_______ Social_______ Christmas/ birthdays_______ TV licence_______ Other ......_______ Total Expenditure£ ______ Total Income£ ______ Total Expenditure£ ______ Surplus/ Deficit ( income minus expenditure)£________ Action required to manage any surplus/ deficit: ....................................................................................................................... " Don't expect anyone else to organise, sort out or manage your life" - 2nd year student, York University.