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17 Key ? - Most/ many courses ? - A few courses DEGREES ( Except Art & Design - see below) Apply online to UCAS, between 1 September and 15 January in the academic year prior to entry. N. B. Oxford and Cambridge universities, and degree courses in medicine, veterinary science and dentistry have an earlier closing date of 15 October in the academic year prior to entry. Applicant enquiries 0871 468 0468. ? FOUNDATION DEGREES HIGHER NATIONAL DIPLOMAS ( Except Art & Design) A few foundation degrees and HNDs may require direct application to the college. The UCAS system includes most HE courses in colleges of further education. ? COURSEOTHER SYSTEMS UCASDIRECT APPROACH FURTHER INFORMATION ? DIPLOMAS OF HIGHER EDUCATION A few courses may require direct application. ? ? ART & DESIGN Degrees, foundation degrees and HNDs Apply to UCAS ( see above) except for a very few courses which may require a direct application to the college. Course closing dates will be either 15 January or 24 March. You are advised to apply well before the deadline date. See page 16 for more details. ? ? ACCOUNTANCY Degrees Professional coursesUsually by direct application. ? JOURNALISM Degrees Pre- entry courses Apply to the National Council for the Training of Journalists, The New Granary, Station Road, Newport, Saffron Walden, Essex CB11 3PL Tel: 01799 544014 www. nctj. com Apply as early as possible - at least six weeks prior to entry. Send an s. a. e. ? ? ? MUSICUCAS deals with applications for degree courses at universities and colleges of HE. CUKAS deals with courses at the seven major music conservatoires. See page 16 for details. ? ? ? ? How To Apply For Higher Education

18 Background Finance For Higher Education With the annual cost of higher education likely to be in excess of £ 8,000 for many students, finance continues to be a major issue. So it is essential that you explore the likely costs and level of support, as they apply to you. To do this you will need to check out the latest detailed sources of information including the websites and publications referred to on pages 33 and 19. Key facts . The money needed for higher education falls into two categories - tuition feesand living costs. . The money you may receive falls into at least four categories - loans, grants, bursaries, scholarships, and other, depending on your circumstances ( see ' Other sources of income' on page 19). . As a full- time undergraduate, you will not have to pay any tuition fees up- front, or while you are studying. . You shouldapply online for financial assistance once you have applied for your place, even if you think you will have to pay the full contribution towards fees and other expenditure. If your home address is in England, register online by visiting www. studentfinanceengland. co. uk or make use of the link on your UCAS application. If you don't apply, you will have to pay full fees, and you will not be able to receive a student loan. . Tuition fees will vary between institutions and between courses. Fees can be up to £ 3,290 per year. . You can defer payment of tuition fees by taking out a student fee loan, repayable after you leave higher education and are earning more than £ 15,000 per year. The interest payable is related to inflation, so what you repay will be worth about the same as what you borrowed. . You may be able to get a non- repayable means- tested maintenance grant of up to £ 2,906, depending on personal and family household income. If you qualify for the full grant, and your fee is set at the £ 3,290 maximum, your higher education institution will give you an additional bursary of at least £ 329. . About two thirds of all new full- time students will qualify for non- repayable support. . Further financial support may be available through bursaries and scholarships. The size and eligibility criteria for this funding will vary between universities/ colleges and between courses, so research carefully! . All home students are eligible to take out a student loan for maintenance, repayable only when higher education is finished and earnings exceed £ 15,000 per year. 28% of the loan is means tested. . The government will write off all student loans ( except arrears) left unpaid after 25 years. . Students taking NHS funded degree courses ( for example, degrees in physiotherapy, occupational therapy, nursing, podiatry) will normally have their fees paid by the NHS, and are eligible to apply for a means- tested bursary along with access to a non- means- tested student loan for the balance of their maintenance costs. Medical and dental students also have special arrangements for the final part of their course. . Social work degree students can apply for an annual non- means tested bursary worth at least £ 4,575. . Dance and drama awards may be available for practical courses. . Part- time students, including those enrolled with the OU, will not be able to defer tuition fee payments, but if studying at least 50% of an equivalent full- time course, can apply for means- tested grants to help with fees and course costs. " Managing finances and debt have become a defining feature of the student experience" - Student Money Adviser.