It is important to note that each country within the UK has a separate website via which students can apply for student finance; you should use the website for the country in which you are a resident, and not for the country in which you will be studying, should these differ. Online applications are advantageous because they are usually easier to complete, edit and track. The website may even pick up on any missing or incorrect information which might otherwise cause a delay to your application or payments.
However, if you apply online you will still have to post identification documents and proof of income to your Local Education Authority, both when you first apply and if your personal circumstances change over the course of your degree. The Student Loans Company (SLC) also requires students to make a separate application for each subsequent year of study. This means that after you have received loan payments for your first year you must re-apply as a 'continuing' student.
Most prospective students in the UK take out a loan with the Student Loans Company. Due to the high level of demand in terms of applications, it is advisable to apply for your loan several months prior to the start of your course, even if you have not yet had your place on the course confirmed. The deadline for applying for a student loan for the forthcoming academic year is usually towards the end of June. Applications can be made after this time but it is likely that your loan payments will be delayed, perhaps for several months. In the case that your course placement is rejected, or you decide against going to university altogether, there is no financial penalty for cancelling your application for a loan.
Students from elsewhere in the EU who wish to study in England, Northern Ireland or Wales can also apply for maintenance and tuition fee loans. These are also available from the Student Loans Company, although applications must be made via a separate team dedicated to EU students. Non-UK EU students who wish to study in Scotland can also apply online or via post, just like UK students.
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