Managing your money

Problems with your student funding?

Sometimes Student Funding does not come as expected, here our Advice & Money team share their tips for making sure you follow the right steps …


student funding


If you are a home student you have the right to apply for a Maintenance Loan. This is an amount of money that is sent to your bank account to cover your living costs during your time at university such as rent, bills and course material. The quantity you receive depends on your household’s income, where you are studying and where you are from. However, the application process might appear confusing and time-consuming.


These are the steps you need to take:


1. Apply

You need to apply to student finance as soon as possible, depending on where you are from, you will have to apply to a different division.

English students:

Welsh students:

Scottish Students:

Northern Ireland Students:


2. Notification Letter

You should receive a notification letter shortly after applying. If you haven’t received one check your online account as it might have been sent already or your application might still be under assessment.


3. Declaration

Unless you sign and return your declaration, you will NOT receive your funding. You should be able to find a copy at the end of your notification letter on your online account.


4. Enrolment

All students need to enrol and 1st years must also pick up your student ID card before the Student Loans Company will release your funding. This takes 3-5 days, however, bear in mind that delays in your first instalment are common due to the large amount of new applicants who need to be registered into the system.


5. Problems

If you have completed all the above but still haven’t received your funding please contact the Advice and Money Team for assistance in resolving your funding delay.


Delays to funding at the beginning of the year are very common, however a small number may take a while to resolve and you may find yourself in financial hardship. Cardiff University offers students with no other available funding a small repayable Emergency Loan to help with essential living costs until their funding is received.


To enquire about an Emergency Loan, call into the Advice and Money Service at the Student Support Centre. You need to bring an up-to-date bank statements or cashpoint statements and current balances for all your accounts. You will be interviewed by an adviser who will discuss your emergency situation.


Read our other posts from Advice & Money.


Best wishes,

Advice & Money Team


Your Student Life, Supported.

The Student Support Centre has a range of services dedicated to helping students make the most of their time at University, including: Advice & Money, Careers & Employability, Counselling, Health & Wellbeing, Disability & Dyslexia and International Student Support.

The Student Support Centres are located at 50 Park Place, Cathays Campus and  Cardigan House, Heath Park Campus.  

For further details of  services, events, opening times and more find us on the University Intranet.



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