Frequently asked questions: new starters and returning students

These short videos from Student Finance England will guide you through the SFE application process. The easiest and fastest way to apply to SFE is online.

The Maintenance Loan is paid to you, into your bank account, in three instalments. For September start students this is usually at the start of every term: October, January, March/April (depending on when Easter falls). If you started your course in January or March, your payment dates will vary.

This video explains how you get paid.

If you are a new student, the University will need to confirm your registration with SFE for you to receive your Maintenance Loan. We send this electronically to SFE once you are finally registered on your course. Your Maintenance Loan payment should be in your bank account 3–5 working days from the date DMU confirm your registration.

If you are a current student, your registration will be confirmed automatically.

If you’re not sure when your Maintenance Loan will be paid check your SFE Payment Schedule letter or log-in to your SFE online account.

SFE calculate your Maintenance Loan based on your parents'/partner's household income. You may only be receiving the minimum Maintenance Loan because SFE haven’t checked your household income yet. Your parents/partner need to supply their household income.

If you believe that SFE have assessed your parents’/partner’s income incorrectly. Please book a Money Doctor appointment with us.

If you’ve supported yourself financially for at least 3 years or had no contact with your parents for over a year, you might be able to apply as an independent student. If you would like support with applying for and evidencing independent status, please contact our Transitions Team. 

It’s best to check your online SFE account first.

Once you’ve logged onto your SFE account, you’ll see a ‘My Account’ page.

• Select ‘Your Finance’ – this is where you’ll find the option to see your payments
• Click on ‘Academic Year 2021/22’ under ‘View Your Payments’
• Scroll down to Maintenance Loan
• It will tell you the status of your Maintenance Loan (for example: it may say ‘Blocked’)
• If you need to do anything, it will be listed on ‘Your To-Do List.’

If you’re unable to access your SFE account online or are unsure about what you need to do next, please contact SFE by telephoning: 0300 100 0607.

If you have contacted SFE and there are things you’re unsure of, please book a 30-minute Money Doctor appointment with us.

We can call SFE with you during an appointment. Please book a 30-minute Money Doctor appointment with us, so that we can find out what’s causing the delay and how long it will take to sort the problem out.

If you’re unable to attend an appointment, you can set-up consent-to-share so that we can telephone SFE on your behalf.

To set-up consent-to-share, please telephone SFE: 0300 100 0607 and ask to set-up 'consent-to-share'. SFE will ask you to provide the following information:

• Name of university: De Montfort University
• Address: The Gateway, Leicester LE1 9BH
• Relationship: HEI Adviser
• Password: Welfare.

Once you have set-up consent-to-share, please email sfw@dmu.ac.uk to let us know. When you email us, tell us:

• your DMU student number (P number)
• your SFE Customer Reference Number (CRN is 11 digits)
• what you’d like help with
• confirm that consent-to-share has been set-up.

We will contact you when we have spoken to SFE on your behalf. It may take up to five working days for us to do this.

It’s important that parents do provide household income, as this means that SFE can assess you correctly and provide you with the maximum Maintenance Loan available to you.

If you are estranged from your parents, you may be able to apply to SFE for independent status. Our Transitions Team can offer advice and support on the application process.

If you don’t feel that you qualify for independent status, please book a 15-minute Quick Query appointment, so that we can advise you further.

If you believe that SFE haven’t assessed your gross household income correctly, check with your parents/ partner first. When SFE assess household income, they assess using the previous tax years (i.e. if you’re studying in 2021/22, SFE are assessing household income in the tax year 2019/20).

If you still believe there’s a problem, check if you’re eligible for a Current Year Income assessment.

If you’re not sure about the household income calculation or applying for a Current Year Income assessment, please book a 30-minute Money Doctor appointment with us.

There are a number of reasons why students are unable to get funding from SFE. This is usually due to previous study.

To discuss your options, you will need to book an appointment with us, please email sfw@dmu.ac.uk When you email us, tell us:

• your DMU student number (P number)
• the reason(s) why you are unable to secure funding
• your telephone number so that we can arrange an appointment.

If you are from the EU, Iceland, Lichtenstein, Norway and Switzerland and are studying, or planning to study, in the UK you will have a number of considerations.

If you’re starting a course on or after 1 August 2021, you must have Settled or Pre-settled Status under the EU Settlement Scheme (open new window to: Apply to the EU Settlement Scheme to get student finance. If you have Settled Status, you are likely to receive both the Tuition Fee Loan and the Maintenance Loan. If you have Pre-Settled Status, you will receive the Tuition Fee Loan.

If you’re coming to the UK from 1 January 2021, you may need to apply for a visa to study. However, if you have a family member with Citizens Rights in the UK, you can apply for the EU Settlement Scheme. You must do this within 90 days of arriving in the UK. Under this scheme, if you are granted Pre-Settled Status based on your family member, you will receive the Tuition Fee Loan only. If you starting working, you may be able to access full support (the Tuition Fee Loan and the Maintenance Loan).

Irish citizens do not need to apply for a visa or to the EU Settlement Scheme.

When you apply for the EU Settlement Scheme, you will be given Settled or Pre-Settled Status. You will also need to apply for an EU Share Code. When you apply for this, apply under the heading "Another Reason". EU Share Codes are valid for thirty days.

If you are a new student and have Settled Status, you can:

• Apply online to SFE. You will need your EUSS Status Award letter and your EUSS Share Code.

If you are a new student and have Pre-Settled Status, you can:

• Apply to SFE using a EU21N form; this is a paper application. You will need your EUSS Status Award letter and your EUSS share Code.

If you are a returning student. Apply to SFE in the normal way. You do not need an EU Share Code.

Migrant Worker status is a complex area and we encourage you to get advice and support. Please email sfw@dmu.ac.uk to book an appointment – when you email us, tell us:

• your DMU student number (P number)
• that you’d like to apply for Migrant Worker status
• your telephone number so that we can arrange an appointment

We can go through your finances to ensure you have applied for everything you are entitled to. We can also see if you qualify for any additional financial assistance, including the DMU Support Fund. 

Our web pages have more information on all the financial support we can provide.

Student Finance and Welfare offer 15-minute Quick Query appointments, which can be booked on the day, book an appointment via MyGateway .

Most high street banks offer overdrafts facilities on current accounts, however, they charge for this.

Student bank accounts are different and have an overdraft linked to them, which is usually interest free. This means that you will not pay any interest if you use your arranged overdraft on the account. This can be handy to have for funding delays or any unexpected costs.

Overdraft facilities on accounts usually start at £500 and can increase to £1,500 or more, over the duration of your course.

Save The Student also provides some good advice on choosing the right student bank account for you.

It is often easier to convert a current account you already have, but you can also open a student account with a different bank. You can only open one student account and this is where your student funding should be paid into.

When you apply for a student bank account, the bank will require proof of your identity with a photo, such as a passport or driving licence. They will also need to see proof of address, like a tenancy agreement, or check if they will accept a utility bill. They will require proof that you are a current student. You can download a bank letter from MyDMU. 

Once you graduate you can convert your student account into a Graduate Account. 

There are a lot of recruitment agencies based in the centre of Leicester city. Do a Google search, visit them in person, or try the following links: Student jobs in Leicester (Indeed), Student Job or Jooble.

Unitemps recruitment agency is based within the Students’ Union building on campus and advertises part-time/ full-time work opportunities, both at DMU and within local business settings.

DMU Works is administered by the Careers Service here at DMU – they also advertise job vacancies on MyGateway. 

It is recommended you work no more than 20 hours alongside your studies.

General information is available on the Scholarships and Bursaries that DMU offer.

Student Finance and Welfare administer the DMU Support Fund as well as the F.E. Learner Support Fund. 

The Transitions Team are DMU's designated contacts for offering additional support, advice and information to care leavers, estranged students and student carers. They can also see if you qualify for any additional financial assistance.

Make sure that you have applied for/ are receiving the additional funding for parents from your funding provider, for example, the Parents' Learning Allowance and the Childcare Grant.

The DMU Support Fund includes a Parent Bursary category and can also help with a contribution towards registered childcare costs.

Disabled Student Allowance (DSA) can offer additional funding to eligible students. DSA covers some of the extra costs you may have due to a physical or mental health condition.

The DMU Support Fund can also help with related costs associated with a health condition and help with living costs if you are unable to work some or all of the academic year.

If you are a new student you may be required to pay a rent deposit before you start your studies.

DMU is unable to offer financial support with this deposit, but can make the following suggestions that may help:

• speak to your landlord to see if you can delay the payment until you receive your student funding. Check your student funding Entitlement letter for the payment date. Please note that it takes 3-5 working days for the Maintenance Loan to be paid into your account once we confirm registration, which means that you may not receive your Maintenance Loan on the date stated on your Entitlement letter
• work part-time over the summer. Employability support and guidance is available through DMU Works
• apply for a student bank account and arrange an interest-free overdraft. Please refer to our FAQ "What is an interest-free student bank account?" under the "Additional Funding and Other Sources of Income" section
• ask family/ friends for support.

For continuing students, you can start looking for accommodation in Term 2. Once you have secured accommodation, you will be asked to make a rent deposit. For financial support in paying this deposit, you may want to apply to the DMU Support Fund . Please note that the Support Fund does not offer financial support toward retainers.

A guarantor is someone who agrees to confirm that a tenant has the ability to pay the rent and any damages. They will be held responsible for any rent payments due that are not paid by the tenant.

Without a suitable guarantor some accommodation providers will ask you to pay all of your annual rent in advance.

There are a number of guarantor schemes. Here are a few suggestions:

•  Housing Hand 
•  Rent Guarantor 
•  UK Guarantor 

There may be other guarantor schemes available, have a good search online for other rent guarantor schemes.

If you are assessed by your funding provider as independent due to estrangement from your parents, our Transitions Team provide information about this.

Starting university is exciting, but it is a big change; it's normal to find it difficult to settle, or to feel homesick. Our Transitions Team can support you. You can contact them by telephone: 0116 257 7825/7872 or by email  at transitions@dmu.ac.uk.

The #HealthyDMU team can provide advice on actions that can be taken to support your health and well-being. They also offer a variety of Masterclasses that you can get involved in.

You can also get advice and support through our Wellbeing team, who offer counselling services, self help advice and more.

Difficulties with your accommodation can be very unsettling. Book a Quick Query appointment with us, so that we can discuss your difficulties and advise you further.

Difficulties with your housemates can be unsettling. Here are some helpful tips on housemate problems and how to solve them.

If you’re unable to resolve the difficulties you are experiencing, please book a 15-minute Quick Query appointment with us.

Renting in Leicester can be expensive and sometimes the Maintenance Loan doesn’t cover the full rent. You may wish to consider:

• checking that you are receiving your full entitlement to the Maintenance Loan
• securing part-time work - employability support and guidance is available through DMU Works
• opening a student back account and arranging an interest-free overdraft
• applying to the DMU Support Fund
• asking family/ friends for support
• moving to new accommodation 

If you are considering moving to new accommodation, we would encourage you to discuss the process with us. Please book a 15-minute Quick Query appointment.

You can also book Money Doctor appointments, or appointments with a Welfare Officer for advice.

If you have been made homeless, please telephone 0116 252 7595, select option 3, then option 4. A member of our team will discuss your circumstances and, where possible, will guide you through your options.

Renting in Leicester can be expensive and some students find it difficult to pay their rent.

To help pay your rent, you may wish to consider:

• checking that you are receiving your full entitlement to the Maintenance Loan
• securing part-time work - employability support and guidance is available through DMU Works
• opening a student back account and arranging an interest-free overdraft
• applying to the DMU Support Fund
• asking family/ friends for support
• moving to new accommodation 

If you are considering moving to new accommodation, we would encourage you to discuss the process with us. Please book a 15-minute Quick Query appointment.

You can also book Money Doctor appointments, or appointments with a Welfare Officer for advice.

If you are concerned about how you will pay your rent, please email sfw@dmu.ac.uk When you email us, please include:

• your DMU student number (P number)
• the difficulties you are experiencing
• your telephone number so that we can contact you to book an appointment.

If you are being threatened with eviction please email sfw@dmu.ac.uk  When you email us, please include:

• your DMU student number (P number)
• the difficulties you are experiencing
• your telephone number so that we can contact you to book an appointment.

If you need help urgently, please telephone: 0116 252 7595, select option 3, then option 4. A member of our team will discuss your circumstances and, where possible, will guide you through your options.

Of course! Please book into one of our Money Doctor appointments via MyGateway. These half hour slots enable the advisor to look at your income and expenditure and devise a bespoke budget plan with you.

Budgeting apps are really useful and there are lots to choose from. We would suggest looking on student specific forums such as Unite Students. Money to the Masses has produced this video on some of the different apps available.

You can book into one of our Money Doctor appointments via MyGateway. These half hour slots enable the advisor to look at your income and expenditure and devise a bespoke budget plan with you, as well as recommend various money-saving tips to help you further.

Websites like Save the Student have lots of general tips on managing your budget, as well as how to save money, maximise your income and reduce your expenditure.

Start by reviewing your finances. Can you increase your income? Can you reduce your expenditure?

Ideas to consider that could increase your income:

• Are you receiving your full entitlement to the Maintenance Loan?
• Are there any other loans or benefits you could be entitled to?
• Can you apply to charities or trusts? Turn2Us can provide helpful information
• Could you work part-time? See our FAQ "Where can I find part-time work?", found under "Additional funding and other sources of income" further up this page
• If you are working, check that your National Insurance contributions have been calculated correctly
• Are you getting the best deal at your bank with your student bank account and interest-free facility?
• Can you apply to the DMU Support Fund?

Further ideas to consider that could reduce your expenditure:

• Create a visual record of your spending over an average month and identify any areas you could reduce spending in
• MoneySavingExpert have some great tips on ways to manage your spending
• Book a Money Doctor appointment with us

If you are unsure of how to get started or you have any concerns about your finances, you can book a Quick Query appointment with us, via MyGateway. These are 15 minute diagnostic appointments to help identify specific forms of support that could benefit you.

If you’re considering transferring to a different course, speak to your Student Advice Centre who can give you advice on the process for transferring.

A course transfer may affect your student funding, please book a 15-minute Quick Query appointment with us to discuss this further.

If you’re considering repeating a year of study, speak to your Student Advice Centre. They will be able to advise you about the different repeat options that are available to you.

A repeat year is likely to affect your student funding, as you need to have enough automatic student funding available to you so that you can complete your studies. Automatic funding is based on the length of the course (usually a three-/ four-year degree) plus one year (known as a ‘gift year’). If you do not have enough years of automatic funding entitlement to complete your degree, or have exhausted your entitlement to automatic funding, you will need to consider whether you might be eligible for Compelling Personal Reasons (CPR). This is a request for SFE to consider your individual circumstances to potentially grant extra funding at their discretion. Please read our other FAQ on this page "What do I do if SFE say I’m not eligible for funding this year due to previous study?" for more information.

You can also book a 15-minute Quick Query appointment with us to discuss this further.

This can be due to SFE counting the number of years entitlement you have for your course and you may have used up your ‘gift year’. However, there are exceptions where SFE might award an extra year of funding if you have previously had to interrupt/ repeat a year and if the reasons were due to a personal situation (such as serious ill health, bereavement, family crisis, mental health issues, caring responsibilities). If this is the case, it may be possible for you to apply to SFE for Compelling Personal Reasons (CPR).

We can support you with this process, but if you would like to apply to SFE for CPR yourself, you can. The following guidelines may help you:

• make your application to SFE online as normal
• once you have made your application, send a letter to SFE with supporting evidence, asking for your compelling personal reasons to be considered
• in your letter, you should include the following details: your name, DOB, Customer Reference Number, and course title/ university name; date(s) of your interruption/ suspension/ withdrawal; an outline of the reasons why you are requesting CPR. You will need to include details of what happened, how it affected your studies (i.e. how they led to you needing to repeat a year, or led to you leaving your course), and how you feel now (i.e. you may have received professional support, which means that you feel able to continue your studies).

If you would like us to offer advice regarding your supporting letter and the evidence you have collated, please email: sfw@dmu.ac.uk – when you email us, tell us:

• your DMU student number (P number)
• that you’d like to us to check your documents for CPR
• your telephone number so that we can arrange an appointment.

If you’re considering a Placement Year, speak to your faculty Placement Team who will be able to advise you about the placement options available to you.

Our Careers and Employability Team can also offer guidance on suitable placements.

If you are a 'Home' student, you may be able to receive living cost grants and loans through SFE for your Placement Year. There are different types of student funding available for Home students depending on what kind of placement you will be doing.

If you are considering a Placement Year, please book a 15-minute Quick Query appointment with us.

If you’re considering interrupting your studies study, speak to your Student Advice Centre as they will be able to advise you about the interruption process.

We can provide advice on the implications that interrupting has on your student funding. Please book a 15-minute Quick Query appointment with us.

When you interrupt, we will let SFE know that you are taking a break from your studies. Your interruption date is taken from the last day that you attended university. When we do this, your student funding will stop and any Maintenance Loan that you receive after this date will need to be repaid to SFE.

SFE are likely to recover any overpayment of the Maintenance Loan when you return to study. If the deduction of the overpayment causes you financial hardship, you can apply to SFE to request that they defer the overpayment to the next academic year. You can then apply each academic year if the overpayment will cause you financial hardship.

If you interrupt because of illness, pregnancy or another serious personal reason, you may still be able to get student finance while you’re not studying. In these circumstances, SFE can award the Maintenance Loan up to 60 days after you interrupt your course. If, after the 60 days, you are experiencing financial hardship, SFE may offer further support. This is called Discretionary Payments. Please refer to the question "Student Loans Company have said I've been overpaid. What if I can't afford to repay it?" on this FAQs page for more information.

When you are ready to return to study, you need to contact your faculty to let them know that you intend to return. You will then need to make an application to SFE for the academic year that you intend to return. Please refer to the other FAQ "I need to repeat a year of study, what do I need to do?" for information about the number of years of funding entitlement for a repeat year.

If you’re considering withdrawing from your studies study, speak to your Student Advice Centre as they will be able to advise you about the withdrawal process.

We can provide advice on the implications that withdrawing has on your student funding. Please book a 15-minute Quick Query appointment with us.

When you withdraw from your studies, we will let SFE know that you have chosen to leave your course. Your withdrawal date is taken from the last day that you attended university. When we do this, your student funding will stop and any Maintenance Loan that you receive after this date will need to be repaid to SFE.

If the loss of funding will cause you financial hardship, you can apply to SFE for Discretionary Payments. Please refer to the question "Student Loans Company have said I've been overpaid. What if I can't afford to repay it?" on this FAQs page for more information.

If the loss of funding will cause you financial hardship, you can apply to SFE for Discretionary Payments. We can support you with this, but if you would like to apply to SFE yourself, you can. The following guidelines may help you:

• send a letter to SFE with supporting evidence, asking for Discretionary Payments to be awarded
• include the following in the letter: your name, DOB, Customer Reference Number, course title, university name; date of your withdrawal; outline the reasons why you decided to interrupt/ withdraw; what happened and how it led to you taking a break in your studies/ leaving your course
• why you are unable to support yourself financially (e.g. unable to work due to ill health)
reasons why you need to pay your essential costs and are unable to return to live with your parents/ partner (if applicable)
• evidence how making any repayments now, or being denied discretionary funding, would result in financial hardship (e.g. bank statements; tenancy; outstanding bills; other financial commitments; lack of other financial options; your ability/ inability to work).

If you would like us to offer advice regarding your supporting letter and the evidence you have collated, please email sfw@dmu.ac.uk – when you email us, tell us:

• your DMU student number (P number)
• that you’d like to us to check your documents for Discretionary Payments
• your telephone number so that we can arrange an appointment.

To discuss tuition fee payments and instalment plans, please contact DMU's Income Section: either telephone: 44 (0)116 207 8810 or email income@dmu.ac.uk 

If you get into difficulty paying your fees, please contact the Income Section as soon as possible, as delays can result in you being temporarily excluded from your course. Their contact details are telephone: 44 (0)116 207 8810 or email income@dmu.ac.uk 

We would also recommend booking a 30-minute Money Doctor appointment with us to review your finances and ensure you have everything you are entitled to.