Information reviewed 20 September 2026
This guide covers the practical points students and families should consider before making a study or funding decision.
Key points
- A student loan is debt rather than an award.
- Compare interest, fees, repayment start dates and sponsor or surety requirements.
- Borrow only what is necessary and keep copies of all credit agreements.
Plan your next step
Write down the relevant deadline, documents and decision points, then confirm any programme-specific requirement before acting.
Related Student Funding Guides
Student Funding HubRead the related guide.Bursaries for 2027Read the related guide.Bursaries by FieldRead the related guide.Bursary Application GuideRead the related guide.NSFAS 2027Read the related guide.University Applications 2027Read the related guide.
Independent guidance: funding providers, universities and government programmes can change eligibility, dates and documents. Confirm the final requirements before sending sensitive information or making financial decisions.