Why are tuition fees increasing?
Universities, like many public services, have seen significant cuts to the amount of direct funding provided by the Government. This means many universities have a shortfall in funding from September 2012, and students will have to share the cost of going to university.

How much will universities charge?
Each university will decide what they need to charge in tuition fees for each course to maintain funding levels. Fees will vary in price depending on which university you go to and what course you do.

Why are some universities charging more than others?
Some universities have had more funding cut than others and so may need to charge more.

How much will I end up paying?
You'll pay the same amount back each month as it depends on the salary you earn not the cost of your course. However, the more you borrow, the longer you will be paying off your loan. The length of time you end up paying depends on the amount you borrow. The maximum possible loan combining tuition fees and living costs is £16,675 a year, or approximately £50,000 over a three-year course

When will I pay it back?
You'll only start paying back when you earn over £21,000 a year.

Should I still study my favourite subject?
What you study at university is a personal choice. However, as the amount that comes out of your pocket each month will be the same regardless of the cost of your course, students can pick the course that best suits them rather than going by price. It is best to do as much research as possible into the courses that interest you to make sure your chosen course is right for you.

How do I get a loan?
Students starting university in September 2012 will be able to apply for loans from August 2011. You’ll get your student loan or grant after you register on your course at the start of term. The money will be paid direct into your bank account, except for tuition fee loans which are paid directly to your university or college.

Full-time students
The quickest and easiest way for full-time students to apply will be online via Student Finance England. You will need to register an account, complete the online application form and perhaps send in evidence of your identity, and maybe your household income if you are asked for it.

Part-time students
Part-time students can apply for loans, grants and bursaries by downloading the part-time application form from the ‘Forms and guides’ section on Student Finance England. You will need to complete the paper application form and get your university or college to stamp and sign your form when you start your course and send this to Student Finance England, along with any evidence required.