This page is for full-time UK resident undergraduate students funded by Student Finance England, who have dependent children.
Student Finance England
If you are a single parent, you will be entitled to a higher maintenance loan of up to a maximum of £10,194.
If you have dependants, you may be eligible for additional grants for dependants, which include:
- Adult Dependants' Grant (ADG)
- Parents' Learning Allowance (PLA)
- Childcare Grant (CCG).
Grants for dependants
Full-time students with adult dependants and/or children may be entitled to additional non-repayable grants.
The following applies to students funded by Student Finance England. Information for students from Scotland, Northern Ireland and Wales is available from the Student Awards Agency for Scotland, the Department for Employment and Learning Northern Ireland, and Student Finance Wales.
From 2019/20, the way grants for dependants are calculated has changed for new and continuing students. The childcare grant application and payment process has also changed.
Adult Dependants' Grant
Parents' Learning Allowance
What is it?
Help for students with an adult dependant (not an adult son/daughter) who is dependent on them financially.
Help for students with dependent children in registered or approved childcare.
Help with course-related costs for students with dependent children.
A student’s spouse or civil partner or a cohabiting partner (if the student is over 25) or an adult dependant of the student whose net income does not exceed £3,796 in the current academic year.
Childcare provider needs to be registered/approved (ie childminders, nurseries, playgroups, holiday play schemes, after school club, language clubs and nannies). For children under the age of 15 (or 17 if registered as having special educational needs).
Must have one or more dependent children.
Childcare grant of 85% of the actual cost up to a maximum of £169.31 per week for 1 dependent child and up to £290.27 for two or more dependent children.
How is it paid?
Three instalments at the start of each term, at the same time as your other funding.
Direct to childcare provider via a third-party system.
Three instalments at the start of each term, at the same time as your other funding.
Will it reduce my benefits?
Childcare Grant (CCG)
From 2019/20, the student applies for a childcare grant. Once assessed they are invited to register with a third-party system and create an account. On a flexible basis (weekly/fortnightly/monthly), the childcare provider will request payment for actual costs incurred via the third-party system. The student then reviews and approves childcare costs to release payment.
How grants are calculated
Students aged 25 or over with a child and living with a partner will be assessed for grants for dependants based on the assessed partner’s gross taxable income. The below table shows how income affects each of the above grants for dependants:
|Parents' Learning Allowance||Adult Dependants' Grant||Childcare Grant (1 child)*||Childcare Grant (2+ children)**|
|Lower income threshold for maximum grant||£14,910||£8,746||£9,727||£11,118|
|Upper income threshold for minimum grant||£18,341.98||£14,579.98||£18,531.11||£26,212.03|
|Grant reduction amount (loss of grant per £1 of income after deduction of lower threshold)||£0.50||£0.50||£1.00||£1.00|
*Weekly maximum amount for one child is £169.31.
**Weekly maximum amount for two or more children is £290.27.
Students aged under 25 with a child living with a partner: the partner is not considered to be a dependant for the purpose of Adult Dependants' Grant and their income will not be used to assess the grants for dependants. Student finance will work out whether the child is mainly financially dependent upon the student or the partner to determine if any award of PLA/CCG can be made.
Single parent with one child. Childcare costs £200 per week for 40 weeks.
- Parents' Learning Allowance: £1,716
- Childcare Grant: 85% of £200 subject to maximum weekly amount of £169.31 x 40 = £6,772.40
Couple, student over 25, partner's income of £14,000, two children with childcare costs of £300 per week for 30 weeks.
- Parents' Learning Allowance: £1,716 (income below lower income threshold)
- Adult Dependants Grant: £380
- £14,000 (income) - £8,746 (lower income threshold) = £5,254
- Reduced by £0.50 per £1 = £2,627
- Entitlement £3,007 - £2,627 = £380 ADG
- Childcare grant: £4,768
- Maximum entitlement 85% of £300 = £255 x 30 = £7,650
- £14,000 (income) - £11,118 (lower income threshold – 2 children) = £2,882
- Reduced by £1 per £1 = £2,882
- Entitlement £7,650 - £2,882 = £4,768 CCG
Students who are continuing students from 2018/19 or earlier may be entitled to a transitional payment if they receive a lower award in 2019/20 for grants for dependants than they would have received using the calculation in 2018/19. This will be paid at the end of the academic year.
Additional funding for healthcare student parents
The Child Dependants' Allowance is an additional non means-tested grant from the NHS of £1,000 for student parents studying the following healthcare courses:
- Nursing (Adult, Children’s, Learning Disabilities and Mental Health)
- Occupational Therapy
- Radiotherapy and Oncology
- Diagnostic Radiography.
For more information, please see the NHS Business Services Authority's Child Dependants Allowance page.
Please note, this additional funding is not available to students doing the Health Professions Foundation programme during the foundation year.
Student Support Fund
As you may find it difficult to supplement your income with earnings from part-time work, you will be a priority for the Student Support Fund. Your whole circumstances will be taken into account and it may be that we are unable to support you further if your finances are relatively secure. We can consider, for example:
- helping you with childcare costs which are not covered by the Childcare Grant/Allowance
- travel costs to and from the University
- any unexpected costs which you might incur relating to your home (eg if your washing machine breaks down).
See information on the Student Support Fund available and how to apply.
Universal Credits (UC) is a benefit that has replaced:
- Income-based Jobseeker's Allowance
- Income-based Employment and Support Allowance
- Income support
- Housing benefit
- Child Tax Credit
- Working Tax Credit.
You may qualify for Universal Credits if you're responsible for a child or qualifying young person. If you are making a new claim for benefits or have a relevant change of circumstance you are likely to have to claim Universal Credits (rather than Income Support/Housing Benefits). Claims are made and maintained online.
Your student funding reduces UC, even if you decide not to take out the Maintenance Loan. During the long summer vacation your entitlement should increase as student funding should not be included during that period.
If you are in receipt of the special support element in your maintenance loan (due to being a lone parent or disabled student), that amount should be disregarded.
If you receive Universal Credits, you may be entitled to help with NHS charges or free school meals.
Claiming UC can be complicated so please contact a Money Adviser for advice before making a claim or to check that your award has been correctly calculated.
If you are already in receipt of Housing Benefits then this may continue once you become a student, however some of your student funding will be taken into account as income.
At some point, either due to a relevant change of circumstance or as part of managed migration, you will need to claim Universal Credits and your Housing Benefit will stop.
Child Tax Credit
If you are already in receipt of Child Tax Credits then this may continue once you become a student and your student funding will not be taken into account. Receipt of the maximum child tax credit will give access to free school meals and exemption from NHS charges.
Lone parents who work 16 hours per week or more may also be entitled to Working Tax Credit.
At some point, either due to a relevant change of circumstance or as part of managed migration, you will need to claim Universal Credits and your Tax Credits will stop.
Managing your claim
Student income is often miscalculated for benefit claims. You may want to contact our Money Advisers for a detailed assessment or to check your award is correct.
If you are in receipt of one of the legacy benefits (Income support/Employment and Support Allowance/Housing Benefits/Tax Credits) and have been advised to claim Universal Credits, please contact a Money Adviser for advice before making the application.
It is vitally important that you keep track of your entitlement. You must tell your Jobcentre Plus office and Revenue and Customs whenever your circumstances change (eg over the summer vacation or if you stop working). If you do not, you may be overpaid and this is a serious offence which could result in reclamation or even prosecution. If you think that you may have been overpaid, you can discuss this with us in complete confidence. We can check your entitlement and talk about the options available to you.
Contact us for a benefit calculation before you start your studies.
If you are a full-time student, you may not have to pay Council Tax. If you and your children live in a house with no other adults then your house will be exempt as long as your children are below the age of 19 and in full-time non-HE education. If you have previously been entitled to Council Tax Reduction (as distinct from an exemption), you will need to arrange for this to be cancelled.
If you share with other adults (aged 18 and over) who are not students, then they will be liable for Council Tax on the property. If you are a lone parent living with your children once they reach 18 or 19, then you may become liable for the Council Tax as the main tenant or owner.
If there is only one adult in addition to the student, they may be entitled to a reduction of 25% on their bill as students are exempt residents. You will need to give your Local Authority (eg Bristol City Council) an exemption certificate which you can download from myUWE.
If the non-student is the spouse/civil partner of an international student, they may also be exempt from Council Tax. This is a complex area, so contact us to check out your liability.
If there is more than one non-student in the household, the full Council Tax will be charged.
Your Council Tax exemption ends on the last day of term of the final year.