Hardship loans and funds

We can offer you help and advice with:

There are also various organisations who may be able to help you fund your studies:

Late Funding Loan (Home UK students only)

Late Funding Loans are available to undergraduate and postgraduate students who are eligible and have applied for funding from Student Finance or the NHS, but have not yet received any payments.

We'll help with a loan towards basic living costs. It will not be sufficient to cover rent or tuition fees. If you have dependent children you will receive a higher payment.

These loans are interest-free. Repayment conditions apply and will be discussed when you apply.

If you originally applied to a different university and haven't yet updated Student Finance then this will delay your payment. Please contact the Funding Team by emailing funding@essex.ac.uk with details, including your Student Finance Customer Reference Number, and we can update your records.

  • Eligibility

    Your first funding instalment

    At the start of your first term at Essex, you'll receive your first instalment of NHS funding or undergraduate Student Finance five to seven days after Registration. This means you may not receive payment until the end of the first teaching week. This is standard and no Late Funding Loans will be issued when this is the only issue affecting payment. You may still be able to apply for an Emergency Loan from SU Advice.

    Postgraduate student loans will not be paid until the end of October. If you have a confirmed postgraduate loan from the SLC then you will be eligible to apply for a Late Funding Loan.

    Eligibility criteria

    In order to apply you should:

    • be fully registered at the University of Essex for the current academic year
    • be classed as a Home (UK) student
    • be eligible and have applied for maintenance support from Student Finance or NHS (you will be required to provide evidence that you have done so)
    • not yet have received any payments from your funding provider
    • be aware of the reason why your funding has been delayed (if you are not aware, we will ask you to contact your funding provider before submitting your application)

  • How to apply

    1. Check you meet the eligibility criteria above.
    2. Print the application form (.pdf).
    3. Complete the form and take it to your Student Services Hub with all of the required evidence.
    4. Hub staff will go through your application form and the repayment terms with you.
    5. If you're happy with the terms, your application will be processed and payment arranged.

    Loans are normally made by a combination of cash and BACS payments. Cash is available the next working day, but is not available at our Loughton Campus. BACS payments will be made as soon as possible.

University of Essex Hardship Fund (Home UK students only)

This fund is available to students in the following groups who are experiencing or expect to experience severe financial difficulties during the academic year:

  • UK undergraduate students who receive maintenance support from Student Finance or the NHS
  • UK postgraduate students who can show they have made reasonable provision towards their tuition fees and living costs
  • Eligibility

    In order to apply you should:

    • be fully registered at the University of Essex for the current academic year
    • be classed as a Home (UK) student
    • have taken all support available to you via Student Finance, Postgraduate Loans from the SLC and/or NHS (undergraduate students)
    • have taken all other funding that you may be entitled to, including welfare benefits and tax credits
    • show that, across the academic year, you have/will have sufficient funds to cover your full tuition fees, plus at least £5,000 towards living costs (postgraduate students)

  • How to apply

    Applications forms will be available here in December 2016. In the meantime, please take a look at our information on budgeting and debt management.

  • After you apply

    Reviewing your application

    Our Funding Team will process your application within four working weeks. Our Hub staff will try to ensure that your application and evidence is complete but this is not always possible. We may need additional evidence and we'll email you if this is the case.

    You will receive an email response letting you know the outcome of your application. If you are successful you will be required to complete some online money-management modules about budgeting and debt before your payment can be made.

    Successful applications

    • Payments are made by BACS into your nominated UK bank account.
    • If you request it we can make payment to a third party.
    • If you have an outstanding debt (other than tuition fee debt) to the University of Essex, your award will be put towards this debt. Any remaining balance will then be made available to you.

    Unsuccessful applications

    If you are unsuccessful then we will give you some information about other sources of funding that you may wish to consider.

    Appealing your application outcome

    If you are unhappy with the outcome of your application you are entitled to request a review. Your request must be made within two weeks of your outcome decision. The review will be conducted by another member of the Funding Team, not involved in your original assessment.

    If, following a review, you believe that there were procedural irregularities in the assessment of your application then you can submit an appeal. The appeal will be considered by a panel of Hardship Fund Committee members.

Vera Carmen Lord Fund

The Vera Carmen Lord Fund provides hardship funds for:

  • students who have resided in or have a connection to the Worthing area
  • students (or whose parents) are nationals of, or were born in Jamaica

Apply by following the application process for the University of Essex Hardship Fund (above) and submit additional evidence of your connection with the relevant area.

This fund was established thanks to a donation from a private individual.

Care leaver and refugee bursaries

Most of our scholarships and bursaries are only available to new students, but the following are open to current students too:

  • Care Leaver Bursary - undergraduate students who were in UK local authority care before starting their course at Essex
  • Refugee Bursary - undergraduate or postgraduate students with UK refugee status, or who are children of UK refugees