Regulation 105 Minimum level of loan for living costs

England and Wales

(1)

Subject to paragraphs (2) and (7), for a student other than a 2009 F1, 2012 or 2016 cohort student, the “minimum level for the academic year” in regulations 72(5) F2... and 104(d) is—

(a)

F3£3,782, in the case of a student in category A;

(b)

F4£6,847, in the case of a student in category B;

(c)

F5£5,827, in the case of a student in category C;

(d)

F6£4,890, in the case of a student in category D.

(2)

Subject to paragraph (7), for a student other than a 2009 F7, 2012 or 2016 cohort student, where the academic year in question is the final year of a course other than an intensive course, the “minimum level for the academic year” in regulations 72(5) F8... and 104(d) is—

(a)

F9£3,421, in the case of a student in category A;

(b)

F10£6,235, in the case of a student in category B;

(c)

F11£5,066, in the case of a student in category C;

(d)

F12£4,525, in the case of a student in category D.

(3)

Subject to paragraphs (4) and (7), for a 2009 cohort student the “minimum level for the academic year” F13in regulation 74(5) is—

(a)

F14£3,798, in the case of a student in category A;

(b)

F15£6,855, in the case of a student in category B;

(c)

F16£5,831, in the case of a student in category C;

(d)

F17£4,898, in the case of a student in category D.

(4)

Subject to paragraph (7), for a 2009 cohort student where the academic year in question is the final year of a course other than an intensive course, the “minimum level for the academic year” F18in regulation 74(5) is—

(a)

F19£3,447, in the case of a student in category A;

(b)

F20£6,241, in the case of a student in category B;

(c)

F21£5,070, in the case of a student in category C;

(d)

F22£4,534, in the case of a student in category D.

(5)

Subject to paragraphs (6) and (7), for a 2012 cohort student, the “minimum level for the academic year” in regulations 76 and 104(d) is—

(a)

F23£4,013, in the case of a student in category A;

(b)

F24£7,041, in the case of a student in category B;

(c)

F25£5,998, in the case of a student in category C;

(d)

F26£5,050, in the case of a student in category D.

(6)

Subject to paragraph (7), for a 2012 cohort student, where the academic year in question is the final year of a course other than an intensive course, the “minimum level for the academic year” in regulations 76 and 104(d) is—

(a)

F27£3,687, in the case of a student in category A;

(b)

F28£6,413, in the case of a student in category B;

(c)

F29£5,212, in the case of a student in category C;

(d)

F30£4,694, in the case of a student in category D.

F31(6A)

Subject to paragraphs (6B) and (7), for a 2016 cohort student who satisfies all the conditions in regulation 71(1)(g), the “minimum level for the academic year” in regulation 80A is—

(a)

F32£4,013, in the case of a student in category A;

(b)

F33£7,039, in the case of a student in category B;

(c)

F34£5,996, in the case of a student in category C;

(d)

F35£5,048, in the case of a student in category D.

(6B)

Subject to paragraph (7), for a 2016 cohort student who satisfies all the conditions in regulation 71(1)(g), where the academic year in question is the final year of a course other than an intensive course, the “minimum level for the academic year” in regulation 80A is—

(a)

F36£3,687, in the case of a student in category A;

(b)

F37£6,413, in the case of a student in category B;

(c)

F38£5,210, in the case of a student in category C;

(d)

F39£4,693, in the case of a student in category D.

(6C)

Subject to paragraphs (6D) and (7), for a 2016 cohort student who satisfies all the conditions in regulation 71(1)(h), the “minimum level for the academic year” in regulation 80B is—

(a)

F40£4,013, in the case of a student in category A;

(b)

F41£7,039, in the case of a student in category B;

(c)

F42£5,996, in the case of a student in category C;

(d)

F43£5,048, in the case of a student in category D.

(6D)

Subject to paragraph (7), for a 2016 cohort student who satisfies all the conditions in regulation 71(1)(h), where the academic year in question is the final year of a course other than an intensive course, the “minimum level for the academic year” in regulation 80B is—

(a)

F44£3,687, in the case of a student in category A;

(b)

F45£6,413, in the case of a student in category B;

(c)

F46£5,210, in the case of a student in category C;

(d)

F47£4,693, in the case of a student in category D.

(7)

Where different categories apply for different quarters of the academic year, the minimum levels in paragraphs F48(1) to (6D) are the aggregate of the amounts determined under paragraph (8) for each of the quarters in respect of which a loan is payable.

(8)

The amount determined for each quarter is one third of the amount in paragraph (1), (2), (3), (4), (5) F49, (6), (6A), (6B), (6C) or (6D) which corresponds to the rate applicable for the quarter.

(9)

The rate applicable for a quarter is determined in accordance with regulation 83.

(10)

Categories A to D have the meaning given in regulation 90.

Annotations

Textual amendments

F1: Words in reg. 105(1) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(a)(i)
F2: Word in reg. 105(1) omitted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by virtue of The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(a)(ii)
F3: Sum in reg. 105(1)(a) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F4: Sum in reg. 105(1)(b) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F5: Sum in reg. 105(1)(c) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F6: Sum in reg. 105(1)(d) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F7: Words in reg. 105(2) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(b)(i)
F8: Word in reg. 105(2) omitted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by virtue of The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(b)(ii)
F9: Sum in reg. 105(2)(a) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F10: Sum in reg. 105(2)(b) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F11: Sum in reg. 105(2)(c) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F12: Sum in reg. 105(2)(d) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F13: Words in reg. 105(3) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(c)
F14: Sum in reg. 105(3)(a) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F15: Sum in reg. 105(3)(b) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F16: Sum in reg. 105(3)(c) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F17: Sum in reg. 105(3)(d) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F18: Words in reg. 105(4) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(d)
F19: Sum in reg. 105(4)(a) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F20: Sum in reg. 105(4)(b) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F21: Sum in reg. 105(4)(c) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F22: Sum in reg. 105(4)(d) substituted (6.3.2025) by The Education (Student Fees, Awards and Support) (Amendment) Regulations 2025 (S.I. 2025/162), reg. 1(b), Sch. 2 (with reg. 2(2)(c)(4))
F23: Sum in Reg. 105(5)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F24: Sum in Reg. 105(5)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F25: Sum in Reg. 105(5)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F26: Sum in Reg. 105(5)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F27: Sum in Reg. 105(6)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F28: Sum in Reg. 105(6)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F29: Sum in Reg. 105(6)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F30: Sum in Reg. 105(6)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F31: Reg. 105(6A)-(6D) inserted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(e)
F32: Sum in Reg. 105(6A)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F33: Sum in Reg. 105(6A)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F34: Sum in Reg. 105(6A)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F35: Sum in Reg. 105(6A)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F36: Sum in Reg. 105(6B)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F37: Sum in Reg. 105(6B)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F38: Sum in Reg. 105(6B)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F39: Sum in Reg. 105(6B)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F40: Sum in Reg. 105(6C)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F41: Sum in Reg. 105(6C)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F42: Sum in Reg. 105(6C)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F43: Sum in Reg. 105(6C)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F44: Sum in Reg. 105(6D)(a) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F45: Sum in Reg. 105(6D)(b) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F46: Sum in Reg. 105(6D)(c) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F47: Sum in Reg. 105(6D)(d) substituted (with application in accordance with reg. 2(2)(c)(4) of the amending S.I.) by The Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026 (S.I. 2026/130), regs. 1(2), 2(2)(c)(4), Sch.
F48: Words in reg. 105(7) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(f)
F49: Words in reg. 105(8) substituted (with application in accordance with reg. 1(3)(b) of the amending S.I.) by The Education (Student Support) (Amendment) Regulations 2015 (S.I. 2015/1951), regs. 1(3)(a), 43(g)