The Essential Guide to Paying for University

by Dr. Catherine Dawson

ISBN: 9780749456351

This book provides both parents and students with a comprehensive source of information on funding a place in higher education, including bursaries and grants, earning while in full-time education, and other options for raising money to cover fees and living expenses.

It is aimed at anyone who needs to know all the options when planning the funding of a university course. In addition to the obvious costs, what hidden expenses can be identified? What is the real impact of variable fees? And how can extra funds be raised to pay for that hard-won university place?

Practical information includes weekly, monthly and annual budget plans, a university payment calendar, UK university accommodation costs, employment opportunities for gap-year students and student employment options and salary levels.

table of contents (click to expand)

The Essential Guide to Paying for University - Table of Contents

PART 1: HOW MUCH DOES IT COST?

Chapter 1: Paying tuition fees

  1. Understanding the background
  2. Knowing about fee levels
  3. Making payments
  4. Financial help with paying fees
  5. Part-time tuition fees
  6. Tuition fees for EU students
  7. Summary
  8. Further information
  9. Useful organizations
  10. Further reading

Chapter 2: Paying for accommodation

  1. Knowing about costs
  2. Questions to ask when choosing accommodation
  3. Living at home
  4. Paying for food
  5. Paying for utilities
  6. Paying council tax
  7. Summary
  8. Useful organizations

Chapter 3: Paying for books, stationery and course materials

  1. Knowing what to buy
  2. Making the most of library resources
  3. Knowing about costs
  4. Using reading lists
  5. Finding bargains
  6. Summary
  7. Useful organizations
  8. Useful websites

Chapter 4: Paying for sports, leisure and entertainment

  1. Knowing about entertainment costs
  2. Knowing about sports and leisure costs
  3. Knowing about costs for clubs and societies
  4. Knowing about costs off-campus
  5. Paying for a TV licence
  6. Summary
  7. Useful organizations
  8. Useful websites

Chapter 5: Paying for field trips and study abroad

  1. Knowing about the cost of field trips
  2. Knowing about the cost of study abroad
  3. Paying for passports and visas
  4. Buying an international student identity card
  5. Summary
  6. Useful websites
  7. Further reading

Chapter 6: Paying for IT and communications equipment

  1. Using university equipment
  2. Buying your own IT equipment
  3. Paying for internet access
  4. Using mobile phones
  5. Knowing about photocopying and printing costs
  6. IT costs for a full degree course
  7. Summary
  8. Useful websites

Chapter 7: Paying for a full degree course

  1. Weekly budget
  2. Monthly budget
  3. Annual budget
  4. Payment calendar
  5. Summary
  6. Useful website

PART 2: WHAT FUNDS ARE AVAILABLE?

Chapter 8: Government funding (England)

  1. Knowing about the types of funding
  2. Knowing about eligible courses
  3. Applying for government support
  4. Summary
  5. Further information
  6. Useful websites

Chapter 9: Government funding (Wales)

  1. Knowing about the types of funding
  2. Knowing about eligible courses
  3. Applying for government support
  4. Summary
  5. Further information
  6. Useful websites

Chapter 10: Government funding (Scotland)

  1. Knowing about the types of funding
  2. Knowing about eligible courses
  3. Applying for government support
  4. The Graduate Endowment
  5. Summary
  6. Useful organizations

Chapter 11: Government funding (Northern Ireland)

  1. Knowing about the types of funding
  2. Knowing about eligible courses
  3. Applying for government support
  4. Summary
  5. Further information
  6. Useful organizations
  7. Useful websites

Chapter 12: University bursary scheme funding

  1. Knowing about bursaries and scholarships
  2. Knowing about bursary levels
  3. Bursary administration
  4. Bursary take-up rates
  5. Summary
  6. Useful organizations
  7. Useful websites
  8. Further reading

Chapter 13: Funding for students with disabilities

  1. Knowing about the type and amount of funds
  2. Eligibility criteria
  3. Making an application
  4. Obtaining help after enrolment
  5. Summary
  6. Useful organizations
  7. Further information

Chapter 14: Funding for specialist courses

  1. Funding for teacher training
  2. Funding for healthcare courses
  3. Funding for dance and drama courses
  4. Funding for social work courses
  5. Funding for fine and performing arts
  6. Obtaining financial help for study abroad
  7. Summary
  8. Further information
  9. Useful organizations
  10. Useful websites

Chapter 15: Funding for adult students

  1. Government funding for adult students
  2. Adult education bursaries
  3. Adult Education Allowance Scheme
  4. Trade union funding
  5. Receiving tax credits
  6. Receiving benefits
  7. Summary
  8. Further information
  9. Useful organizations
  10. Useful websites

Chapter 16: Taking advantage of government and university funding

  1. Knowing what is available
  2. Knowing when and how to apply
  3. Raising levels of success
  4. Overview of funding in the United Kingdom
  5. Summary

PART 3: HOW CAN I PAY, AS A PARENT?

Chapter 17: Providing financial support for your child

  1. Understanding the parental contribution
  2. Making financial gifts to your child
  3. Loaning money to your child
  4. Ensuring take-up of statutory support
  5. Helping with costs
  6. Tips from parents
  7. Summary
  8. Further information
  9. Useful websites

Chapter 18: Making use of children’s saving plans

  1. When to start investing
  2. Investing in Child Trust Fund accounts
  3. Investing in children’s savings accounts
  4. Investing in children’s bonds
  5. Maximizing your investment
  6. Protecting your investment
  7. Understanding tax issues
  8. Summary
  9. Useful organizations
  10. Useful websites

Chapter 19: Making use of general investment opportunities

  1. When to start investing
  2. Investing in National Savings and Investments
  3. Investing in unit trusts, open-ended investment companies or investment trust savings plans
  4. Investing in individual savings accounts
  5. Maximizing your investment
  6. Protecting your investment
  7. Understanding tax issues
  8. Summary

Chapter 20: Investing in property to pay for university

  1. Buying a second property
  2. Buying a property for your student child
  3. Investing in buy-to-let
  4. Choosing the right property
  5. Maximizing returns
  6. Knowing about tax implications
  7. Avoiding pitfalls
  8. Summary
  9. Further information

Chapter 21: Raising cash from your property

  1. Downsizing
  2. Releasing equity in your home
  3. Remortgaging your home
  4. Understanding tax implications
  5. Avoiding pitfalls
  6. Summary
  7. Useful organizations
  8. Useful websites

PART 4: HOW CAN I PAY, AS A STUDENT?

Chapter 22: Earning during a gap year

  1. Knowing about types of work
  2. Knowing about salary levels
  3. Paying tax
  4. Paying National Insurance
  5. Saving your wages
  6. Summary
  7. Useful websites

Chapter 23: Undertaking part-time and vacation work

  1. Knowing about student employment services
  2. Knowing about types of work
  3. Knowing about salary levels
  4. Knowing about working conditions
  5. Paying income tax
  6. Paying National Insurance
  7. Summary
  8. Further information
  9. Useful websites

Chapter 24: Obtaining sponsorship

  1. Sponsorship for sports
  2. Company sponsorship
  3. Armed Services sponsorship
  4. Summary
  5. Further information
  6. Useful websites

Chapter 25: Obtaining trust or charity funding

  1. Obtaining money from trusts and charities
  2. The Helena Kennedy Foundation
  3. The Leverhulme Trade Charities Trust
  4. The Gilchrist Education Trust
  5. Summary
  6. Further information
  7. Useful organizations
  8. Useful websites

Chapter 26: Becoming a student entrepreneur

  1. Assessing the feasibility
  2. Developing your idea
  3. Deciding how to trade
  4. Sorting out your finances
  5. Understanding tax implications
  6. Building your business
  7. Managing work and study
  8. Summary
  9. Further information
  10. Useful organizations
  11. Useful websites

Chapter 27: Reducing the cost of university

  1. Reducing expenditure on accommodation
  2. Reducing expenditure on utilities
  3. Reducing the cost of IT equipment
  4. Reducing the cost of travel
  5. Reducing the cost of course materials, books and stationery
  6. Reducing your spending on entertainment and social activities
  7. Reducing the cost of sports and leisure
  8. Knowing how to budget
  9. Managing your money
  10. Summary
  11. Further information
  12. Useful websites

Appendix 1 – Case studies

Appendix 2 – Budget planner

Appendix 3 – Graduate employment opportunities and wages

Useful websites

Useful organizations

 

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