BSc (Hons) Accounting and Finance (Year in Business) · RHULBachelor's degree · 4 years
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Royal Holloway, University of London · Undergraduate

BSc (Hons) Accounting and Finance (Year in Business) Bachelor's degree at Royal Holloway, University of London

BSc (Hons) Accounting and Finance (Year in Business) at RHUL covers core theory, research and methods, applied practice, specialist options, an independent project and professional skills.

BSc (Hons)
Award
4
Years
Full-time
Study mode
90%
in work/study (15m)

About this course

Study the core areas of financial accounting, management accounting and finance and obtain a thorough knowledge of both theory and practice. From the provider’s course page.

BSc (Hons) Accounting and Finance (Year in Business) is a Bachelor's degree (BSc (Hons)) at RHUL, based in Egham Campus. It runs 4 years, studied full-time.

For Business and management graduates from this provider, 90% were in work or further study 15 months after graduating, 60% in highly skilled roles, typical earnings around £30,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)

For the typical curriculum, specialisations, career paths and graduate earnings for Accounting & Finance, see the sections below.

Course evidence score

The arithmetic mean of the official measures available for this course: NSS satisfaction, graduate activity and continuation.

8.8
/ 10
Excellent
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Excellent89

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Graduate outcomes
In work or further study 15 months after graduating
Exceptional90

Moderate evidence Published sample: 80; avoid reading small differences as meaningful. Cohort 2021-23. Graduate Outcomes work or further study 90% (2021-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Excellent85

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2022-23. Continuation 85% (2022-23; Discover Uni snapshot 2026-06-21)

Curriculum & modules

Real modules published for this course, grouped only where the source gives a year, stage or level.

Year 1 7 modules
  • Professional SkillsCore
    Module details

    In this module, you will develop an understanding of the external and internal environments of organisations and their relevance to help you develop self-awareness and knowledge and skills required to succeed at university, at work and in life generally. You will look at a range of academic and professional literatures, examine the skills and abilities relevant to applying for or working as a professional, and consider how to communicate with academic and business audiences in a clear and effect

  • Quantitative Skills for Accounting and FinanceCore
    Module details

    In this module you will develop an understanding of basic mathematical methods for accounting and finance. You will look at formulae, ratios, forecasting, estimation and probability techniques, including those for modelling risk and uncertainty. You will learn to calculate, explain and use descriptive statistics and tests of statistical significance, and examine how to summarise and analyse data, including consideration of collection and sampling techniques.

  • Foundations for Enterprise InternationalisationCore
    Module details

    On this module you'll learn about the management of international enterprises and which cross-border challenges that need to be taken into account when firms consider internationalising. The module also covers the impact of different formal economic, political and legal institutions, as well as more informal institutions, such as culture, religion and language that must all be considered by an internationalising enterprise. The module also identifies the implications concerning business ethics a

  • Introduction to Financial Accounting and ReportingCore
    Module details

    This module will introduce you to the main current technical language of accounting, double entry, and to financial accounting concepts and theories. It introduces basic contexts, regulatory and ethical frameworks of accounting and the role of accounting and accountants in organisations and society. You will consider the processes by which financial transactions and events are collected, recorded and summarised leading to the formation of the financial statements. You will prepare basic financia

  • Introduction to Management AccountingCore
    Module details

    This module will provide you with an introduction to the basic techniques and processes of management accounting. You will look at the current technical languages and practices relating to the provision and use of management accounting information in organisations. You will learn now contribution-based approaches are used in cost-volume-profit analysis and the allocation of scarce resources, and how marginal and full costing information, including activity-based costing, is used to determine pro

  • Fundamentals of Business EconomicsCore
    Module details

    In this module you'll be introduced to the basis of micro economics: supply, demand and costs. You will explore the types of market structures across the world, focusing on stakeholder impact. Scenarios and cases will be used in lectures and workshops to develop knowledge of core concepts and to relate these and models to real world organisational challenges. Limited macro factors and concepts which form the context of organisational operations will also be examined.

  • Foundations for Sustainable BusinessCore
    Module details

    On this module you'll explore the foundations of responsible business and will prepare for a business world where the agenda is no longer 'business as usual'. Using case studies, practical examples and new theories on responsible business you'll explore some of the 17 United Nation's Sustainable Development Goals such as climate action, reduced inequalities, responsible consumption and production and their relevance to business.

Year 2 7 modules
  • Financial ReportingCore
    Module details

    In this module you will develop an understanding of the theory and practice of financial reporting. You will look at the regulatory and ethical background to the composition of financial reporting documents and learn to prepare single-company financial statements, and extracts from statements, in accordance with the international financial reporting standards (IFRS). You will consider specific accounting issues such as handling of intangibles, and will critically examine and interpret financial

  • Management AccountingCore
    Module details

    In this module you will develop an understanding of the use of management information systems, in particular those used for performance measurement, performance management, and decision making. You will look at how management accounting information is used to support short and long term decision making by organisations to gain a competitive advantage. You will consider traditional and alternative budgetary practices, including preparation of functional budgets, master budgets, and forecasts, and

  • Introduction to FinanceCore
    Module details

    This module introduces the contexts, nature and purpose of investing and financing decisions and to introduce both theory and techniques for appraising financing and investing decisions. A range of sources of long term finance appropriate to the business will be explained and discussed including a consideration of the role of the capital markets in facilitating access to funding. You will estimate the weighted average cost of capital, and explain its implications for financing and investment dec

  • Corporate FinanceCore
    Module details

    In this module you will develop an understanding of the theories and empirical evidence concerning financial management, risk, and the operation of capital markets. You will look at strategic decisions such as gearing and dividend policy within specified institutional contexts, and consider more practical aspects of business finance, including the preparation of forecast financial statements and their use in business planning and valuation. You will also examine aspects of business restructuring

  • Strategic ManagementCore
    Module details

    In this module, you will gain a good understanding of the main theories of strategic management and how to apply them in the context of contemporary business environment. You will be introduced to key concepts and debates about corporate and business strategy. The changing context in which the corporate strategy is formulated and implemented will be examined. The module also demonstrates how theoretical debates can be related to corporate strategies via the analysis of case studies covering a va

  • Managerial EconomicsCore
    Module details

    In this module you will develop an understanding of the tools and techniques of economic analysis to solve common managerial problems. You will look at economic intuition and its relevance to business problems, and the application of economic principles to strategic situations. You will consider the constraints faced by business decision makers, the economic consequences of their decisions, and the influence of the macro environment. You will also examine the benefits and drawbacks of free trade

  • Business Information Systems for Accounting and FinanceCore
    Module details

    This module aims to provide students with a critical understanding of the importance of information systems and technologies to the practice of accounting and finance. The module will equip students with some of the key information systems terms and concepts, as well as providing business examples, of how information systems and technologies are being used, and have influenced, the accounting and finance functions. Accounting information systems, including roles, functionality and tasks, and how

Year 3 1 modules
  • Year in BusinessCore
    Module details

    This module introduces the opportunity for you to gain a significant period of work experience as part of their degree programme, enabling them to experience of a range of practical work-based situations and apply you knowledge and understanding of management theory to them, whilst also improving you employability.

Year 4 4 modules
  • Advanced Financial ReportingCore
    Module details

    In this module you will develop an understanding of the advanced theory and practice of financial reporting, in the context of governance and corporate social responsibility. You will look at theories that have been developed to assist in the improvement and regulation of corporate financial reporting. You will consider the economic concepts of income and value and their application to financial reporting, and how group financial statements are prepared in accordance with international financial

  • Investment ManagementCore
    Module details

    In this module you will develop an understanding of management in theory and practice. You will look at the ethical and international contexts in which investment management takes place. You will examine topics such as efficient markets, the capital asset pricing model, arbitrage pricing theory, and models of systematic risk, considering empirical evidence and current practices. You will evaluate optimal portfolio choices, learning to devise an appropriate portfolio strategy which takes into acc

  • Business and Professional EthicsCore
    Module details

    In this module you will develop an understanding of approaches to ethical decision making in accounting and finance. You will critically evaluate decision models for accounting ethics, assessing contemporary issues faced by accountants and finance professionals, including the influence of stakeholders, accounting standards, and moral philosophy. You will also examine the role of auditing practices in society, looking at look at real world examples, including major accounting and finance scandals

  • Contemporary Issues in AccountingCore
    Module details

    In this module you will learn advanced analytical skills to complete the critical scrutiny of contemporary issues, critically evaluating arguments and evidence concerning unstructured problems, and to research a topic in depth. The topics you'll explore include those related to the cutting-edge research senior members of the academic staff of the department conduct, including contemporary research topics on sustainability issues and more. External speakers from the accounting profession will be

Source: provider course page. Modules can change; required/optional status, credits, descriptions and assessment are shown only when explicitly published.

Course in depth

What this course covers, who it suits and where it leads.

What you'll study

This course offers a thorough grounding in financial accounting, management accounting and finance, combining theory and practice in equal measure. You'll usually begin with foundations in financial accounting, introductory finance and quantitative methods for business decisions. In your second year, you'll progress to management accounting, corporate finance and financial reporting under IFRS standards. From year three onwards, a course like this typically moves into specialist options such as audit and assurance, taxation, corporate finance, financial risk, and fintech, alongside advanced corporate reporting. You'll conclude with a dissertation or applied project, often designed to support exemptions from professional accounting examinations. The integrated year in business provides practical workplace experience alongside your academic study.

Who it's for

This course suits students with A-level qualifications or equivalent. Most accepted students held A-levels or equivalent, with typical UCAS tariffs in the 128–143 points band. You'll need fluency in English for full-time study. The course is designed for those pursuing careers in accounting, finance or related professional fields where formal qualifications and practical experience matter.

Careers & job market

Across Accounting and Finance courses nationally, 87% of graduates are in work or further study within 15 months of graduating, and 65% of working graduates are in highly skilled work or further study. Graduate earnings at the national level start at £25,000–£32,500 (15 months after graduation), rising to £30,175–£42,600 after five years. Earnings and labour-market figures are based on national data; outcomes vary by individual and employer. The professional accreditations held by this course support progression towards chartered accountancy and related qualifications.

University & format

This BSc (Hons) is studied full-time over 4 years at Royal Holloway, University of London, a higher education college based at its Egham Campus. Teaching is in English. The course is accredited by AACSB, the ACCA (for exemptions from some professional examinations) and CIPFA (for exemptions from some professional examinations). Royal Holloway is a recognised UK degree-awarding body; its degrees carry national recognition and the institution received a Silver rating for teaching quality in the Office for Students' TEF 2023.

Student satisfaction

How students on this course answered the National Student Survey, by theme.

The teaching on my course
88%
Learning opportunities
86%
Assessment and feedback
88%
Academic Support
100%
Organisation and management
88%
Learning resources
94%
Student voice
79%

Share of students responding positively.

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Applicant information

The next application dates for this course, followed by facts the provider publishes.

Application timelineWhat happens next
  1. 2027 entryCompleted applications can be submitted

    Your application needs a reference before you can send it.

  2. 2026 entryFinal date for 2026 applications

    Applications must reach UCAS by 18:00 UK time.

  3. 2026 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

  4. 2027 entryEqual-consideration deadline

    18:00 UK time for most undergraduate courses.

Show 5 later dates
  1. 2027 entryUCAS Extra opens

    Applicants who used all five choices and hold no offer may be able to add another choice.

  2. 2027 entryLast day applications go directly to providers

    Applications received after 18:00 UK time are entered into Clearing.

  3. 2027 entryClearing opens

    Eligible applicants can see vacancies and release themselves into Clearing.

  4. 2027 entryFinal date for 2027 applications

    Applications must reach UCAS by 18:00 UK time.

  5. 2027 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

AccreditationACCA, CIMA, ICAEW

Names detected beside accreditation or recognition copy on the provider course page; verify the route and intake.

PlacementPublished placement option

Placement year. Availability, selection and pay can vary.

Entry & how to get in

Most entrants held A-levels or equivalent100% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 128 - 143 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Professionally accreditedAccredited by the Association to Advance Collegiate Schools of Business (AACSB)
Professionally accreditedAccredited by the Association of Chartered Certified Accountants (ACCA) for the purpose of exemptions from some professional examinations
Professionally accreditedAccredited by the Chartered Institute of Public Finance and Accountancy (CIPFA) for the purpose of exemption from some professional examinations
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check RHUL's official course page for the current offer.

Who gets in

What recently admitted students actually held, official admissions data, not a stated requirement.

UCAS tariff of entrants

Grades are the A-level equivalent of each points band. Tap a band to check your own chances below.

Qualifications held on entry

QualificationShare
A-levels or equivalent100%

Entry & your chances

An honest read from the official entry data, plus your personal match.

Offer-based entry

Entry is set by the university and based on your offer. Use your predicted grades to see how you compare, then check the university's stated requirements.

Will you get in? Plot your grades

Pick your predicted A-levels and watch your UCAS points land on the real spread of students admitted to this course.

Each bar is the share of admitted students in that UCAS-points band (lower → higher). Grades show the A-level equivalent.

Add your grades to see where you land

Your points will drop onto the distribution above, with an honest above / within / below read.

Based on the official admitted-student tariff distribution. Many universities make contextual (reduced-grade) offers, so a result below the range doesn’t rule you out.

How to apply

Undergraduate applications go through UCAS. Here’s what matters for this course, the right deadline, the grades to aim for, and the steps in order.

Apply by13 January 2027, 18:00 UK timefor this course
Typical gradesAABA-level equivalent admitted students held
UCAS codeNN43quote this on your application
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course (code NN43). One application covers up to five choices.

  2. 2
    Write your personal statement

    A single statement covers all your choices, so keep it broad enough for similar courses while showing genuine interest in this subject.

  3. 3
    Submit by 13 January 2027, 18:00 UK time

    UCAS equal-consideration deadline for most undergraduate courses. Source: UCAS 2027 dates.

  4. 4
    Reply to your offers

    When decisions are in, pick a firm (first) choice and an insurance (back-up) choice with slightly lower grades.

  5. 5
    Results day & confirmation

    On results day (mid-August) your place is confirmed if you meet the offer. Just missed? Talk to the university, or find a place through Clearing.

💡 Many universities make a contextual (reduced-grade) offer, for example based on your school’s results, time in care, or where you live. Ask RHUL whether you’re eligible before you apply; it can lower the grades you need.

Fees & funding

What this course costs and how UK student finance covers it.

Tuition per year

Homeup to £9,790 / yr
International£23,700 / yr

Provider fee page (England 2026/27 cap where not stated).

Check fees at RHUL →

For students who normally live in England

illustrative Maintenance Loan per year
£9,790tuition used per year, illustrative full-time England fee-cap scenario
illustrative borrowing over 4 years

2026/27 Student Finance England figures. Maintenance support is means-tested and this two-point view is not an entitlement calculator. The course total uses its published length and home fee where both are available; a missing full-time fee uses the clearly labelled England-cap scenario, while part-time fees and unknown lengths are never guessed. Use the official calculator. Scotland, Wales and Northern Ireland use separate systems: SAAS, Student Finance Wales, and Student Finance NI.

Starting on or after 1 January 2027?

The Lifelong Learning Entitlement is a separate system. A new learner’s tuition entitlement is currently stated as £39,160 (about 480 credits at 2026/27 fee levels), subject to prior study and eligibility. Check the official LLE guide.

Paying for it

  • Tuition Fee Loan: can cover eligible tuition up to the applicable limit and is paid straight to the provider.
  • Maintenance Loan: up to £10,830/yr away from home outside London (England, 2026/27), means-tested on household income.
  • Repayment: 9% of income above £25,000, nothing below it; written off after 40 years.
  • Earn alongside: most students work part-time in term, part-time roles on the StudySmarter job board.

England figures shown; Scotland, Wales & NI run their own schemes, check gov.uk.

Funding matched to this course

Scholarships & bursaries you could qualify for

All RHUL funding →
No verified named award is shown for this provider yet.

That does not mean no funding exists. Check the university directory for current amounts, eligibility and application dates.

We only display a named award when its provider source identifies the award and who it is for.

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Career quizApplication walkthroughSalary & CV check

Careers & earnings

What Accounting & Finance graduates actually earn, from real outcome data, 15 months, 3 years and 5 years after graduating.

Graduate earnings: this course

WhenMedianTypical rangeGraduates
15 months after£30,000£26,000 – £35,00080
3 years after£26,500£22,500 – £35,000155
5 years after£34,000£26,500 – £45,000160

Nominal earnings for graduates of this course/subject at this provider. Moderate evidence. Published sample: 80; avoid reading small differences as meaningful. Cohort 2021-23.

Graduate outcomes, 15 months on: this course

90%
in work or further study 15 months on
60%
in highly skilled work or study
85%
continue past their first year
90%
find their work meaningful
80%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in accounting & finance · 2–5 yrs
  3. 3Senior / LeadLeading work and people · 5–10 yrs
  4. 4Head of / ExpertSenior leadership or deep expertise · 10+ yrs

How pay grows: this course vs Accounting & Finance nationally

Starting (15 months) HESA GO
£30,000
£25,000 – £32,500
After 3 years LEO
£26,500
£23,375 – £33,000
After 5 years LEO
£34,000
£30,175 – £42,600
national rangethis course’s medianaxis £22,000 – £44,000

National figures for Accounting & Finance graduates, HESA Graduate Outcomes (15 months) and the Longitudinal Education Outcomes (LEO) dataset (3 & 5 years). These are national, not university-specific; actual pay varies by employer, region, role and experience. Different cohorts, so the bars are not one group over time.

Work out your pay

Headline figures hide a lot. Calculate realistic take-home pay for this field by role, region and experience, then check your CV before you apply.

What happened to 100 students?

Choose an outcome to translate the published percentage into a simple 100-person view. Each dot represents one percentage point, not an individual tracked student.

90 of 100

were in work or further study

15 months after graduation

65% working20% working and studying0% in further study60% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2021-23. Moderate evidence. Published sample: 80; avoid reading small differences as meaningful. Cohort 2021-23. Each tab is a separate published measure; categories can overlap and should not be added together.

Value compared with similar courses

How this course’s 5-year median earnings compare with Accounting & Finance courses at the same study level.

This course £34,000Peer median £35,500Middle 50% £30,000–£42,500
47th percentile

Compared with 957 courses with compatible official earnings data. This is a course-value comparison, not a quality ranking.

UK occupations graduates enter

Published graduate destinations, joined conservatively to UK SOC 2020, ONS pay and Skills England demand.

  • Finance ProfessionalsSOC 2020 242 · 45% of published destinations · ASHE median £47,173
  • Administrative occupationsSOC 2020 41 · 20% of published destinations · ASHE median £27,006
  • Business and public service associate professionalsSOC 2020 35 · 10% of published destinations · ASHE median £38,760

Discover Uni JOBLIST/JOBTYPE; ONS ASHE 2025 provisional, all employee jobs; Skills England Occupations in Demand 2025. SOC is shown only for an exact normalised label match; demand is shown only at exact four-digit SOC. Published sample: 50; response rate: 55%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Job market & outlook

How Accounting & Finance graduates fare in the labour market, and how AI is reshaping the work.

87%
in work or further study 15 months after graduating, across Accounting & Finance courses nationally.
Graduate Outcomes
65%
of working graduates are in highly skilled work or further study.
highly skilled
85%
of students continue past their first year (still enrolled or completed).
continuation

How AI is changing the work

AI doesn't replace the profession, it shifts it: routine tasks get automated, while judgement, working with people and using AI well become more valuable.

What AI takes off your plate

  • Routine information gathering
  • First-draft writing and summaries
  • Standard analysis and admin
  • Repetitive processing tasks

More human than ever

  • Judgement and original thinking
  • Working with and leading people
  • Owning and sense-checking AI output
  • Ethics and accountability

The strongest graduates pair subject depth with the ability to use AI tools critically.

Roles & employers

Where Accounting & Finance graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • The Big Four (Deloitte, PwC, EY, KPMG)
  • Banks & insurers
  • Corporate finance teams
  • HMRC & public sector

Is this course right for you?

The essentials UK applicants ask about: finance, outcomes, entry and quality.

💷

Student finance

For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years.

📈

Where graduates go

90% were in work or further study 15 months after graduating, with a median salary of £30,000. See the full breakdown in Careers & earnings above.

🎯

Your entry chances

Use the UCAS points calculator above to see how your predicted grades compare with admitted students, and whether a contextual offer could apply.

Official-data snapshot

Averaging the official measures published for it, this course scores 8.8 out of 10: NSS 89% · in work or study 90% · continued 85%.

Who studies here and in this subject?

Provider- and UK subject-level context.

Royal Holloway and Bedford New College

All students13,115
International16.7%
Aged 25+11.4%

Business and management across the UK

Students586,710
Aged 25+44.3%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around Egham Campus

437 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 131Shoplifting 80Anti Social Behaviour 59Other Theft 40Public Order 34

Police.uk street-level API. Approximate locations, not confined to campus. England, Wales and Northern Ireland; not Scotland.

Is Accounting & Finance right for you?

Tick what applies to you and see how good a fit it is.

International students

What applying to RHUL from outside the UK involves: fees, English, visa, funding and living costs.

Tuition fees

International tuition is £23,700 / year for this course (from the provider’s fee page). You’re not eligible for UK Tuition Fee or Maintenance Loans, so plan for fees plus living costs upfront.

English language

Most UK undergraduate courses ask for around IELTS 6.0–6.5 (no band below 5.5–6.0), or an accepted equivalent. If you’re just short, most universities run a pre-sessional English course that counts towards the requirement.

Student visa

You’ll usually need a Student visa (Student Route). After you accept an offer the university issues a CAS; you then show funds for fees plus about £1,023–£1,334/month living costs and pay the Immigration Health Surcharge for NHS access.

Scholarships & funding

Many universities offer international/global scholarships (often £2,000–£6,000/yr), check RHUL’s funding pages.

Living costs

Budget roughly £1,100–£1,400/month outside London and £1,400–£1,800/month in London for rent, food and travel; the figure also matters for your visa.

Working while you study

A Student visa usually allows up to 20 hours/week in term time and full-time in holidays, useful alongside study, though not something to rely on for fees.

Visa rules and fees change. Always confirm the current requirements with RHUL and gov.uk before you apply.

Common questions

Entry is offer-based and set by the university. The most common tariff band among recent entrants was 128 - 143 UCAS points. Use the calculator on this page to see where your predicted grades would put you; many universities also make lower contextual offers.
Set by RHUL. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For Business and management graduates from this provider, 90% were in work or further study 15 months after graduating, 60% in highly skilled roles, typical earnings around £30,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)
For comparison, the standard full-time England tuition cap is up to £9,790 per year in 2026/27; the actual fee varies by course and provider. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years. See Fees & funding on this page to work out your numbers.
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