BA (Hons) Creative Writing and History · University of ChichesterBachelor's degree · 3 years
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University of Chichester · Undergraduate

BA (Hons) Creative Writing and History Bachelor's degree at the University of Chichester

BA (Hons) Creative Writing and History at University of Chichester combines creative writing with historical study, drawing on the university's teaching excellence, recognised with a Gold award in the Office for Students' TEF 2023.

BA (Hons)
Award
3
Years
Full-time
Study mode
90%
in work/study (15m)

About this course

Our degree in creative writing and history grows your ability as a writer as you develop historical analysis, critical debate, and research skills. From the provider’s course page.

BA (Hons) Creative Writing and History is a Bachelor's degree (BA (Hons)) at the University of Chichester, based in Bishop Otter Campus. It runs 3 years, studied full-time.

For History graduates from this provider, 90% were in work or further study 15 months after graduating, 45% in highly skilled roles, typical earnings around £28,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)

For the typical curriculum, specialisations, career paths and graduate earnings for English & Literature, 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
Exceptional94

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

Limited evidence Published sample: 10; treat comparisons cautiously. Cohort 2021-23. Graduate Outcomes work or further study 90% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Excellent80

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2022-23. Continuation 80% (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 One 6 modules
  • The Writer's Notebook: Source and Reflection
    Module details

    This module introduces you to the fundamental skills of creative writing through engagement with the writer's notebook and a variety of sources, from both personal experience and in the locality. The module will focus on the training of the eye and ear in keen observation, the collection of detail and the recording of the full experience through the employment of the senses. You will learn the value of the 'concrete' as opposed to the 'abstract' and generalised, and discover how the ordinary can

  • Making History
    Module details

    This module introduces you to the ways in which historians have approached the study of the past, and to find out which approaches and themes might interest an individual student studying History at university today. The module will aim to introduce you to a succession of diverse perspectives and priorities which show how our picture of the past has developed, including political, religious, social and cultural history, and moving into a discussion of gender history, global histories and decolon

  • War and Peace: Twentieth Century Europe and Global Conflict
    Module details

    This module provides you with an overview of European political, cultural, and military history during the 20th century through the study of its major conflicts and global forces. The central focus of the module is the international history of the major Great Powers between 1914 and 2000. You will examine of some of the common debates that often surround the origins of the First World War; the Second World War; the Cold War and debates on the 'New World Order'.

  • Creative Non-Fiction: Starting From The Self
    Module details

    This module introduces you to the versatile genre of creative non-fiction, in which writers employ skills transported from fiction to lend dramatic complexity to factual narratives. Using autobiographical material as a base, you will generate dramatic scenes on a variety of topics and themes.

  • Introduction to Writing Short Fiction
    Module details

    On this module you will build upon techniques for concrete imagery; writerly research; notebook gatherings; reflections on developing creative work. Students will encounter a variety of forms and voices in a range of examples from traditional and contemporary sources in both British and international short fiction. The focus, however, will be on writing itself, finding and recognising source material and imaginative territories, and experimenting with voices, characters, dramatic structures, ima

  • The United States: An Introduction (1763 – The Present)
    Module details

    This module analyses the distinctive origins of American political thought and constitutional practice, the structures and effects of slavery, the origins of the civil war, the evolution of popular culture with special reference to jazz, the pursuit of civil rights and the emergence of the United States as a world power.

Year Two 10 modules
  • A Social History of Early Modern England: 1550-1750
    Module details

    This module will explore the lives of 'ordinary' (i.e. non elite) men, women and children living in England from c1550 to c1750. You will consider key defining factors of the society during this period including social structures; gender relations; lifecycles; urban and rural life; poverty and welfare; crime and punishment; popular culture; and the church.

  • Creative Writing: Poetry, Form and Freedom
    Module details

    This module will enable you to develop a variety of sophisticated traditional poetic forms and to develop experimental free verse poems within a reflective contemporary poetic practice.

  • Creative Writing Non-Fiction: Writing Place
    Module details

    You will examine and experiment as writers in three genres: travel writing 'the new nature writing' psychogeography.

    Assessment: Over the course of the module, you will undertake three assignments, one in each genre. In so doing, you will develop a nuanced understanding of non-fiction as a literary form. These 'assignments' will also extend your professional skills of research, drafting and presentation.

  • From 'Angry Young Men' to Cool Britannia?: A Historical Analysis of British Cultural Activity After 1945
    Module details

    This module provides you with an opportunity to analyse examples of British cultural activity after 1945 within their artistic, political, and historical contexts. The module discusses a series of key movements of cultural production, for example, 'the Angry Young Men'; 'Cold War fictions'; or 'Thatcherism/responses to Thatcherism'.

  • Kingdom of Heaven: Crusading and the Holy Land: 1095-1291
    Module details

    This module assesses the causes and consequences of crusading to the Holy Land between 1095-1291. You will examine the motives of the First Crusaders and the subsequent defence of the Holy Land, including leaders such as Richard the Lionheart, as well as the political and economic ramifications for the Latin East and the indigenous populations of the invaded territories.

  • Popes and Politics
    Module details

    This module examines the nature of papal pronouncements and diplomatic interventions in the continuing evolution of the modern nation state. You will consider these ideas in the new ideological landscapes of totalitarian power, in the two world wars and the Cold War. It will involve an analysis of the ideas, culture and structures of the Roman Catholic Church as they were found at work in the contexts of national and international politics in the years 1864-2005.

  • Re-Litigating the Past: State, Media and Historical Injustice in Contemporary Britain
    Module details

    This module focuses on how public histories have been rewritten in Britain over the past three decades, through the interventions of state, media, and voluntary sector institutions. By studying these forms of investigations, you will learn about how private traumas are integrated into or transformed public memory, the ways in which and reasons why silences are maintained or broken, and the place of 'the past' in judicial processes.

  • Renaissance to Restoration
    Module details

    This module explores the evolution of poetry and prose throughout the Renaissance era and into the Restoration period of the 17th century, as result of major political and religious turbulence. You will consider the works of Spencer, Marlowe and Shakespeare, who begin to explore gender and history in their work, before moving on to the satirical poetry of Donne, Marvell, Milton, and Rochester.

  • Stuart England 1603-88: Rebellion, Restoration and Revolution
    Module details

    This module introduces you to the Stuart Age, circa 1603-88, as you explore why England went through such a period of extended turbulence and instability in the 17th century. You will explore the radical political, religious, economic, social, cultural and intellectual changes that took place in Britain and beyond, in era of constitutional instability.

  • Women and Gender: 1000-1600
    Module details

    This module explores the term 'gender' and its usefulness as a category of historical analysis. It will then explore major areas of research on gender and sexuality by medieval and early modern historians, examining women across all social strata, from queens and regents to prophets and peasants.

Year Three 7 modules
  • Approaches to Research
    Module details

    This module will build on your earlier explorations of research techniques, with a focus on the development of time and project management skills as you begin to prepare for your dissertation. Questions concerning how one starts on a research project and establishes viability of subject to a range of different approaches/theoretical perspectives will be discussed in detail, in relation to how you will choose your dissertation topic.

  • Art & Knowledge in Europe: From Early Renaissance to Baroque: 1250-1650
    Module details

    This module examines the development of art, knowledge, taste, fashion and beliefs in Europe from c.1250-1650 as you consider the importance of intellectual history, cultural history, science and art as key aspects of European culture. You will pay close attention to a range of textual and visual sources, from literature, diaries, correspondence, journals, painting, sculpture and architecture.

  • Creative Non-Fiction: Writing Lives
    Module details

    This module introduces you to the versatile genre of creative non-fiction, in which writers employ skills transported from fiction to lend dramatic complexity to factual narratives. Using autobiographical material as a base, you will generate dramatic scenes on a variety of topics and themes.

  • Culture and Civilisation in Late Medieval England: C.1200-1550
    Module details

    This module offers a thematic and contextual survey of late-medieval England. It commences by problematising 'The Middle Ages', focusing on historiography, myth, public perception, and the constructed nature of historical periodisation. The focus is on England, but material from elsewhere may be used, and videos and field trips are normally employed in order to enhance your understanding of late-medieval culture and its conceptualisation.

  • Enlightenment Europe: 1688-1789
    Module details

    The ideas of the Enlightenment provided new ways of thinking about science, religion, education, politics and society and the place of 'mankind' in the world, but to what extent did the 'philosophers' transform society and how enlightened were they? You will explore these ideas as you engage with the works of Locke, Voltaire, Montesquieu, Diderot, Rousseau, Beccaria and Wollstonecraft.

  • Environment and State in Britain Since 1945
    Module details

    This module explores the British state's evolving stewardship over the environment since the end of the Second World War. You will examine the connected environmental challenges that the state has faced in this time including pollution, urban change, resource depletion, species conservation and control, epidemics, extreme weather, the threat of nuclear war, and climate change.

  • Experiments in Fiction: Magic, Detection, Sci Fi and Beyond
    Module details

    This module aims to provide you with an understanding of, and ability to recognise, a range of genres in prose fiction

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 degree grows your ability as a writer whilst you develop historical analysis, critical debate, and research skills. You'll usually begin with foundations in close reading, literary analysis across poetry, prose and drama, and critical theory, alongside writing in historical contexts from medieval to contemporary periods. In your second year, a course like this normally moves to modern and contemporary literature, including global writing, and workshop-based creative writing craft. By year 3, you'll pursue specialist options such as creative writing, Shakespeare and early modern texts, contemporary fiction, critical theory, world literature, and publishing pathways, culminating in an advanced research project or dissertation.

Who it's for

This course suits students interested in exploring both creative expression and historical understanding. Most accepted students held A-levels or equivalent qualifications; the typical UCAS tariff among recent entrants was 96–111 points. You'll need to study in English and commit to full-time study over three years.

University & format

The University of Chichester is a university based on the Bishop Otter Campus. The BA (Hons) Creative Writing and History is a full-time degree taught in English, running for 3 years. Chichester is a recognised UK degree-awarding body, and the degree is nationally recognised. The university received a Gold award 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
98%
Learning opportunities
94%
Assessment and feedback
96%
Academic Support
94%
Organisation and management
84%
Learning resources
100%
Student voice
89%

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.

Contextual offersPublished by this provider

The provider publishes contextual-offer information. Eligibility and any reduced offer are applicant-specific.

PlacementPublished placement option

Work placement. Availability, selection and pay can vary.

Open daysBook your Open Day

See and book current events. Dates can fill or change.

Entry & how to get in

Most entrants held A-levels or equivalent90% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 96 - 111 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check the University of Chichester'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 equivalent90%
another higher-education qualification5%
Other5%

Entry & your chances

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

Accessible entry

Accepted students came in with a broad spread of qualifications and UCAS points. If you're worried about grades, this course has historically taken a wide range, and contextual offers may apply.

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 gradesBCCA-level equivalent admitted students held
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course. 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 University of Chichester 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£16,800 / yr

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

Check fees at University of Chichester →

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 3 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 University of Chichester 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 English & Literature 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£28,000£21,500 – £30,00010
3 years after£22,500£17,500 – £26,00065
5 years after£26,500£21,000 – £30,50075

Nominal earnings for graduates of this course/subject at this provider. Limited evidence. Published sample: 10; treat comparisons cautiously. Cohort 2021-23.

Graduate outcomes, 15 months on: this course

90%
in work or further study 15 months on
45%
in highly skilled work or study
80%
continue past their first year
50%
find their work meaningful
50%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in english & literature · 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 English & Literature nationally

Starting (15 months) HESA GO
£28,000
£23,000 – £30,000
After 3 years LEO
£22,500
£19,975 – £28,200
After 5 years LEO
£26,500
£24,650 – £34,800
national rangethis course’s medianaxis £18,500 – £36,000

National figures for English & Literature 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

60% working15% working and studying5% in further study45% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2022-23. Limited evidence. Published sample: 10; treat comparisons cautiously. 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 English & Literature courses at the same study level.

This course £26,500Peer median £29,000Middle 50% £25,500–£31,500
32nd percentile

Compared with 1,436 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.

  • Artistic, literary and media occupationsSOC 2020 341 · 30% of published destinations · ASHE median £33,824
  • Sales occupationsSOC 2020 71 · 20% of published destinations · ASHE median £15,975
  • Teaching ProfessionalsSOC 2020 231 · 20% of published destinations · ASHE median £42,660
  • Skilled trades occupationsSOC 2020 5 · 10% of published destinations · ASHE median £34,241
  • Elementary occupationsSOC 2020 9 · 10% of published destinations · ASHE median £19,087
  • Customer service occupationsDiscover Uni category · 10% of published destinations

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: 60; response rate: 60%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Job market & outlook

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

85%
in work or further study 15 months after graduating, across English & Literature courses nationally.
Graduate Outcomes
55%
of working graduates are in highly skilled work or further study.
highly skilled
90%
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 English & Literature graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • Publishers
  • Media & broadcasters
  • Marketing & PR agencies
  • Charities & 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 £28,000. 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 93.6% · in work or study 90% · continued 80%.

Who studies here and in this subject?

Provider- and UK subject-level context.

The University of Chichester

All students6,375
International3.3%
Aged 25+35%

Language and area studies across the UK

Students75,355
Aged 25+23.7%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around Bishop Otter Campus

1,336 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 339Anti Social Behaviour 328Shoplifting 235Public Order 141Criminal Damage Arson 118

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

Is English & Literature right for you?

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

International students

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

Tuition fees

International tuition is £16,800 / 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 University of Chichester’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 University of Chichester and gov.uk before you apply.

Common questions

Entry is historically accessible, accepted students came in with a broad spread of qualifications. The most common tariff band among recent entrants was 96 - 111 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 the University of Chichester. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For History graduates from this provider, 90% were in work or further study 15 months after graduating, 45% in highly skilled roles, typical earnings around £28,000. (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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