Covers up to 85% of registered childcare while you study — paid termly, and it doesn't reduce your maintenance loan.
The grant is paid directly into the Childcare Grant Payment Service (CCGPS) to pay your provider.
Students understand finance faster when the process is shown as a journey, not a wall of rules.
Check nationality, immigration status, ordinary residence, age and previous study.
Submit SFE details, evidence and course information early to avoid delayed payments.
Tuition goes to the provider. Maintenance is paid to the student after enrolment confirmation.
Repay only when earning above the threshold. It is income-based, not a normal bank loan.
These blocks should reduce fear and increase adviser enquiries.
| Myth | Reality | Best next step |
|---|---|---|
| “Student Finance is like a bank loan.” | Repayment is based on income, not a fixed monthly instalment. | Use the repayment calculator. |
| “I must repay while I study.” | No. Repayment starts only after the course and only above the income threshold. | Check Plan 5 estimate. |
| “If I studied before, I cannot get anything.” | Previous study matters, but rules vary by route and qualification. | Book an adviser review. |
| “Online and weekend courses are always the same.” | Mode and attendance can affect maintenance support. | Check before choosing the course. |
YStudy can check your status, previous study and course type before you submit your application.