Students Staff

Hardship loans and funds

We can offer you help and advice with:

There are also various organisations who may be able to help you fund your studies:

Final Year Fund (All Students)

Applications for the Final Year Fund have now closed. Information regarding applications for 2019/20 will be updated later in the academic year.

Late Funding Loan (Home UK students only)

Late Funding Loans are available to undergraduate and postgraduate students who are eligible and have applied for funding from Student Finance or the NHS, but have not yet received any payments.

We'll help with a loan towards basic living costs. It will not be sufficient to cover rent or tuition fees. If you have dependent children you will receive a higher payment.

These loans are interest-free. Repayment conditions apply and will be discussed when you apply.

If you originally applied to a different university and haven't yet updated Student Finance then this will delay your payment. Please contact the Funding Team by emailing with details, including your Student Finance Student Support Number (SSN), and we can update your records.

  • Eligibility

    Your first funding instalment

    At the start of your first term at Essex, you'll receive your first instalment of NHS funding or undergraduate Student Finance normally three to five days after Registration. This means you may not receive payment until the end of the first teaching week. This is the standard timescale and no Late Funding Loans will be issued when this is the only issue affecting payment. You may still be able to apply for an Emergency Loan from SU Advice.

    Eligibility criteria

    In order to apply you should:

    • be fully registered at the University of Essex for the current academic year
    • be classed as a Home (UK) student
    • be eligible and have applied for maintenance support from Student Finance or NHS (you will be required to provide evidence that you have done so)
    • not yet have received any payments from your funding provider
    • be aware of the reason why your funding has been delayed (if you are not aware, we will ask you to contact your funding provider before submitting your application)

  • How to apply

    1. Check you meet the eligibility criteria above.
    2. Print the application form (.pdf).
    3. Complete the form and take it to your Student Services Hub with all of the required evidence.
    4. Hub staff will go through your application form and the repayment terms with you.
    5. If you're happy with the terms, your application will be processed and payment arranged.

    Loans are normally made by a combination of cash and BACS payments. Cash is available the next working day, but is not available at our Loughton Campus. BACS payments will be made as soon as possible.

University of Essex Hardship Fund (HF)

The aim of the Hardship Fund is to remove unexpected, short-term financial barriers and to assist with core living costs to help you to continue with your studies at UoE.

  • Eligibility

    To be eligible you must meet all of the following criteria:

    • You are a current full time or part-time registered UK, EU or International student at the University of Essex
    • You are undertaking Undergraduate or Postgraduate study
    • You are able to provide evidence of your current financial situation (examples provided below) and provide a supporting statement to explain why you are in an unexpected financial difficulty

  • International students

    International students who are on Tier 4 of the Point Based System of UKVI are expected to have demonstrated that they have adequate financial provision for their studies as part of their Tier 4 visa arrangements (i.e. having enough funds to cover the course fees and living costs). International Students are not eligible to apply for funding via Student Finance England (SFE) nor are eligible for welfare benefits.

    International students are eligible for the Student Hardship Fund. However, they are equally required to demonstrate that an unexpected and significant financial situation outside their control has led them to require financial assistance

  • How to apply

    1. Ensure that you meet the eligibility criteria above
    2. Carefully read these guidance notes
    3. Complete the application form and submit it electronically via email, along with all supporting evidence to

    Your application will not be assessed until you have provided all necessary evidence.

    Your application will be assessed within 5 working days of all requested evidence being received

  • Supporting Statement and Evidence

    To be considered for HF, you must complete the ‘Supporting Statement’ section on the application form asking you to explain why you are in financial difficulty and what you need financial support for, e.g. rent, food, travel etc. You must also include any supporting evidence regarding your current financial situation.

    Some examples have been listed below regarding most common current scenarios. The Funding Team will discuss any other scenarios with you if you are required to provide any further evidence to support your application.

    Reason for request Evidence example
    Unexpected bills/living costs Bank statements, a supporting email from family members who usually support you financially and are no longer able, evidence of arrears or debt
    Unexpected travel or changes to travel Destination, method (e.g. train), quoted cost from website/travel company, evidence of cancellation/change to travel plans

  • Maximum award

    Your application will be assessed based on your individual needs, with awards of up to £500. This is the maximum award to all students in one application.

    If you continue to be in financial difficulty following a successful application and receipt of an award, you may apply for the Hardship Fund again, as long as you are able to provide current and up-to-date evidence to show that this is the case. You will also need to provide a revised supporting statement that is relevant to your new application.

  • How your application will be assessed

    Your application will be assessed based on your individual needs. The assessment process is designed to identify those students who have particular financial needs and whose studies are being directly impacted due to unforeseen or unexpected circumstances.

    For cost of living calculations, we apply a set expenditure level, known as the ‘Composite Living Cost’. This is based on state benefit amounts for general living costs such as food and usual household costs such as utility bills. The relevant amount will be set depending on your circumstances, for example if you have children.

  • Your application outcome

    Successful applications

    You will be notified of the outcome of your assessment via email to your University email address. Please ensure that you check this regularly following submission of your application.

    If you are successful in receiving an award, payments will be made by BACS into your nominated UK bank account, unless you request for it to be paid directly to a third party, e.g. landlord, please make this clear in your supporting statement.

    Unsuccessful applications

    If you are unsuccessful, you will be notified via email to you University email address. We will also provide you with information about other sources of funding that you may wish to consider.

    If your circumstances change and you find that you are still in financial difficulty, you may apply for the Hardship Fund again, as long as you are able to provide current and up-to-date evidence to show that this is the case. You will also need to provide a revised supporting statement that is relevant to your new application and changed circumstances.

    Appealing your application outcome

    If you are dissatisfied with the outcome of your application, you can request a review of your application by email to

Vera Carmen Lord Fund

The Vera Carmen Lord Fund provides hardship funds for:

  • students who have resided in or have a connection to the Worthing area
  • students (or whose parents) are nationals of, or were born in Jamaica

Apply by following the application process for the University of Essex Hardship Fund (above) and submit additional evidence of your connection with the relevant area.

This fund was established thanks to a donation from a private individual.

Care leaver and refugee bursaries

Most of our scholarships and bursaries are only available to new students, but the following are open to current students too:

  • Care Leaver Bursary - Undergraduate students who were in UK local authority care before starting their course at Essex and Postgraduates who were under 25 at the start of their course
  • Refugee Bursary - Undergraduate and Postgraduate students with UK refugee status, or who are children of UK refugees