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)

The University of Essex has received a donation to assist final year students who are experiencing financial difficulty and are at risk of not finishing their course.

If you are a final year student and have experienced an unexpected change in circumstances, you may be eligible to apply for the Final Year fund.

The aim of the fund is to help final year students who experience genuine financial difficulties with their cost of living or educational costs and excludes any support towards tuition fees. All students are able to apply.

You are expected to demonstrate that you made realistic financial provision and had an appropriate level of funding in place before you started your studies. The Fund is to be used when there are no further financial avenues available to you. Awards will not be made when it is clear no attempt has been made to make a reasonable provision.

PGR students who are in their third year of their PhD and their completion year are eligible to apply.

While awards are based on need, if you have a require a large sum of money, an award for part of your need may be awarded due to the limited pot of funds available. The fund is non-repayable.

The University Final Year Fund opens on Wednesday 22 May 2019.

  • Eligibility

    Eligibility criteria

    • The Fund is open to all fee statuses - UK Home and overseas students
    • Students must be fully registered
    • Students must be in their final year of study (PHD students may be in their third or completion year). Applications from students who are not in their final year will not be considered. If you are a UK home student who is experiencing financial difficulty and not in your final year please see our main university hardship fund application for more information.
    • Must be able to demonstrate that without financial support you will experience financial difficulty which may prevent you from completing your course to your full potential and may affect your student experience.
    • Can evidence that you made realistic financial provision and had an appropriate level of funding in place before you started your studies
    • You have experienced unforeseen circumstances that have led to financial difficulties.
    • Eligible UK home undergraduate students must have taken the full amount of Student Loan/NHS Bursary to which they are entitled before they can apply – this means that you must have been financially assessed. The only exception to this is where students have not been financially assessed because their household income is over the income threshold for means-tested support. In this case students must provide evidence of their household income (i.e. P60’s, wage slips, etc.)
    • UK home postgraduate students and all overseas students must show that they have made ‘reasonable provision’ to cover their course and living costs before they can apply to the fund. You must show that you have provided the full amount of your tuition fees, plus at least £5,000 towards your living costs.
    • Eligible Postgraduate Students must have taken out the full amount of Student Loan/NHS bursary to which they are entitled to before they can apply.
    • Eligible PHD students must have taken out a Doctoral Loan with SLC to which they are entitled to before they can apply.
    • Eligible EU students should have applied and be in receipt of a tuition fee loan to which they are entitled to before they can apply.
    • Overseas students should have sought financial assistance from their government where applicable.

  • How to apply

    The University Final Year Fund opens on Wednesday 22 May 2019.

    1. Please check you meet the eligibility criteria above.
    2. Carefully read the guidance notes at the start of the form and complete the application form (.doc) application form.
    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 supporting evidence with you.

    Incomplete applications will not be accepted. You will be asked to return once your application/evidence is complete.

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 funding@essex.ac.uk with details, including your Student Finance Customer Reference Number, 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 five to seven days after Registration. This means you may not receive payment until the end of the first teaching week. This is standard 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.

    Postgraduate student loans will not be paid until the end of October. If you have a confirmed postgraduate loan from the SLC then you will be eligible to apply for a Late Funding Loan.

    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 (Home UK students only)

This fund is available to students in the following groups who are experiencing or expect to experience severe financial difficulties during the academic year:

  • UK undergraduate students who receive maintenance support from Student Finance or the NHS
  • UK postgraduate students who can show they have made reasonable provision towards their tuition fees and living costs
  • Eligibility

    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
    • have taken all support available to you via Student Finance, Postgraduate Loans from the SLC and/or NHS
    • have taken all other funding that you may be entitled to, including welfare benefits and tax credits
    • show that, across the academic year, you have/will have sufficient funds to cover your full tuition fees, plus at least £5,000 towards living costs (postgraduate students)

  • How to apply

    The University Hardship Fund opens on Monday 3 December 2018

    1. Please check you meet the eligibility criteria above.
    2. Carefully read the guidance notes at the start of the form and complete 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 supporting evidence with you.

    Incomplete applications will not be accepted. You will be asked to return once your application/evidence is complete.

    Application deadlines:

    • Most undergraduates: The hardship fund is now closed for 2018/19.
    • Undergraduates on Nursing (Adult or Mental Health) and Edge Hotel School courses: 30 August 2019.
    • Postgraduates: 30 August 2019.

  • After you apply

    Reviewing your application

    Our Funding Team will process your application within four working weeks. Our Hub staff will try to ensure that your application and evidence is complete but this is not always possible. We may need additional evidence and we'll email you if this is the case.

    You will receive an email response letting you know the outcome of your application. If you are successful you will be required to complete some online money-management modules about budgeting and debt before your payment can be made.

    Successful applications

    • Payments are made by BACS into your nominated UK bank account.
    • If you request it we can make payment to a third party.
    • If you have an outstanding debt (other than tuition fee debt) to the University of Essex, your award will be put towards this debt. Any remaining balance will then be made available to you.

    Unsuccessful applications

    If you are unsuccessful then we will give you some information about other sources of funding that you may wish to consider.

    Appealing your application outcome

    If you are unhappy with the outcome of your application you are entitled to request a review. Your request must be made within two weeks of your outcome decision. The review will be conducted by another member of the Funding Team, not involved in your original assessment.

    If, following a review, you believe that there were procedural irregularities in the assessment of your application then you can submit an appeal. The appeal will be considered by a panel of Hardship Fund Committee members.

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
  • Refugee Bursary - undergraduate students with UK refugee status, or who are children of UK refugees