Loughborough University
Leicestershire, UK
LE11 3TU
+44 (0)1509 263171
Loughborough University

Student Advice and Support Service


Hardship Funds and Loans

During your time at University, you may find yourself with little money and struggling to meet your financial obligations.  This may be a budgeting issue or because there is a problem with your student funding. Our advisers can help you whatever the reason.

If you find yourself in a situation where you have very little money left to live on, you should contact us straight away to discuss the options available.

Emergency Hardship Loan

We can provide you with a Emergency Hardship Loan up to £250 depending on need. This is short term and attracts no interest or charges, unlike an unauthorised overdraft or payday loan.

The loan is intended to cover your essential needs such as food and travel and will need to be repaid to the University. You will agree a repayment date with your adviser at the same time as you agree the loan.  

Book an appointment with an adviser to discuss eligibility for an Emergency Hardship Loan.

The Hardship Fund

If you are in financial hardship you may be able to get some help from the University’s Hardship Fund. Application form, budget guidelines, information on eligibility and how to apply are below. 

The University’s Hardship Fund provides a grant to students who find themselves in financial hardship due to unforeseen circumstances since starting the course. Please note that the fund cannot help with tuition fee payments. The purpose of the Hardship Fund is to provide support for students who would not otherwise be able to continue to study. Students who have completed their studies and those who have not yet commenced are not eligible to apply.

An application can be made to the Hardship Fund each academic year. All enrolled Loughborough students can apply e.g. UK, EU and international students studying further education, undergraduate, postgraduate taught and postgraduate research courses. Students on a leave of absence are also eligible.

The Hardship Fund cannot be applied for in advance of your enrolment. You are expected to have planned ahead to have adequate financial provision in place for your studies. You should have secured / saved enough money to cover all your reasonable costs whilst studying and an expected provision assessment is part of the Hardship Fund assessment process.

If you are a UK student and have not applied for your full entitlement of loans/grants, you will not be eligible for an award.

An award from this fund is not automatic and awards are granted according to individual circumstances. Students need to make a full application with the supporting documentation requested on the form. Please note that as part of the decision making process, you might be asked to provide additional evidence to support your application.

We strongly recommend that you contact the Student Advice and Support Service for feedback on your draft form and supporting documentation prior to formal submission. You can book an appointment to do this by phoning +44 (0) 1509 222765 or requesting an appointment online.

Click on the image below to download the form. If you require the form in a different format e.g. PDF please contact advice@lboro.ac.uk.

Hardship Fund form Sample budget for Loughborough Sample budget for London
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Completed applications will be assessed and a decision communicated usually within 28 days. A maximum of £2,500 can be received in any one academic year but this depends on individual circumstances.

If your application is successful, payments will be made to the bank account details held on the University’s records. Awards in excess of £1,000 will normally be paid in instalments. If you have any outstanding Emergency Hardship Loans, it is usual to deduct the loan from any award you received from the Fund.

If your application is unsuccessful, you can seek advice as to your possible next steps.

Hardship Fund Summer Scheme (for Undergraduates)

If you are in financial hardship you may be able to get some help from the University’s Hardship Fund.

The Hardship Fund Summer Scheme is intended to help undergraduate students who face financial difficulties during the summer vacation.

Financial assistance may be granted if students are living independently over the summer, possibly due to being a care leaver, estranged from their family, prevented from supporting themselves due to caring responsibilities or other family, personal or health difficulties which make it necessary to stay in Loughborough. It is expected that students will attempt to find paid work or other means of supporting themselves over the summer but should explain if they have reasonable grounds for not doing so.

Applications will be accepted from the end of summer term (mid-June) to mid-September and decisions/payments will be made within four weeks of receipt of a completed application. The application form, information on eligibility and how to apply will be available on this web page around mid-June.

Applications will be assessed over the period of the summer vacation. It is important to set out your specific circumstances over the summer. In general your term time student finance will not be treated as income during the summer vacation but, if eligible, you are expected to have borrowed a government maintenance loan during the previous academic year.


Change of Circumstances

If your circumstances have changed since you submitted your application within the same academic year, you can re-apply using a shortened application form (below) setting out the changes and providing relevant evidence.

Please note that if you have already received £2,500, you will not be eligible for anything further.

Applications must be submitted by email to HFapplications@lboro.ac.uk.             

The change of circumstances application will be reviewed and there will be a fresh decision based on your original application and the new information you have provided.   

It is recommended that you discuss your Change of Circumstances application with a Student Advice and Support Service adviser before re-applying. Please note that as part of the decision making process, you might be asked to provide additional evidence to support your application.

Hardship Fund

Change of circumstance form


How Hardship Fund applications are assessed

You need only make one application in any academic year, unless you experience a further change of circumstances. Not all applications will be successful. The maximum award is £2,500 for the year. Decisions are made by the Assistant Registrar. These notes give a general overview of how applications are assessed.

What kind of awards can be made?

Any assistance is normally a non-repayable grant. Occasionally, a loan may be offered if that is deemed more appropriate. Any awards are paid by bank transfer.

Calculation of awards

Awards are assessed by calculating the difference between your expected provision (from loans, income, savings or capital) and standardised living costs to identify any shortfall. See below for the figures used when making the assessment. Successful applicants will receive either the amount requested or the calculated award, whichever is the lower, up to a maximum of £2,500.

Income and living costs used to assess applications

What is expected provision?

In addition to having sufficient funding for tuition fees, all students are expected to have made reasonable provision for their living costs (and any dependent family) before starting their studies, as summarised below.

Students with partners

UK Undergraduate/PGCE students – If you have a partner who is living with you only include their income and expenditure on the form if your student finance assessment was based on their income.

All other students - If you live with a partner as one household include their income and expenditure on the form.

What is expected Parental Contribution (PC)?

Undergraduate UK funded students

SFE funded students. https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021-v2.pdf

SFE 2016

Cohort non finalist

 Living away from family home ‘Elsewhere’         PC = £6,845 minus ML awarded

 Living at family home                                      PC = £5,414 minus ML awarded

SFE 2016

Cohort finalist

 Living away from family home ‘Elsewhere’         PC = £6,345 minus ML awarded

 Living at family home                                      PC = £4,957 minus ML awarded

SFNI funded students.  If receiving Maintenance Grant, then no PC

https://www.studentfinanceni.co.uk/media/1345/dfe-ni-rates-memorandum-1920-final.doc  (20-21 figures same as 19-20)

SFNI All cohorts from 2012 onwards

Elsewhere   PC = £4,840 minus ML awarded (For finalists use £4,480)


 SFW and SAAS funded students

 No assessment or expectation of PC

 Expected provision

When assessing income, it will be assumed that you have at least the following available for living costs:

Type of Student

Expected provision per academic year

SLC maintenance funded undergraduates

 (non-final year)*

£1,434 in addition to SLC maintenance funding and any assessed parental contribution

SLC maintenance funded undergraduates (final year)

SLC maintenance funding and any assessed parental contribution

*Except those unable to work due to disability or caring responsibilities

SLC maintenance funding and any assessed parental contribution

Further Education students

Actual income figures are used


 LOUGHBOROUGH                             LONDON

Single student e.g., EU UG (receiving fee loan only), International students, PG

£203 per week

(x 39 wks  =£ 7,917 UG)

(x 52 wks  = £10,556 PG)


£343 per week

(x 52 wks = £17,836 PG)



Student with partner/dependants

EU UG (receiving fee loan only), International students, PG

£203 per week, plus -

£44 for partner

£80 for each child

£20 one family premium for family with child/children

£343 per week, plus -

£47 for partner

£80 for each child

£20 one family premium for family with child/children

Living costs

The standard assessment is based on Reasonable Living Costs and Additional Living Costs.

Reasonable Living Costs (RLC)

These are SET FIGURES (see details in sample budget sheet) to reflect ordinary costs such as food, housekeeping, toiletries, bills, clothes, leisure. The weekly Reasonable Living Costs that will be used are:

Reasonable Living Costs (RLC) weekly figures



Single students



Students living with a partner/spouse



Students with children

£20, plus £80 per child

£20, plus £80 per child

Additional Living Costs (ALC)

These figures may vary depending on your individual situation and may be capped.

Rent/Mortgage costs weekly figures



Students living in parental/relative’s home

Up to £43

Up to £66

Non-first years in halls or renting privately

Up to £87

Up to £206

Students not in either of the above categories

Within reason

Within reason

If living in catered halls£1,000 deducted from total hall fees for food already counted in RLCs

 If rent/hall fees are inclusive of main utilities, £10.00 per week deducted as bills already counted in RLCs

Travel costs averaged as a weekly figure



Standard allowance for local travel and trips within mainland UK.



If travel costs exceed these figures please confirm the amount in Part 2, provide an itemised list and justification for the extra expenditure in Part 4.

Course Costs annual figures



Standard allowance - books, stationery, art and design materials, etc



If these costs exceed £330 confirm the total amount in Part 2 and provide an itemised list signed by your tutor. Course costs are subject to a £1,000 upper cap.




Other expenditure will only be considered if; you provide figures, explain why it is needed in your personal statement and provide evidence of the cost.