Student Funding: Update information for HeriotWatt staff.

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Student Funding Update information for
Heriot-Watt staff.

• Roz McLoughlin
• Education Liaison Officer

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Topics To Cover..

• Tuition Fees
• Situation for Scottish Undergraduate Students
• Situation for non-UK EU Undergraduate Students
• Situation for English, Welsh and Northern Irish
  Undergraduate Students
• Whats happening outside of Scotland
• Student Loans
• The Future?
• Questions

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Fees..Funding.Complete Can O Worms.?
Isnt it free in Scotland??
Scottish Students dont pay do they?
Wheres Scotland???? (honest we get this!!!)
How much will it cost in Scotland?
Whats a Graduate Endowment?
Im half Scottish, do I get a discount?
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Tuition Fees Scottish Students in Scotland

• Scottish domiciled students DO NOT pay tuition
  fees IF they stay in Scotland to study
• Domiciled habitual and normal residence in one
  place. Basically means that the applicant lives
  in Scotland year after year by choice throughout
  a set period, apart from temporary or occasional
  absences such as holidays. Living here totally or
  mainly for the purpose of receiving full-time
  education does not count as being ordinarily
  resident.
• However..if an applicant moves from
  England/Wales/N.Ireland, even a month before the
  course commences, they will be Scottish
  domiciled, as SAAS will look at permanent
  address.
• Students must apply to SAAS each and every
  academic year to have these fees paid.

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Tuition fees Non-UK EU Students in Scotland

• Non-UK EU domiciled students are also entitled to
  free tuition due to the fact that (under European
  law) all EU students are entitled to the same
  rights to education as home students.
• Raises the English, Welsh and Northern Irish
  debatewe get it all the time! Is all very
  political.
• The infamous 3 year rule this only applies to
  non-UK EU students in relation to funding, not
  fees!

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Tuition Fees English, Welsh and Northern Irish
Students in Scotland

• Non-Scottish, UK students have to pay fees to
  study in Scotland
• 1735 per year
• 2760 for medicine
• These fees can now be deferred until after
  graduation IF a loan is taken out to pay the
  fees.
• Students must apply to their home support bodies
  to get fees paid for them.
• England Local Education Authority
• Wales Local Education Authority
• Northern Ireland Education and Library Board
• IF no loan is taken students will have to pay
  their fees upfront to avoid taking a fee student
  loan.
• Is REALLY important to remember that English,
  Welsh and Northern Irish domiciled students DO
  have to pay fees in Scotland! (Dont confuse this
  with the EU rule.)

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Tuition Fees Outside of Scotland

• All English, Welsh and Northern Irish HEIs can
  charge variable top-up fees - these can be
  anything up to 3070 per year of study.
• 98 of HEIs are charging the full fee.
• ALL students, regardless of domicile, must pay
  these top up fees.
• Scottish students outside Scotland can apply to
  SAAS for a non-means tested loan to cover the
  cost of their fees
• What this means
• 3070 per year more expensive for Scottish
  non-UK EU students to study outside Scotland.
• 1335 cheaper per year for English and Northern
  Irish students to study in Scotland.

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The Catch

• "in recognition of the higher education benefits
  they have received (Scottish Executive),
  Scottish graduates are required to pay a Graduate
  Endowment. (Education Act 2001 )
• 2289 for 2006-2007 entry (annually increases
  with inflation)
• Not paid until the April after graduation.
• Can be paid in a lump sum and/or by taking out a
  student loan to cover it.
• If a loan is taken out, does not start getting
  repaid until the graduate is earning over
  15,000.
• The graduate endowment fund aims to help those
  from lower income backgrounds by being
  redistributed in the form of bursaries.
• Only applies to Scottish and non-UK EU domiciled
  graduates.
• Exemptions Those who have taken less than 3
  years to complete their degree, mature students,
  lone parents and/or disabled graduates, those who
  have studied a course in one of the Allied Health
  Professions, a nursing diploma or degree, or an
  HNC/HND are exempt from paying the graduate
  endowment.

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Student LoansHands up if you have/had one?!

• A means-tested student loan scheme is open to all
  UK , Undergraduate, full-time students to help
  them meet their living costs.
• Students must apply each and every academic year
  to their home funding body
• SAAS - Scottish Students
• Local Education Authority (LEA) - England
  Wales
• Education and Library Boards - Northern
  Ireland
• Students are expected to fund themselves through
  a combination of ways student loans, bursaries,
  parental support and part-time/holiday work.

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Support Package for SAAS Students (per academic
year)

• Household Parental Bursary
  Loan Total
• Income Support
  Support
• (Gross)
• 17,000 - 2,510 2,465
  4,975
• 20,000 -
  2,222 2,320 4,542
• 30,000 813 468
  3,119 4,400
• 40,000 1,924 -
  2,476 4,400
• 55,000 3,530 -
  870 4,400
• Please note that an additional loan of up to 575
  is available to young
• students from families with an income below
  20,225
• Students do not have to take their full
  entitlement if they feel they dont need it.

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Paying back the Student Loan

• The SLC works with Inland Revenue to collect 9
  of income over 15,000.
• Repayments only start in the April after
  graduation.
• Interest is linked to inflation and is in line
  with the Retail Price Index
• Annual Income over Annual Monthly
• Income 15,000 Repayments Repayments
• 15,000 NIL NIL NIL
• 17,000 2,000 180 15.00
• 20,000 5,000 450 37.50
• 25,000 10,000 900 75.00
• 30,000 15,000 1350 112.50

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The Future

• Fee Refugees Doesnt appear to have happened
  yet on the scale that was predicted, many English
  students regard Scotland as too far.
• University facilities and resources in
  comparison Scottish HEIs may not have, or appear
  to have, as good staff and student facilities due
  to less income.
• The SNP keen to abolish the Graduate Endowment
  but this has strong implications for the
  bursariesback to square one and everyone pays
  fees in Scotland?

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In Summary..

• Scottish Domiciled (and non-UK EU) Students do
  NOT pay fees to study at Heriot-Watt BUT..
• they MAY pay a Graduate Endowment in the April
  after graduation.
• English, Welsh and Northern Irish domiciled
  students pay fees to study here of 1735 per
  academic year.
• ALL students at English, Welsh and Northern Irish
  Universities pay the variable Top-Up Fees.
• Student Loans are one element of student funding
  available to all UK students and are paid back
  only once certain criteria are met.

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Additional Information

• Students Awards Agency for Scotland
• www.saas.gov.uk
• Department for Education and Skills
• www.direct.gov.uk/en/EducationAndLearning
• Our own site!
• www.undergraduate.hw.ac.uk/admissions/tuition-fees
  

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Thanks for listening.Any Questions?

• R.H.McLoughlin_at_hw.ac.uk
• 0131 451 3747