The short answer
The short answer is yes, you will receive some kind of student loan even if you continue to live at home while studying. This is because of tuition loans. Every “home” student (someone with a UK/Irish citizenship or someone with a “settled” status who has lived in the UK for at least three years prior to starting studies) is eligible for a tuition loan of up to £9,250. This is paid directly to your university, so there is nothing for you to worry about there.The long answer
The long answer is yes, but it’s complicated. Even if you’re living at home, there are a number of different factors that determine how much of a maintenance loan you receive from the government. A maintenance loan will help you with some of the costs of day to day life at uni. Like with tuition loans, all home students are eligible for one, though if you’re living at home, you may choose not to. It completely depends on your circumstances.How much maintenance loan will I get if I live at home?
The most important factor in determining how much you can receive in maintenance loans is your parents’ income. For the 2023-2024 academic year, you’ll be able to get a loan of up to £8,400 if your household income is £25,000 or less. This is the maximum maintenance student loan available. As you can see, it is lowered the higher your total household income is.Topic expertise: Student budgeting and finance
FAQs on Student Loans When Living at Home
Yes. Students who live at home are eligible for both tuition fee loans and maintenance loans. Tuition loans cover your course fees, while maintenance loans help with living costs—even if you’re not paying rent away from home.
For the 2025/26 academic year, the maximum maintenance loan for students living at home is £8,877. The exact amount depends on your household income—students from lower-income households are eligible for more support.
Yes, your maintenance loan is means-tested regardless of where you live. If your parents’ income is higher, your maintenance loan will be lower—even if you’re living at home during university.
Yes. You may be entitled to additional support through grants or a higher maintenance loan if you have a disability, receive certain benefits, or care for dependents—even if you're staying at home while studying.
Yes. If your living situation changes, update it in your Student Finance account. This ensures you receive the correct maintenance loan for your new circumstances, especially if you move out during the year.
Authors
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Aminah is a dedicated content expert and writer at Unifresher, bringing a unique blend of creativity and precision to her work. Her passion for crafting engaging content is complemented by a love for travelling, cooking, and exploring languages. With years spent living in cultural hubs like Barcelona, Sicily, and Rome, Aminah has gained a wealth of experiences that enrich her perspective. Now based back in her hometown of Manchester, she continues to immerse herself in the city's vibrant atmosphere. An enthusiastic Manchester United supporter, Aminah also enjoys delving into psychology and true crime in her spare time.
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