Finance details for Scottish Students

Full-time students

Financial Assistance

UK/Home students who are experiencing financial difficulty during the course of their studies can access a number of different resources depending on their circumstances, namely: the Discretionary Fund and the Childcare Fund.

We receive funds from SAAS to assist eligible students who are facing financial difficulties.

Application forms can be downloaded and once completed returned to the Student Help Point

Financial Assistance Guidelines (PDF 361KB)
Financial Assistance Application Form (PDF 285KB)
Income & Expenditure Sheet (XLSX 24KB)
Referee’s Report (PDF 80KB)
Childcare Provider Form (PDF 280KB)
Lone Parent Childcare Grant Only Form (PDF 200KB)


Student Finance Appeals 

The Student Financial Appeals Procedure relates to appeals against financial awards made by the University's Student Finance Team including, but not limited to, the Discretionary Fund, Childcare Fund and Financial Support.

Student Finance Appeals Guidelines (PDF 80KB)

Student Finance Appeal Form (DOCX 65KB)


Nursing Students

Assistance available to students undertaking the Bachelor of Nursing or Midwifery course is a non income-assessed bursary only.

The rates for 2017-18 are:

  • Years 1, 2 and 3 of study - £6,578
  • Year 4 of study - £4,934

Students on these courses are not eligible for student loans, a Young Students’ Bursary or an Independent Students’ Bursary.

Supplementary Grants

  • Dependants' Allowance
  • Single Parents' Allowance
  • Childcare Allowance for Parents
  • Disabled Students' Allowance (DSA)
  • Expenses for clinical placement

Further details on all support available on the SAAS website:

Student Loans/Bursaries - Scotland

Student Loans

The maximum non-income assessed loan is £4,750. This means that you can apply for a student loan of up to £4,750 regardless of your household income. The rate of student loan you will receive will be the same whether you live at home or choose to live away from home. 

Dependent Student Bursary  

A maximum bursary of £1,875 will be made if your household income is £18,999 a year or less. If your household income is over £34,000 a year you will not qualify for a bursary and your living cost support will be entirely through a student loan.

Support package for dependent students

Household Income




Up to £18,999




£19,000 to £23,999




£24,000 to £33,999




£34,000 and above




Independent Student Bursary (ISB)

The maximum amount available will be £875 if your household income is £18,999 or less a year or if you are single. If your household income is over £19,000 a year you will not qualify for an ISB and your living cost support will be entirely through a student loan.

Support package for independent students

Household Income




Up to £18,999




£19,000 to £23,999




£24,000 to £33,999




£34,000 and above




Repaying Student Loans - Scotland

Repayment will not begin until the April after you complete or otherwise leave your course.

Repayments will only be sought once your income is more than £17,775 a year. If your income drops below this amount repayments stop and will restart when it reaches this level again. Payments will be made through the Inland Revenue and will begin automatically once your income reaches the appropriate level. The amount you have to repay each year will be 9% of your annual income over £17,775, ie the first £17,775 of income will be disregarded and you will repay 9% of your income above that level. 

Repayments which you would make at different income levels:


Up to £17,775












You can make extra voluntary payments direct to SLC to repay your loan quicker.

Interest rates

For further details about repaying your loan and the interest rate please visit SLC - Student Loan Repayment.

Repeat years/previous study - Scotland

SAAS offer a 'plus one year'.

This will allow students to gain one extra year’s funding to the minimum time required to complete a programme of study.  

The ‘plus one’ year can be used to cover scenarios that include:

  • academic repeats
  • medical repeats
  • compassionate repeats
  • approved changes of courses
  • year one of degree for HND holders

Students not eligible for full support are still eligible to apply for a student loan and any supplementary grants.

Further details on all support available can be obtained from SAAS

Lone Parents’ Grant

Students who are widowed, divorced, separated or single with at least one dependant child may be eligible for the Lone Parents’ Grant of £1,305 from SAAS.

Further details can be obtained from the SAAS website 

SAAS - Living-Costs Grant

Dependants' Grant

You can claim this income-assessed grant for your husband, wife, civil partner or partner.

You cannot claim this grant for another student. If your husband, wife, civil partner or partner has any income, this may affect your entitlement. SAAS will pay up to £2,640 to cover the full 52 weeks from the first day of the academic year of your course.

Further details can be obtained from the SAAS website:

SAAS - Living-Costs Grant

Short Term Emergency Loans

You can apply to the University for an Emergency Loan if you suddenly find yourself in financial difficulty.

As these funds are extremely limited, the maximum loan that can be made is capped at £600.

Short-term emergency loans are available on a discretionary basis to assist students with an immediate financial crisis.

Short-term emergency loans are not grants and must be repaid nor are they a solution to long term underfunding or cash-flow problems.

You should familiarise yourself with the following terms and conditions before applying for an emergency loan:

  • Emergency loans are only issued to students registered on a Full Time Course
  • Emergency loans are only issued for essential maintenance costs such as food; travel to and from University, essential medical costs and essential consumables/toiletries.
  • Emergency loans will not be issued to fund tuition fees, library fines or any other fines which could have been avoided.
  • If you are in the final year of your course you are not eligible to apply for an emergency loan after your course end date regardless of graduation date.
  • Additional information may be requested to support your application.

Application Process

You can apply for a short-term emergency loan by attending a drop in session at the Student HelpPoint in Garthdee on a Monday, Wednesday and Friday 10am – 1pm, or contacting Student Finance outwith these times.


Short-term emergency loans are interest free. A repayment date will be agreed during the meeting, taking into account when future income is expected. It may be possible to set up a repayment plan.

Students who fail to repay an emergency loan may:

  • experience registration delays
  • be refused future loans
  • be referred to the University's External Debt Collection Agency to recover the outstanding sum and this may adversely affect your credit rating. You will also be liable for any additional recovery costs.


At RGU we recognise that being a student can be expensive.

That's why we offer a range of scholarships. Winning a scholarship can be an easy way of boosting your income, leaving you free to concentrate on your studies. It’s also an excellent way to gain practical experience through the industry mentoring and placement opportunities which many of our corporate scholarships offer.


Other Funding - Undergraduate Students

Register of Education Endowments

SAAS maintains a Register of Educational Endowments containing information on many Scottish trusts. You can only get help from a trust if you meet the eligibility conditions of that trust and the conditions vary from trust to trust, with only the trustees deciding if you are eligible.

Find out more: Register of Education Endowments (PDF 314KB)

The Sutherland Page Trust

Open to full time students who have successfully completed the first year of their course. Eligible courses include Medicine, Law, Arts, Divinity or Science. Only students who were born in Scotland, or who have at least one parent born in Scotland, or who have been resident in Scotland for at least three continuous years prior to entry to a Scottish university are eligible to apply. Applications are normally available early October with a closing date in November and can be obtained from the Student Help Point. 

Further details from Student Finance.

Carnegie Trust - Fee Assistance

Students attending or accepted for a first degree course at a Scottish university, who were born in Scotland or who have a parent born in Scotland or who have at least three years of secondary education in Scotland, and whose fees are not being paid by any other body, may apply for assistance with fees. To be eligible you must also demonstrate that you would suffer hardship if assistance was not given. No other form of assistance is available and applicants must satisfy the Trustees that they could support themselves or be supported if assistance were given. Assistance will not be given with fees for postgraduate study. Applications will be considered between 1st April and 1st October in the year of commencement of study.

Further information available at

Leverhulme Trade Charities Trust

The Leverhulme Trade Charities Trust offer bursaries to students who have an immediate family member who is/was a commercial traveller, chemist or grocer. Funds are for maintenance, tuition fees, travel, study materials, accommodation, childcare costs, etc. 

Further details are available at

The Royal Caledonian Educational Trust

The Royal Caledonian Educational Trust can assist the children of a Scot who has served or is serving in the Armed Forces. Assistance can be given for living costs, books and equipment and additional fees.

Further details are available at

Enhanced Learning Credits Administration Services (ELCAS)

The MoD's Enhanced Learning Credits Scheme (ELC) is an initiative to promote lifelong learning amongst members of the Armed Forces. The ELC scheme provides financial support in the form of a single up-front payment in each of a maximum of three separate financial years.

Further information is available at Enhanced Learning Credits

Stirlingshire Educational Trust

The Stirlingshire Educational Trust provides grants to undergraduate students who have a minimum of 5 years residence in Stirlingshire or were born there.   The Governors of the Trust meet every 3 months – March, June, September and December. Application can be made at

Further information can be obtained by contacting their office at or telephone 01786 474956 during office hours Tuesdays and Thursdays only. 

Trust Funds

Part-time students

Funding for part-time students