{"id":4446,"date":"2023-04-26T14:24:32","date_gmt":"2023-04-26T14:24:32","guid":{"rendered":"https:\/\/host-students.com\/uncategorized\/how-does-my-parents-income-affect-my-student-loan-application\/"},"modified":"2025-10-15T12:36:57","modified_gmt":"2025-10-15T12:36:57","slug":"how-does-my-parents-income-affect-my-student-loan-application","status":"publish","type":"post","link":"https:\/\/host-students.com\/information\/new-students\/how-does-my-parents-income-affect-my-student-loan-application\/","title":{"rendered":"How does my parent&#8217;s income affect my student loan application?"},"content":{"rendered":"<p>Regardless of your parent\u2019s income, you will be entitled to a student loan to pay your tuition fees.<\/p>\n<h3>What is a tuition fee?<\/h3>\n<p>Regardless of your parent\u2019s income, as a British student you will be entitled to a student loan to pay your tuition fees. This loan gets paid directly to the college or university.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27333\" src=\"https:\/\/host-students.com\/wp-content\/uploads\/2025\/05\/1-2-6.jpg\" alt=\"GBP money cash notes\" width=\"965\" height=\"368\" \/><\/p>\n<hr \/>\n<h3>What is a maintenance loan?<\/h3>\n<p>The maintenance loan is given to help towards <a href=\"https:\/\/host-students.com\/locations\/\">student accommodation<\/a> and living expenses. The amount of loan you receive can depend on your parent\u2019s income. The loan is influenced by your parent\u2019s earnings. Simply put, the higher the family income, the less loan you receive. In this shortfall, parents are expected to help cover costs which the maintenance loan can\u2019t.<\/p>\n<p>You must provide household income if you apply for the full maintenance loan. You\u2019ll need to provide your household income for the previous tax year to your course study year. For example, if you are planning to attend university for the academic year 2024\/25, you\u2019ll need to provide household income from 2022 to 2023.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27336\" src=\"https:\/\/host-students.com\/wp-content\/uploads\/2025\/05\/4-2-3.jpg\" alt=\"student loan income\" width=\"965\" height=\"368\" \/><\/p>\n<h3>What is household income?<\/h3>\n<ul>\n<li>Household income is income you get from your own savings, investments or property (for example dividends or rent).<\/li>\n<li>It may also include your parents or partner\u2019s income. This depends on your individual circumstances.<\/li>\n<\/ul>\n<h3>If you\u2019re under 25 and financially dependent on at least one parent.<\/h3>\n<p><strong>Household income includes:<\/strong><\/p>\n<ul>\n<li>Your parents\u2019 income, if you live with them or depend on them financially.<\/li>\n<li>The combined income of one of your parents and their partner, if you live with them or depend on them financially<\/li>\n<\/ul>\n<h3>Household income definition if you\u2019re under 25 and not financially dependent on your parents.<\/h3>\n<p><strong>Your household income does not include your parents\u2019 income if you:<\/strong><\/p>\n<ul>\n<li>have supported yourself financially for at least 3 years<\/li>\n<li>have been married or in a civil partnership at any time before the start of your course<\/li>\n<li>spent at least 13 weeks in the care of your local authority before you turned 16 &#8211; in this case, you might be able to apply as a care leaver<\/li>\n<li>had no contact with your parents for over a year &#8211; in this case, you might be able to apply as an \u2018estranged student\u2019<\/li>\n<\/ul>\n<h3>Household income definition if you\u2019re over 25.<\/h3>\n<ul>\n<li>Your household income won\u2019t include your parents income if you are over 25, as you will be classed as an \u2018independent student\u2019<\/li>\n<li>Remember that your household income will include your partner\u2019s income, if you live with them.<\/li>\n<\/ul>\n<p><strong>Learn more about <a href=\"https:\/\/www.gov.uk\/government\/publications\/student-finance-how-youre-assessed-and-paid\/student-finance-how-youre-assessed-and-paid-2022-to-2023\">how student finance is assessed<\/a> here.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27334\" src=\"https:\/\/host-students.com\/wp-content\/uploads\/2025\/05\/2-2-6.jpg\" alt=\"student discussing loan with parents\" width=\"965\" height=\"368\" \/><\/p>\n<hr \/>\n<h3>Will my parent\u2019s income affect my student loan if I live at home during university?<\/h3>\n<p>If you plan to live at home with your parents during your course, you will be entitled to less student loan than those moving out. You will still need to declare your parent\u2019s income.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-27335\" src=\"https:\/\/host-students.com\/wp-content\/uploads\/2025\/05\/3-2-5.jpg\" alt=\"student with parents\" width=\"965\" height=\"368\" \/><\/p>\n<hr \/>\n<p>In order to find out exactly what you will be entitled to, use this easy <a href=\"https:\/\/www.gov.uk\/student-finance-calculator\">student finance calculator<\/a>. Please note that your result will be more accurate if you know your household\u2019s annual income.<\/p>\n<hr \/>\n<p><em>Follow us on\u00a0<a href=\"https:\/\/www.facebook.com\/HostStudentsUk\" target=\"_blank\" rel=\"noopener\">Facebook<\/a>,\u00a0<a href=\"https:\/\/www.instagram.com\/hoststudentsuk\/?hl=en\" target=\"_blank\" rel=\"noopener\">Instagram<\/a>\u00a0and\u00a0<a href=\"https:\/\/twitter.com\/hoststudentsuk\" target=\"_blank\" rel=\"noopener\">Twitter<\/a>\u00a0for our latest tips, news and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You must provide income if you apply for the full maintenance loan. You\u2019ll need to provide your parent&#8217;s income for the previous tax year.<\/p>\n","protected":false},"author":11,"featured_media":4452,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54,55],"subject":[67],"location-tax":[],"class_list":["post-4446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-new-students","category-parents","subject-student-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Does Parent Income Affect a Student Loan Application? | Host<\/title>\n<meta name=\"description\" content=\"You must provide income if you apply for the full maintenance loan. 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