Money Management

Has your student loan not arrived?

If you haven't received your first student loan payment because you've applied to Student Finance England or NHS Bursaries but your assessment has not been completed, you may be eligible for emergency funding.

The University may be able to offer an emergency Short-Term Loan to eligible students who have not yet received their loan instalment through no fault of their own.

Short-Term Loans are cash payments at a set rate to help with essential expenditure while you're waiting for funding to come through.

You must be enrolled with Birmingham City University for the relevant academic year before any emergency funding can be paid.

Before you apply

1) Try to find out the progress of your application and when your funding might arrive by:

  • Calling Student Finance England on 0300 100 0607
  • Monitoring your application’s progress online with Student Finance England
  • Calling the NHS Bursary/Learning Support Fund on 0300 330 0521 or email them 

2) Visit your bank in person to explain your situation and ask if they will give you a short-term overdraft/loan until your student loan arrives. Take along your University ID card showing that you have registered with the University and some evidence that you have applied for a loan. Make sure you have applied for a Student Account – this gives you access to an interest-free overdraft facility.

How to apply for a Short-Term Loan

Current students should log an enquiry via iAsk

Repayment of loans

All emergency loans are repayable and must be repaid within 10 days of receiving the first instalment of your student loan/NHS bursary or when you leave the course, whichever is earlier.