If your student loan is delayed

You will receive your Student Loan once your course starts (usually 25 September), but if it is delayed there are a number of checks you need to make and some options for interim funding.

Most delays are caused by a few fairly common issues, and are usually resolved quite easily. 


Check the following if your loan is delayed:

  • Did you return your signed declaration form to Student Finance England? Student Finance England can't pay your loan without your National Insurance number and bank details.

You can print a copy of your declaration form by logging into your Student Finance England online account and “viewing correspondence”. Sign and return a copy to Student Finance England.

  • If you’re a first-year student have you waited four working days after collecting your student ID card?

When Student Finance England receives your declaration form, the University will be asked to confirm that you have registered. We confirm this electronically once you've collected your student ID card. We don't have to scan your letter (even if Student Finance England tells you we have to).

Next steps

If you've completed all the checks and have still not received your first Student Loan instalment into your nominated bank account then log into your Student Finance England online account and view your evidence screen. It’s possible that:

  • Some supporting evidence might be outstanding. If this is the case but you've sent it all then a member of our Student Financing team can investigate for you. You'll need to be present when we call them or set up a password with Student Finance England so that we can do it in your absence.
  • Student Finance England might think you're registering at a different university.

If it remains unclear why your loan is delayed, call Student Finance England on 0300 100 0607. They will tell you what is causing the delay and may be able to tell you how long you'll have to wait for your money.

Interim funding options

When you know the reason and length of the delay it will help you plan interim funding options. These might include:

  • Borrowing from friends and family
  • Using an interest-free bank overdraft
  • Contacting the Funding team particularly if you need money to cover essential food and travel to the University.