Student Finance in Channel Islands & Isle of Man
Jersey, Guernsey and Isle of Man funding rates for 2026/27, taken from each island's own government
Key Takeaways
- Jersey, Guernsey and the Isle of Man are Crown Dependencies. They are not part of the UK, and each runs its own student funding scheme. You do not apply to Student Finance England, SAAS, Student Finance Wales or Student Finance NI
- Jersey and Guernsey both fund off-island tuition up to £9,790 for 2026/27, the same figure as the England fee cap, and both pay it as a grant that is not repaid
- The Isle of Man is the only one of the three with a student loan. Under the 2025 Regulations, which apply from the 2026/27 academic year, the award is a tuition fee grant of up to £6,000 plus an optional loan of up to £3,535, a total of £9,535
- All three schemes are means tested, and the income points differ sharply. Full maintenance runs out at £52,600 in Jersey, at £30,388 in the Isle of Man, and in Guernsey it is worked out as a household contribution rather than a threshold
- If you do end up holding a UK student loan, it behaves exactly like anyone else's. The plan rules, thresholds, interest and write-off dates are the standard ones, with nothing special for islanders
In this article
The Channel Islands (Jersey and Guernsey) and the Isle of Man are British Crown Dependencies. They are not part of the United Kingdom and they are outside the UK student finance system entirely. Each island legislates for and pays for its own student funding scheme, with its own rates, its own means test and its own deadlines.
Every figure on this page is labelled with the academic year it belongs to and is taken from the island government that publishes it. Where a figure is not published, this page says so rather than guessing.
Important: students from Jersey, Guernsey and the Isle of Man cannot apply for funding through Student Finance England, Student Finance Wales, SAAS or Student Finance NI. You apply directly to your island's student finance service.
Rates change every year
The rates below were checked against gov.je, gov.gg and gov.im in July 2026 and are the published 2026/27 figures. Island schemes are reviewed annually and Jersey and Guernsey both describe their published tables as approximate. Always confirm your own award with your island's student finance team before you commit to anything.
Crown Dependencies Overview
Jersey, Guernsey (including Alderney) and the Isle of Man are self-governing Crown Dependencies. They are not in the UK, but students from all three normally get UK home fee status when they study at a UK university.
Home fee status is separate from funding
Home fee status and student funding are two different things, and islanders regularly confuse them. Home fee status decides what the university is allowed to charge you. Funding decides who pays it.
- What you are charged: a student from the islands studying in England is normally charged the England fee cap, which is £9,790 for 2026/27 for a standard full-time undergraduate course, not an international rate
- Since when: the Department for Education extended home fee status to Crown Dependency students from the 2021/22 academic year, and Wales made an equivalent change from 2022/23. The States of Guernsey notes that Scotland and Northern Ireland did not change their regulations, but that universities there charge Crown Dependency students home fees in practice
- Who pays: home fee status does not entitle you to a penny of UK student finance. Your island pays, under its own scheme, or you pay
- Independent providers: the Guernsey guidance warns that independent institutions can still charge above the home rate, and that the home fee arrangement does not cover postgraduate courses
What the three schemes have in common
- Grants first, not loans: the core of all three schemes is a non-repayable grant. Only the Isle of Man offers a loan, and only for the part of the fee its grant does not cover
- Means tested throughout: unlike the England tuition fee loan, which is not income assessed at all, tuition support on all three islands is income assessed
- Residency tests: each island requires a period of ordinary residence before your course starts, and the tests are not the same as each other
- Repayable if you drop out: all three can claw back grant money if you withdraw, fail, or in Guernsey's case fall below the attendance requirement
Note: if you want to know how UK repayment works for a UK loan you already hold, use our student loan calculator. It models the UK plans, not the island schemes, because the island schemes do not work on the UK plan model.
Jersey Student Finance 2026/27
Jersey student finance is run by the Government of Jersey and is entirely grant based. There is no Jersey student loan. Support is made up of a tuition fee grant and a maintenance grant, plus a set of allowances. All figures below are the published 2026/27 rates from gov.je.
Eligibility
- You and your parents must have been living in Jersey on 31 August before your first academic year, for 5 years or more, or for at least 1 year if you hold Entitled status
- You must be aged 16 or over on 31 August of the year you start your degree
- You must have been offered a place on your course
- There are no academic entry requirements for the grant itself
- Funding is normally for a maximum of 3 years. If your university spreads a 3 year course over 4 years, Jersey spreads the same 3 years of funding across 4 years at 75% per year
- You get nothing if your income is £210,400 or more, or if you hold assets worth more than £500,000
Tuition fee grant
Maximum £9,790 per year for 2026/27
That is the same figure as the England fee cap, so for a standard English undergraduate course a Jersey student on the full grant has their fees covered. The grant is paid directly to your university. If you study outside the UK or Jersey you pay first and Jersey reimburses you.
The full £9,790 is paid on gross income up to £115,719.99. Above that it steps down by roughly £980 a band.
| Gross income | Tuition fee grant |
|---|---|
| Up to £115,719.99 | £9,790 |
| £115,720 to £126,239.99 | £8,815 |
| £126,240 to £136,759.99 | £7,835 |
| £136,760 to £147,279.99 | £6,855 |
| £147,280 to £157,799.99 | £5,875 |
| £157,800 to £168,319.99 | £4,895 |
| £168,320 to £178,839.99 | £3,915 |
| £178,840 to £189,359.99 | £2,935 |
| £189,360 to £199,879.99 | £1,955 |
| £199,880 to £210,399.99 | £975 |
| £210,400 or more | £0 |
Maintenance grant
- Paid as a grant in 3 instalments straight into the student's bank account
- The full rate is paid where gross income is under £52,600
- The published 2026/27 maximum is up to £9,449. Jersey publishes a range rather than a single number because the amount depends on whether you are a dependent student, an independent student or a dependent student living off-island. The lower end of the top band is £8,831
- Maintenance tapers away across the bands and stops completely once gross income reaches £94,680. From that point you get tuition fee grant only
- Studying in London adds a 10% London component on top of the maintenance grant. Jersey states this is under review and may change
Honest caveat: gov.je labels its maintenance table "only approximate figures" and the published ranges do not reconcile cleanly with the totals column on its own page. Treat £9,449 as the headline ceiling, not as a figure you can budget on. Student Finance Jersey confirms your actual amount once it has reviewed your application, and that confirmation is the number that counts.
Extra allowances
- Clinical grant for medicine, veterinary, dentistry or nursing science: £1,178 to £1,261 for 2026/27, depending on whether you are a dependent or independent student. Income must be under £105,200
- Disabled student allowance: if relevant income is below £94,680 you can claim for a non-medical helper, specialist equipment and other reasonable non-travel costs. At £94,680 or above, it is limited to a non-medical helper for one hour per week of the course
- Interview allowance: up to £258 towards travel to a course interview. Jersey states this is subject to income below £52,600 for the 2025 academic year and assets not exceeding £500,000. Looked after children get it regardless of income
- Vacation study and field trip allowances: available, but you must contact Student Finance before the trip. No published cash rate
- Skills bursary: up to £6,675 per academic year for under-19s taking a full-time Level 2 or Level 3 course not offered on the island
- Placement years: the full grant is paid for a mandatory placement, or for an optional placement lasting at least 21 weeks
Deadlines and applying
Apply on form HE1 through gov.je Student Finance. For courses starting between 1 September 2026 and 31 August 2027 the HE1 deadline is 31 December 2026 and the HE2 income statement deadline is 31 March 2027. Jersey states plainly that it will not accept late applications. You apply once per course, then confirm your results and submit a fresh income statement each year.
If you leave your course midway or fail it, you have to repay all or part of your grant. You may be excused on medical grounds with a medical note and a letter from your university. Repeating a year is not funded.
Guernsey Student Finance 2026/27
Guernsey funding is allocated by the Committee for Education, Sport & Culture and administered by Student Finance Guernsey. It is grant based, with no loan, and the States of Guernsey states that all applications are now fully means tested. Figures below are from the published 2026/27 Schedule of Fees and Allowances (March 2026).
Eligibility
- Ordinarily resident in Guernsey or Alderney on 1 September of the year of application
- Lived in the Channel Islands, UK or Isle of Man for the three years immediately up to and including 31 August of the year before the course starts
- Hold a valid residency certificate or permit
- Studying a level 4 qualification or above
- No funding at all if you hold assets over £750,000, excluding your main residence and approved pension schemes
- Maximum funded study is 5 years in total up to and including level 7, or 7 years for a PhD. Medicine and dentistry are excepted. Part-time undergraduates get up to 6 years
Important: Bailiwick students are not eligible to apply for funding from Student Finance England. Guernsey also states that if you are eligible for support from another jurisdiction, you are not eligible for Guernsey support.
What Guernsey pays, 2026/27
| Item | 2026/27 rate |
|---|---|
| Off-island tuition fees, UK home rate | Up to £9,790 per year |
| On-island and distance learning tuition | Up to £8,840 for a full 120-credit year, pro rata below that (£6,630 at 90 credits, £4,420 at 60, £2,210 at 30) |
| Basic maintenance, London, 31 weeks | £11,587 |
| Basic maintenance, elsewhere in the UK or abroad, 31 weeks | £9,518 |
| Additional term days beyond 31 weeks | £24 per day, off-island study only |
| Travel allowance, UK and abroad | £809, paid as part of the maintenance grant, covering three return trips |
| On-island maintenance | £959 full-time (120 credits), £720 at 90, £480 at 60, £240 at 30 |
Guernsey's own dependent calculation sheet quotes the combined off-island package outside London as maintenance of £10,327 (the £9,518 basic rate plus the £809 standard travel allowance) plus tuition of £9,790, a headline total of £20,117 before any household contribution is deducted.
How the means test works
Guernsey does not use a simple income threshold. It calculates a contribution and deducts it from your award, taking it from maintenance first and then from tuition.
Dependent students (under 25 on 1 September of the year the course begins)
- Start with gross household income for the previous calendar year
- Deduct the household allowance: £53,673 joint household, £37,142 single household, £26,836 shared household
- Deduct a child allowance for each other dependent child: £6,395 aged 16 and over, £5,507 aged 10 to 15, £4,587 under 10
- Divide the remaining residual income by 4. That is the Parental Contribution
- Add an asset contribution if applicable, then deduct the total from your award
Independent students (25 and over on 1 September, or 22 with 3 years of full-time work)
- Assessed on an income bracket table using your own and any partner's gross income
- 100% of maintenance is paid where gross income is under £26,094, then it falls in 10% steps every £2,000, reaching zero at £44,095
- Where any maintenance is due, Guernsey also meets tuition fees in full up to the home fee limit
- Above £44,095, tuition support takes over: 100% from £44,095 to £46,094, then falling in 10% steps to zero at £64,095 and above
Assets
- Assets under £100,000, excluding your main residence and approved pension schemes, add nothing
- Assets of £100,000 or more are assessed at 2.1% of the total, added directly on to the contribution. On £100,100 of assets that is £2,102
- Total assets above £750,000 mean no grant at all
Other allowances
- Disabled Student Allowance: needs assessment up to £750, major items of specialist equipment up to £4,680 per course, non-medical helpers up to £11,840 per year, with a further £1,565 per year possible in certain circumstances. From 2026/27, DSA is applied for as part of the standard application form
- Interview and open day expenses: one UK trip for year 13 students, capped at £362. 100% reimbursed where gross household income is under £37,142, then 75%, 50% and 25% through to nil at £52,143 and above. Guernsey states this grant is due to be reviewed for 2027/28
- Student's dependants: maintenance is increased by £5,023 for a spouse or other adult dependant, and by £1,666 (under 5), £2,250 (5 to 11), £3,103 (12 to 15) or £5,013 (16 to 21) per child
- Sponsorship or scholarship disregard: £5,545. Anything above that is counted pound for pound
- Work placement travel: claimable for unpaid placements such as teaching practice and health placements, at 20p per mile by car, in arrears with receipts
Attendance requirement
Students funded by Guernsey must maintain an attendance rate of no less than 85%. Student Finance Guernsey seeks confirmation of attendance from your institution, and if you fall below 85% it may ask you to repay the funding in part or in full. Repeat years are not funded except in exceptional circumstances at the Committee's discretion, such as a major interruption through illness backed by a detailed medical certificate.
Deadlines and applying
Apply through gov.gg Funding for Study. The 2026/27 deadlines were 31 May 2026 for the main window, 30 June 2026 for Open University October-start modules, and a late window of 10 to 24 August 2026. Guernsey describes the deadlines as strict and warns that late applications are unlikely to be processed before term starts. Awards are made for the duration of the course but reassessed every year, and you must reapply annually.
Isle of Man Student Awards 2026/27
The Isle of Man scheme changed in 2026
Tynwald approved new student awards regulations in January 2026. The 2025 Regulations apply to students starting a new course in the 2026/27 academic year or later. Students who started before then stay on the older 2019 Regulations, which have different rates. Check which set applies to you before you rely on any number.
The Isle of Man scheme is run by the Department of Education, Sport and Culture (DESC). It is the only one of the three Crown Dependencies that lends money. Under the 2025 Regulations the total student award is up to £9,535 per year, made up of a tuition fee grant plus an optional loan.
Eligibility
- Ordinarily resident in the Isle of Man for a continuous period of at least 5 years immediately before the first academic year, or for two or more separate periods totalling at least 10 years, or with leave under the Ukraine Scheme
- You must remain ordinarily resident in the Isle of Man for the duration of the course
- Aged 18 or over, with 80 UCAS points or equivalent for an undergraduate course. Higher entry standards apply to postgraduate courses
- Funding for up to 4 years full-time or 6 years part-time, per course. Medical, veterinary and architectural degrees can go beyond that
- Deadline of 31 July for autumn-term starts, or one month before the course start date for winter, spring or summer starts
Tuition fee grant
- Maximum tuition fee grant is £6,000 per academic year
- The full £6,000 is paid where the financially relevant persons' total income is £112,000 or less
- Between £112,000 and £131,070 the grant tapers to zero. Above £131,070 there is no fee grant at all
- The £112,000 lower limit rises by £19,070 for each additional student in the same family studying at the same time
- At University College Isle of Man (UCM) the tuition fee grant is not means tested and DESC pays the fees in full
- Paid directly to the institution. Distance learning and international courses are reimbursed to the student against a receipted invoice
Tuition fee loan
- A loan of up to £3,535 per year covers the balance of the fee that the grant does not meet
- The loan is also means tested
- Interest is charged annually at the Bank of England base rate as at 1 July of the relevant year, capped at 3.5%, whichever is lower
- Repayments usually begin on 1 July after the end of the course or module, and only once you are earning £25,000 a year
- If you are already earning above £25,000 when you take the loan out, you have one year from the date you receive it to repay it
- Students at UCM do not contribute to their fees, so the loan is not available to them
- You must sign a loan agreement before any payment is made to your institution
Two things the current DESC guidance does not publish: the exact percentage of income taken in repayments, and whether the loan is ever written off. DESC's guidance for the older 2019 Regulations described the tuition fee loan as a lifelong loan with mandatory repayments at 9% of income above £25,000. The 2025 Regulations guidance confirms the £25,000 trigger but does not restate either the 9% rate or a write-off period. Ask DESC Student Awards to confirm both in writing before you sign the loan agreement.
Maintenance grant
| Where you study | Basic amount per year |
|---|---|
| London area, 30 weeks | £9,000 |
| Any country outside the UK, 30 weeks | £9,000 |
| Elsewhere in the UK, 30 weeks | £8,500 |
| Oxford or Cambridge, 25 weeks | £8,500 |
| UCM, undergraduate or postgraduate degree | £5,400 |
| UCM, non-degree course | £2,970 |
Maintenance means test
- Full maintenance grant where total considered income is £30,388 or less
- Between £30,388 and £90,000 the grant reduces as income rises. Above £90,000 there is no maintenance grant
- If you qualify for any maintenance grant at all, the minimum award is £300
- Paid termly, directly into the student's bank account
- DESC publishes indicative figures: around £7,129 outside London at £40,000 of income, £5,703 at £50,000, £4,277 at £60,000, £2,851 at £70,000 and £1,425 at £80,000, with London roughly £500 higher at each point
Disability allowance
Maximum allowances per year under the 2025 Regulations:
- Undergraduate basic allowance: £2,600
- Non-medical helper: £19,760
- Specialist equipment: £7,800, ordered by DESC and paid to the supplier directly
- Postgraduate basic allowance: £10,993
If you started before 2026/27
The 2019 Regulations still govern you. Under those rules the standard maximum tuition fees grant was £9,250 per year, made up of a £2,500 student contribution (which the loan could cover) and a DESC contribution of up to £6,750 that reduced once combined contributor gross income passed £112,000. The basic maintenance grant was £8,640 for London and overseas and £8,100 elsewhere in the UK, reducing once contributor net income exceeded £21,547 and reaching zero at £70,145 outside London or £73,386 in London. Those figures are historical for anyone starting from 2026/27 onwards.
Applying
Applications go to the Isle of Man Department of Education, Sport and Culture through the DESC Student Awards service. Awards can be withdrawn if you fail your end-of-year exams, if attendance at lectures falls below 50% other than for medical reasons, or if information in your application turns out to be untrue.
Comparing with UK Mainland
The headline difference is not the amount of money. It is the shape of it. In England the tuition fee loan is universal and not income assessed, and you leave with a debt. On all three islands the tuition support is income assessed and mostly given as a grant, so a student from a lower-income island household can finish a degree owing nothing at all, while a student from a high-income household may get very little.
| Feature | Jersey | Guernsey | Isle of Man | England |
|---|---|---|---|---|
| Who you apply to | Government of Jersey Student Finance | Student Finance Guernsey | DESC Student Awards | Student Loans Company |
| Tuition support 2026/27 | Grant up to £9,790 | Grant up to £9,790 off-island | Grant up to £6,000 plus loan up to £3,535 | Loan up to £9,790 |
| Is tuition support means tested? | Yes, full grant below £115,720 | Yes, via household contribution | Yes, full grant at £112,000 or less | No |
| Maintenance support | Grant, up to £9,449 | Grant, £11,587 London or £9,518 elsewhere, plus £809 travel | Grant, £9,000 London or overseas, £8,500 elsewhere in the UK | Loan, £14,135 London, £10,830 away outside London, £9,118 at home |
| Full maintenance up to | £52,599 gross income | No single threshold, contribution based | £30,388 total income | £25,000 household income |
| Maintenance stops at | £94,680 | When contribution exceeds the award | £90,000 | Never fully, a minimum loan remains |
| Is there a loan? | No | No | Yes, fee loan only | Yes, fees and maintenance |
| Repayment threshold | Not applicable | Not applicable | £25,000 | £25,000 to £33,795 depending on plan (2026-27) |
| Interest | Not applicable | Not applicable | BoE base rate at 1 July, capped at 3.5% | 4.1% on Plans 1, 4 and 5; 4.1% to 6% (capped) on Plan 2; 6% (capped) postgraduate |
Where island students do better
- Grants, not debt: a Jersey or Guernsey student on the full award finishes a three-year degree with no student debt at all. An English student on the same course leaves owing the fee loan plus the maintenance loan plus accrued interest
- Maintenance as a grant: Guernsey's £11,587 London maintenance rate is close to England's £14,135 London maintenance loan, but it never has to be paid back
- Small loan, small exposure: even where the Isle of Man does lend, the exposure is capped at £3,535 a year against a fee that could otherwise be £9,790
Where island students do worse
- Means testing bites much harder: the England tuition fee loan is available regardless of household income. On the islands a high-income household can end up funding tuition in full
- Money can be clawed back: withdrawal, failure and, in Guernsey, dropping below 85% attendance can all trigger repayment of grant. An England maintenance loan is not withdrawn for poor attendance in the same way
- Fewer funded years: Jersey normally funds 3 years, the Isle of Man 4, Guernsey 5 in total. England's rules on previous study are different and often more generous for a first degree
- Hard deadlines: Jersey says outright it will not accept late applications, and Guernsey's main 2026/27 window closed on 31 May 2026. Student Finance England accepts applications much later into the cycle
- Travel and relocation: only Guernsey pays an explicit travel allowance, £809 for 2026/27, and it is folded into the maintenance grant rather than paid on top
Repaying What You Borrow
There are only two situations in which an islander repays anything: an Isle of Man tuition fee loan, or a UK student loan they qualified for separately. Everything else on these islands is grant, and grant is only repayable if you withdraw, fail or breach the conditions of your award.
The Isle of Man tuition fee loan
- Repayments usually start on 1 July after the end of the course or module, and only once you are earning £25,000 a year
- Interest is charged annually at the Bank of England base rate as at 1 July, capped at 3.5%
- If you were already earning over £25,000 when you took the loan, you have one year from receiving it to repay it
- Loan repayment queries go to DESC Student Awards. DESC does not publish a repayment percentage or a write-off period in its 2025 Regulations guidance, so ask them directly
If you hold a UK student loan
Some islanders do hold UK student loans, usually because they lived in England before their course and met the Student Finance England residence test, or because they later took a UK postgraduate loan. If that is you, nothing about your repayment is special. You repay on the same plan rules as every other UK borrower.
| Plan | Annual threshold | Rate above threshold | Written off after |
|---|---|---|---|
| Plan 1 | £26,900 | 9% | 25 years |
| Plan 2 | £29,385 | 9% | 30 years |
| Plan 4 | £33,795 | 9% | 30 years |
| Plan 5 | £25,000 | 9% | 40 years |
| Postgraduate (Plan 3) | £21,000 | 6% | 30 years |
Write-off is measured from the first April after your course ends. Interest for 2026/27 is 4.1% on Plans 1, 4 and 5, and between 4.1% and 7.1% (uncapped ceiling) on Plan 2 and on the Postgraduate Loan depending on income. A 6% interest cap on Plan 2 and Plan 3 has applied in England and Wales since 1 September 2026, so 6% is the rate actually charged today at the top of that range.
Does island residence count for Student Finance England?
Yes, for the residence test. GOV.UK states that to get full support you must have been continuously living in the UK, Channel Islands or Isle of Man for the 3 years before the first day of your first academic year. Time spent living in Jersey, Guernsey or the Isle of Man counts toward that 3 years.
That alone is not enough, though. You also have to be a UK national, Irish citizen or hold settled status, and your home must be in England. An islander who is still ordinarily resident on the island does not meet that second condition, which is why island residents apply to their own government instead.
Working overseas
If you hold a UK student loan and move abroad for more than three months, you must tell the Student Loans Company and update your employment details. If you hold an Isle of Man tuition fee loan, contact DESC Student Awards. Neither Jersey nor Guernsey has a loan to repay, so there is nothing to declare.
Practical Considerations
Additional costs for island students
Students from Crown Dependencies face expenses that mainland students usually do not:
- Travel: flights or ferries at the start and end of every term. Guernsey builds a £809 travel allowance into its 2026/27 maintenance grant covering three return trips. Jersey and the Isle of Man do not publish a separate travel rate for undergraduate study
- Storage: many island students pay for UK storage over the summer rather than shipping everything home
- Initial relocation: the cost of the first move, including shipping belongings to UK accommodation
- Currency: Jersey and Guernsey issue their own notes and coins at par with sterling. UK retailers and banks are not obliged to accept them, so plan to hold ordinary sterling while you are away
Planning your finances
Apply early, and note that the deadlines are real
Jersey states it will not accept late applications. Guernsey's main 2026/27 window closed on 31 May 2026 with a late window in August, and it warns that late applications will probably not be processed before term starts. The Isle of Man deadline is 31 July for autumn starts. These are much tighter than the Student Finance England cycle.
Have the parental contribution conversation first
All three schemes assume your family will contribute where income allows. Guernsey makes this explicit by calculating a Parental Contribution and deducting it from your award. Find out what your household will actually be assessed at, and whether your parents can and will pay it, before you accept a place.
Assume a shortfall
Even a full award is unlikely to cover London rent and living costs outright. Plan how you will fund the gap through part-time work, savings or family support, and remember that an island grant is not topped up by a UK maintenance loan.
Alternative funding sources
If government funding does not cover your costs, look at local scholarships from island charities and trusts, university bursaries, and sector-specific funds. Jersey maintains a published list of educational trusts, bursaries and gift funds. Guernsey requires you to declare any bursary you receive from another source, because depending on its value it may be counted as income in your assessment, subject to a £5,545 disregard.
Keeping your funding
- Guernsey requires at least 85% attendance and seeks confirmation from your institution
- The Isle of Man can withdraw an award if attendance falls below 50% other than for medical reasons, or if you fail your end-of-year exams
- Tell your funding authority immediately about any change in circumstances
- Reapply every year. All three schemes reassess annually and require a fresh income declaration
- Keep every award letter and proof of enrolment. Guernsey students may need their award letter to satisfy a university or a landlord
If you withdraw from your course
Withdrawal is financially serious on all three islands. Jersey will require repayment of all or part of your grant if you leave midway or fail, though it may waive that on documented medical grounds. Guernsey may ask for repayment of maintenance for the relevant term and of tuition fees, and any parental or student contribution towards fees remains payable. The Isle of Man may reduce the value of future awards by the amount already paid for your first course, and both you and your financially relevant persons are jointly liable for repayment. Contact your island education authority before you decide, not after.
Official Sources
Every island figure on this page came from one of the following pages, checked in July 2026. If a rate here disagrees with the source, the source is right. Go straight to your island's own service for anything that will affect a real financial decision.
- Jersey: gov.je Student Finance guidance and application. Contact Student Finance on 01534 449450 or studentfinance@gov.je
- Guernsey: gov.gg Funding for Study, plus the Dependent and Independent Schedules of Rates and Allowances 2026/27 linked from that page. Contact Student Finance on 01481 226560 or studentfinance@gov.gg
- Isle of Man: desc.gov.im Student Awards, specifically the 2025 Regulations pages for courses starting in 2026/27 or later, and the 2019 Regulations pages for earlier starters
- UK fee cap, eligibility and repayment: GOV.UK student finance eligibility and GOV.UK repaying your student loan
What is not published, and where we have said so
- The Isle of Man does not publish a repayment percentage or a write-off period in its 2025 Regulations guidance. The 9% figure comes from the older 2019 Regulations guidance
- Jersey publishes its maintenance grant as an approximate range, not a fixed rate, and does not publish separate maintenance tables per student category
- Guernsey does not publish a household income threshold for maintenance, because it uses a contribution calculation instead
- Jersey does not publish a cash rate for vacation study or field trip allowances
Calculate Your Student Loan Repayments
If you hold a UK student loan, our calculators show what you repay on the 2026-27 thresholds
Student Loan Calculator UK Editorial Team
Editorial Team
This page is maintained by the Student Loan Calculator UK editorial team, checked against GOV.UK and Student Loans Company guidance. Read more about our editorial approach.