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Full time students and benefits - How much Universal Credit will I get?

Find out more about the definition of a full-time student for benefit purposes and whether you can claim any benefits or tax credits

How much Universal Credit will I get?

Universal Credit includes amounts for

Basic expenses
Housing costs
Disabilities

Universal Credit will be calculated based on your income. This will include your income from student loans for maintenance and student grants.

Student income and Universal Credit

The following steps can help you to calculate:

Step 1 – Work out your total student income and take out disregarded grants.

Step 2 – Your student loan for maintenance should be averaged out across the academic year. Work out how many months this will cover during the year of study.

Step 3 – Divide the amount of Step 1 by the amount from Step 2

Step 4 – Take out £110 from the amount in Step 3 and you can find out how much will be deducted for your student income when calculating your Universal Credit.

Students don’t get any work allowance before student income is deducted from Universal Credit.

Katie gets a student loan of £10,800 in total. She has a 3-year-old child and gets Special Support Grant of £3,900. Year one of her course starts from 21 September 2020 to 17 May 2021. Her Universal Credit assessment periods run from 20th of the month to the 19th of the following month.

Step 1 : £10,800 - £3,900 = £6,900 (Her Special Support Grant is not counted as income for Universal Credit (see Student Income ).

Step 2 : Katie's student loan counts as income for seven assessment periods.

Step 3 : £6,900 ÷ 7 = £985.71

Step 4: £985.71 - £110 = £857.71

Katie's Universal Credit will be calculated based on income of £875.71 a month from 20 September to 19 April 2021.

Post-graduate income and Universal Credit

Universal Credit will be calculated based on 30% of the maximum postgraduate or postdoctoral loan.

If you fail to apply for the maximum postgraduate loan you’re entitled to, it will usually be treated as if you get the loan and your Universal Credit will be calculated on that amount.

Step 1 – Calculate the 30% of the postgraduate loan.

Step 2 – Your postgraduate loan should be averaged out across the academic year. Work out how many months this will cover during the year of study.

Step 3 – Divide the amount of Step 1 by the amount from Step 2.

Hassan gets Universal Credit and his full-time postgraduate master’s degree starts on 12 September 2019. His Universal Credit assessment periods run from 8 September 2019 to 7 May 2020. The course will last for one year and he gets a postgraduate master’s degree loan of £10,000.

Step 1 : £10,000 - £7,000 = £3,000.

Step 2 : Hassan’s loan counts as income for seven assessment period Close Assessment Period A monthly period starting on the day you first make your Universal Credit claim. See full definition .

Step 3 : £3,000 ÷ 7 = £428.6

Hassan’s Universal Credit will be calculated based on income of £428.6 a month from 8 September 2019 to April 2020.

The Department for Work and Pensions (DWP) will not usually give detailed information on how your student income has been calculated, and this is a complicated area where the DWP makes mistakes. If you are getting student income and Universal Credit, it would be a good idea to get help from an adviser to see how much should be deducted from your Universal Credit.

Updated: January 2023

https://www.turn2us.org.uk/get-support/information-for-your-situation/full-time-students-and-benefits/how-much-universal-credit-will-i-get

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PhD student hit with £17,000 bill by DWP after universal credit error

Widowed mother may have to drop her studies as the DWP seeks to claw back its overpayments

A PhD student has been told by Department for Work and Pensions (DWP) the she owes more than £17,000 in overpaid benefits because of mistakes it made when assessing her claim for universal credit.

Vikki Reid, who is in her mid-3os and widowed with an eight-year-old child, applied for the benefit when she started her research in 2019. She supplied full details of her course and the stipend she had been granted by the university, and had no reason to believe anything was wrong when she was told she was entitled to receive £1,316 a month. She lives in Cornwall where rents are high, so her application included help with her housing costs.

Two years later, however, she was told that she had been overpaid and presented with a bill for £17,233. Her universal credit entitlement was set to fall by 50% a month, and the sum she receives was to be cut further as the DWP started to claw back the cash it admits it paid her as a result of its own mistakes.

“The errors that were made were all on their side,” she says. “We will be below the poverty line. I don’t think I can justify the stress and emotional effort of doing the PhD if that is the case.”

Universal credit was introduced in 2013 and rolled out to replace a number of other payments, including income support and other in-work benefits. Currently payments include a £20 uplift that is set to end in the autumn .

The standard allowance for a single person aged over 25 is currently £411 a month, and there are extra payments of up to £282 a month each available for a family’s first two children. On top of this, there is a housing element available to help towards rent. Other income and savings are taken into account when a claim is made, and monthly payments can be adjusted as a result.

Reid’s PhD working on renewable energy at the University of Exeter brings with it a stipend to cover expenses from the Engineering and Physical Sciences Research Council, which, based on her hours, is worth £11,500 a year. When her application for benefits was processed, the whole payment seems to have been disregarded.

No one noticed until, last autumn, Reid notified the DWP that she was dropping her hours because she could not get enough childcare to work as normal. This prompted a review of her claim and a letter saying that between January and December last year she had been overpaid by just under £1,600.

At this point she was told that 30% of her stipend should have been taken into account, and that she owed several months’ overpayments of £145 a time.

With the help of her dad, Reid appealed against this. But there was worse to come. The new assessor decided that the second assessment was also incorrect. In a lengthy document explaining their decision, the assessor said “there appears to be a misunderstanding” and “your stipend is to be treated as a grant for UC purposes”. Under the rules, this means that the whole payment has to be counted, after tuition fees and a £110 a month allowance for books and travel.

Government website homepage screenshot For universal credit financial assistance

The assessor wrote: “I acknowledge that you did supply evidence with respect to your student income in an appropriate time but due to an administrative error, your student income was not calculated and included in your UC award.”

Reid is not alone in facing a bill for overpayments. Between July 2020 and the end of June this year, advisers at the charity Citizens Advice heard from more than 3,500 people who needed help with benefits overpayments. During the same period, there were more than 50,000 views of its website pages dedicated to the subject.

Unlike with previous benefits, the DWP can recover overpaid universal credit even if it is to blame for the error, although Treasury guidelines do allow it to opt not to in exceptional circumstances. Recovery is done through cuts to monthly benefits payments, taking money directly from an employee’s wages, or a court order.

Citizens Advice says it has seen cases of universal credit overpayments where notification came completely out of the blue. In one instance, a single parent who was already in debt and using food vouchers was told they owed £500 but not why, and they struggled to contact the DWP.

Rachel Ingleby, a benefits expert at Citizens Advice, says in most cases, the DWP will try to recoup money for a universal credit overpayment via a deduction. “This means they’ll reduce the amount of benefits you’re paid each month until the debt is repaid,” she says.

“Of course, when deductions come out of the blue, that can make it really hard for people to manage their money.”

For Reid, who is not entitled to widowed parents’ benefit because her husband had not built up enough national insurance contributions before he died, the impact of the new decision is devastating.

She thinks her total monthly income will fall by 35% but, despite being told on 9 June that her entitlement would be reconsidered with a matter of urgency, she has not been told what she will get. “I’m still left in limbo, waiting to find out what will happen,” she says.

She is already struggling to find childcare, as Covid has limited her options, and has travel costs to face to complete her research. “I would cycle [to university],” she says, “but that would take longer and mean more childcare costs.

“I will definitely have to leave my PhD if my income is reduced to the basic universal credit entitlement for someone with one child. I am so devastated by this, I did absolutely nothing wrong, but me and my child will have to pay. We already pay the burden of being a widowed-parent family.”

After Guardian Money got in touch, DWP said it would look again at Reid’s situation.

A spokesperson said: “We have paused the repayment activity and are carrying out a further review of this claim. We are in contact with Ms Reid and will advise and support her through this process.”

The DWP says the overwhelming majority of benefits are paid correctly and on time, and that there are official errors in less than 1% of cases.

It says seeks to recover any overpayments without creating financial hardship, and that those who are struggling can contact its debt management unit. It says if the repayment rate it proposes is too high, a lower rate can be discussed.

Reid says she will continue with tribunal action to get the decision overturned, but she is relieved that her case is being looked at again.

“I don’t think any one person at universal credit or the DWP is out to cause poverty and inflict misery, but the policy doesn’t consider individuals, or treat us as people with lives,” she says. “The system is a poverty trap, and written into the law now is the fact the people who are poor enough to need benefits, have to pay when the DWP makes a mistake, however big or small.”

How does the DWP recoup money from benefits overpayments?

Citizens Advice can help if you have been hit with a bill for overpayments. Here is how the system works:

The DWP has discretion over how it recovers overpayments, and how much.

Overpayments of universal credit are often recovered via deductions to future universal credit payments.

The maximum amount that can be deducted is 25% of the universal credit standard allowance, DWP says.

Citizens Advice says, in practice, deductions tend to be taken at 30%, 25% or 15% of the standard allowance, with 30% normally the rate if a person is found guilty of an offence or has accepted a penalty in connection with the overpayment.

The DWP can reduce the amount of the debt it recovers each month if someone is experiencing financial hardship as a result. Citizens Advice says it can support people with this process.

Consumer affairs
Universal credit

What welfare benefits can I claim when my course ends?

If you are about to graduate, looking for a new job may be challenging for a while, so you need to know what your options are with respect to financial support and where you stand with bills and banking . In this article we address some key questions which may be concerning you:

I don’t have a full-time job; can I claim welfare benefits?
Are there any conditions around residence for claiming benefits?
What is the difference between Universal Credit and Job Seekers Allowance?
If I have savings does this affect my eligibility for benefits?
What if I am unable to work due to sickness or disability?
Can I still receive money and housing advice from King’s if I experience financial issues after I graduate?

Most full-time students don’t qualify for welfare benefits but once your course officially ends you may be eligible to apply for help with living and housing costs, if you don’t have sufficient income or savings to live on. You may have some concerns about claiming welfare benefits, but you shouldn’t feel bad about claiming Universal Credit or Job Seekers Allowance . As a graduate, these benefits are in place to help you transition from full-time study to work, even if you are living at home or have job lined up in a few weeks. This is an important safety net, which you should claim just in case anything changes. If you meet the eligibility criteria below you should claim from the day after your official course end date. Important to know:

It is essential that you apply on time, as backdating the claim is not always possible and it can take at least 5 weeks to process your application.
To claim out of work or low-income benefits, you will need to demonstrate that the UK (or Ireland, Channel Islands or Isle of Man) is your main home and you plan to stay.
You must also have the right to reside in the UK, so if you are not a UK national there may be restrictions on what you can claim or further evidence that you must provide.

You can claim universal credit if you're classed as ' habitually resident ' in the UK, Ireland, Channel Islands or Isle of Man . ‘Habitual residence’ means you're settled here for the foreseeable future and you would have been living in the UK for a minimum of the last 2 years.

Important to know: There are further criteria if you are returning to the UK to settle and have been temporarily overseas. We advise that you please seek advice on your personal situation. If you require a visa to live, work or study in the UK , the rules are complex You can usually claim Universal Credit if you have been granted Indefinite Leave to remain (ILR) , unless your ILR was granted because of a relative sponsoring you – 5 years must have passed or the sponsor has died. If you have limited leave to remain , and you are on a Student Visa (previously known as Tier 4) or as a dependant on a Tier 1 or Tier 2 you are likely to have a “no recourse to public funds” condition on your visa. This prohibits you from claiming most welfare benefits. However there are some benefits that are linked to national insurance contribution, and therefore not considered public funds, so if you have worked in the past you may qualify for them:

Bereavement benefits
Contribution-based Jobseeker’s Allowance (JSA) (or ‘new style’ JSA)*
NHS treatment - but you may have paid a fee for this when you applied to stay in the UK (this is called the ‘immigration health surcharge’)
State-funded schools
State Pension
Statutory maternity pay

You can check what’s included in public funds from the UK government website .

If you have worked and paid National Insurance (NI) contributions during the last 2 years it is best to claim contribution-based or the new style Job Seeker’s Allowance (JSA) (if you are in a Universal Credit area). This is because your savings, capital and partner’s income won’t affect your claim. It also doesn’t matter what country you are from because JSA is based on NI contributions and is not a public fund. This is paid for 6 months only but may be the support you need while you seek graduate work.

Important to know: You can also claim contribution based JSA up to 3 months before you need it, but the Department for Work & Pensions (DWP) don’t always accept this. If you are not sure if you have paid enough NI contributions you can check this here - Check your National Insurance record . If you have not been working and are eligible to do so you can claim Universal Credit instead. If you are working but only receiving a low income, you may also qualify for help from Universal Credit but your savings will be taken into consideration, and as a public fund non-EEA nationals will not be able to claim it.

If you are applying for Universal Credit, and you or your partner have £16,000 or more in savings you will not be entitled to help from the benefit. If you have between £6,000 and £16,000 in savings, then a reduction is calculated based on the amount you have. Any savings under £6,000 are ignored. You can find out more from the Money Advice Service .

You may be entitled to additional payments or you could apply for supplementary benefits . Some of these are ‘ means-tested ’ but most are based on how your illness or disability affects you and the amount of support you need. Important to know: If you have a “no recourse to public funds” condition on your visa then you are not permitted to apply, but we advise that you seek advice on your rights and any other options available to you.

The Money & Housing Advice team at King’s College London are happy to provide advice and information for up to 4 months after you complete your studies, but we may not be able to act on your behalf. If you do need an advocate, we can signpost you to relevant services.

Student income and Universal Credit

How your universal credit may be affected if you have student income.

If you and/or your partner are in advanced education you must report all the student income you get, including:

student loans
student grants
bursary or scholarship from a college or university
NHS bursary
social work bursary
teacher training bursary
payments from a charity or trust
payments from access funds (for example, Access to Learning)

Student loans

The maximum student loan available to you will be taken fully into account. This applies even if you have:

not applied
not accepted the loan
chosen not to take the full amount
received a reduced loan because someone has to contribute to your living costs, for example your parent or guardian or your partner

People with student loans can also get grants. You may get a grant if you have extra expenses, for example because you are a lone parent or a disabled person. These grants will be disregarded unless:

they are paid to cover rent and your Universal Credit includes the Housing element for this property
you are part of a joint claim and the grant is to help with the day to day living expenses of a partner (for example, the Adult Dependant's Grant)

Student grants, bursaries, scholarships, studentships, exhibition allowances or any other maintenance awards

Student grants for your day to day living expenses (maintenance grants) are taken fully into account.

Extra grants for the following are disregarded:

tuition or examination fees
expenses paid for a disability
extra costs due to term-time residential study away from your college or university
housing costs for a home other than where you live whilst attending your course (unless you are already getting the Housing Costs Element for this property)
living expenses for another person, but only if you're not getting Universal Credit for that person (including the Adult Dependant's Grant)
expenses for books and equipment (including the Parent's Learning Allowance)
travel expenses for attending the course
childcare costs (including the Childcare Grant)

Access Funds

These are urgent payments for help with domestic and other emergencies, for example if you need to repair essential household equipment. These payments will be disregarded unless they are for day to day living expenses.

How your student income affects Universal Credit

Your student income is taken into account in each Universal Credit assessment period in which you are required to attend your course:

starting with the assessment period in which you start the course or the academic year
ending with the assessment period in which your course finishes or the summer vacation starts
excluding any assessment period that falls wholly within the summer vacation

A set amount will be disregarded in each assessment period to cover expenses.

If your course is shorter than a full academic year, your student income will be taken into account during the actual number of complete months that the course lasts.

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Believe Housing Limited
Bellsmyre Housing Association Ltd
Benenden Almshouse Charities
Ben-Motor & Allied Trades Benevolent Fund
Bernicia Group
Berwickshire Housing Association
Bespoke Supportive Tenancies Limited
Bethany Home
Bethel Housing Association Limited
Bexley Community Housing Association Limited
Bexley United Charities
Beyond Housing Limited
Bield Housing & Care
Billericay Community Housing Association Limited
Birchfield House Co-operative Limited
Birkenhead Forum Housing Association Limited
Birmingham City Council
Birmingham Civic Housing Association Limited
Birmingham Jewish Housing Association Limited
Birnbeck Housing Association Limited
Black Country Housing Group Limited
Blackburn YMCA
Blackpool Borough Council
Blairtummock Housing Association Ltd
Blenheim Housing Co-operative Limited
Blue Pits Housing Action
Blue Square Residential Ltd
Blue Triangle (Glasgow) Housing Association Ltd
Blyth Cottages
Bocking United Charities
Bolsover District Council
Bolton at Home Limited
Bomarsund Housing Co-operative Limited
Bonham and Strathleven Tenants Co-operative Ltd
Boorman’s Almshouses
Bordesley Green Housing Co-operative Limited
Boscombe Rotary and Inner Wheel Housing Association Limited
Boughey Roddam Housing Association
Bournemouth Churches Housing Association Limited
Bournemouth Young Men’s Christian Association
Bournemouth, Christchurch and Poole Council
Bournville Village Trust
Bournville Works Housing Society Limited
Bow Housing Society Limited
bpha Limited
Bradford Cyrenians Limited
Brandon Aged Persons Homes
Brandon Poor’s Estate
Brandrams Housing Co-operative Limited
Braughing Housing Association Limited
Breedon Housing Co-operative Limited
Brent Community Housing Limited
Brentwood Borough Council
Brentwood Housing Trust Limited
Bridge Care Limited
Bridge-It Housing UK Team Ltd
Bridgewater Housing Association Ltd
Bridgwater YMCA
Brighter Futures Housing Association Limited
Brighton and Hove Almshouse Charity
Brighton and Hove City Council
Brighton and Hove Jewish Housing Association Limited
Brighton Buildings Housing Co-operative Limited
Brighton Housing Trust
Brighton Lions Housing Society Limited
Brighton YMCA
Bristol and Anchor Almshouse Charity
Bristol City Council
Bristol CLT Limited
Bristowe (Fair Rent) Housing Association Limited
Brixton Housing Co-operative Limited
Broadacres Housing Association Limited
Broadening Choices for Older People
Broadland Housing Association Limited
Broadway Living RP Limited
Brockley Tenants Co-operative Limited
Bromford Home Ownership Limited
Bromford Housing Association Limited
Bromford Housing Group Limited
Bromley and Sheppard’s Colleges Charity
Bromsgrove District Housing Trust Limited
Bromsgrove United Charities
Brownlow Hill Housing Co-operative Limited
Broxtowe Borough Council
Brunts Charity
Buckinghamshire Housing Association Limited
Bucklehaven Charity
Bury Metropolitan Borough Council
Butlin and Elborow Housing Trust
Butterfield Homes (Cottingley)
Butterfield Homes (Wilsden)
Byker Community Trust Limited
C of E Soldiers, Sailors & Airmens H.A Ltd
Cadder Housing Association
Cairn Housing Association
Calder Valley Community Land Trust Limited
Caledonia Housing Association Ltd
Calico Homes Limited
Calvay Housing Association
Calverton Almshouses Charity
Camberwell Housing Society
Cambridge City Council
Canning Housing Co-operative Limited
Cannock Chase District Council
Canterbury City Council
Care Housing Association Limited
Caritas Anchor House
Cassiltoun Housing Association Ltd
Castle Housing Limited
Castle Point Borough Council
Castle Rock Edinvar Housing Association
Castlehill Housing Association Ltd
Castles & Coasts Housing Association Limited
Catalyst Housing Limited
Cathcart & District Housing Association
Cathedral Mansions Housing Co-operative Limited
Cedarmore Housing Association Limited
Central and Cecil Housing Trust
Central Bedfordshire Council
Centrepoint
Cernach Housing Association Ltd
Changing Lives Housing Trust
Charity of Alice Dale
Charity of Annie Kew
Charity of Elizabeth Owen, Llanfair
Charity Of Elizabeth Wadsworth
Charity of Emma Rice & W.E.J. Knight
Charity of George Jones
Charity of Jonathan & Rebecca Edwards
Charity of Julia Spicer for Almshouses
Charity of Marjorie Hurst
Charity of Mrs Catherine Walker
Charity of Sarah Jane Wood & Mary A Garnett
Charity of William Brereton for the Poor
Charles Edward Sugden’s Almshouses
Charlton Triangle Homes Limited
Charnwood Borough Council
Chartford Housing Limited
Chelmer Housing Partnership Limited
Chelmsford City Council
Cheltenham Borough Council
Cheltenham Borough Homes Limited
Cheltenham Young Men’s Christian Association
Cherry Hinton Almshouse Charity
Cherryfield Housing Co-operative Limited
Cherwell District Council
Cheshire Peaks & Plains Housing Trust Limited
Cheshire West and Chester Council
Chesterfield Borough Council
Chesterfield Churches Housing Association Limited
Chichester Greyfriars Housing Association Limited
Chippenham Housing Co-operative Limited
Chisel Limited
Chislehurst and Sidcup Housing Association
Chiswick Parochial Charities
Choices Housing Association Limited
Chorley Community Housing Limited
Chorley Council
Chorus Homes Group Limited
Chorus Homes Limited
Christian Action (Enfield) Housing Association Limited
Chrysalis Supported Association Limited
Chubb, Whetstone and Napper’s Almshouses
Church Almshouses Charity
Churches Housing Assocation of Dudley and District Limited
Cirencester Housing Limited
Citizen Housing Group Limited
City of Bradford Metropolitan District Council
City of Exeter YMCA
City of Lincoln Council
City Of Liverpool YMCA (Incorporated)
City of London Corporation
City of Wells Almshouses
City of Westminster Council
City of York Council
City YMCA, London
Clarion Housing Association Limited
Clarion Housing Group Limited
Claverdon Benefice Housing Association Limited
Clifton Parish Houses
Clissold Housing Co-operative Limited
Cloch Housing Association
Clyde Valley Housing Association
Clyde Valley Property Services
Clydebank Housing Association Ltd
Clydesdale Housing Association
Coastline Housing Limited
Cobalt Housing Limited
Coin Street Secondary Housing Co-operative Limited
Colchester Borough Council
Collins Memorial Trust
Colne Housing Society Limited
Colonel Slater Homes
Colton’s Hospital
Commonplace Housing Co-operative Limited
Community Gateway Association Limited
Concept Housing Association CIC
Condlyffe Charity
Connect Housing Association Limited
Connexus Housing Limited
Connexus Housing One Limited
Connexus Housing Three Limited
Connexus Housing Two Limited
Contour Homes Limited
Convent Co-operative Limited
Cooke Almshouse Charity
Cooke’s Almshouse Charity
Co-op Homes (South) Limited
Co-op Schemes For The Elderly Ltd
Cooper and Adkinson Almshouse Charity
Co-operative Development Society Limited
Copland Almshouse Charity
Copperworks Housing Association
Corby Borough Council
Cordale Housing Association
Corn and Yates Streets Housing Co-operative Ltd
Cornerstone Housing Limited
Cornfield Housing Society Limited
Cornwall CLT Limited
Cornwall Council
Cornwall Housing Limited
Cornwall Rural Housing Association Limited
Corton House Limited
Cossington Housing Co-operative Limited
Cotman Housing Association Limited
Cottsway Housing Association Limited
Council of the Isles of Scilly
Countess of Derby’s Almshouse
County Durham Housing Group Limited
Coventry & Warwickshire YMCA
Coventry Church (Municipal) Charities
Craigdale Housing Association
Craven District Council
Crawley Borough Council
Craymill Housing Co-operative Limited
Creative Support Limited
Crewe YMCA Limited
Croft Housing Association Limited
Cromwood Housing Ltd
Crosby Housing Association Limited
Cross Keys Homes Limited
Cross Lances Housing Co-operative Limited
Croydon Churches Housing Association Limited
Crystal Palace Housing Association Limited
Cube Housing Association
Cunninghame Housing Association Ltd
Curo Group (Albion) Limited
Curo Places Limited
CWL Housing
Cyron Housing Co-operative Limited
Dacorum Borough Council
Dale & Valley Homes Limited
Dalmuir Park Housing Association
Dame Bertha Lopes Almshouses
Danby Almshouse Charity
Darent Housing Co-operative Limited
Darlington Borough Council
Darlington Housing Association Limited
Dartford Almshouse Charity
Dartford Borough Council
Daventry District Council
David Henry Waring Home
Dawley Housing Co-operative Limited
Dawson Housing Ltd
Day’s & Atkinson’s Almshouse Charity
Delce Manor Housing Co-operative Limited
Dennetts Housing Co-operative Limited
Depaul Housing Services
Deptford Housing Co-operative Limited
Derby City Council
Derby Homes Limited
Derbyshire Dales District Council
Derventio Housing Trust CIC
Derwent Community Housing Association Limited
Derwent Housing Association Limited
Dholak Partnership Homes Limited
Dimensions (UK) Limited
Dingle Residents Co-operative Limited
District Homes CIC
Dolphin Living Limited
Doncaster Metropolitan Borough Council
Doncaster Young Men’s Christian Association
Dorking Charity
Dormer’s Hospital Charity
Dorset Council
Dovepark Properties Limited
Dover District Council
Drayton Parochial Charities
Drum Housing Association Limited
Drumchapel Housing Co-operative Limited
Dudley Metropolitan Borough Council
Dumfries and Galloway Housing Partnership
Dunbritton Housing Association Ltd
Dunedin Canmore Housing Ltd
Dunk’s Almshouse Charity
Durham Action on Single Housing Limited
Durham Aged Mineworkers’ Homes Association
Durham City Homes Limited
Durham County Council
E W King Memorial Homes
Earle’s Retreat
Earsdon, Newburn and Shilbottle Almshouse Charity
East Boro Housing Trust Limited
East Devon District Council
East Durham Homes Limited
East End Homes Limited
East Hertfordshire District Council
East Kilbride Housing Association
East Lothian Housing Association
East Midlands Housing Group Limited
East Riding Of Yorkshire Council
East Suffolk Council
Eastbourne Borough Council
Easthall Park Housing Co-operative Ltd
Eastlight Community Homes Limited
Easy Housing Association Ltd
Ebony Sistren Housing Association Limited
Ecco Housing Association Limited
Eden Housing Association Limited
Edward Henry House Co-operative Limited
Edward Mayes Trust
Eildon Housing Association Ltd
Ekarro Housing Co-operative Limited
Ekaya Housing Association Limited
Elderpark Housing Association Ltd
Eldon Housing Association Limited
Eldonian Community Based Housing Association Ltd
Eleanor Palmer Trust
Elim Housing Association Limited
Elizabeth Dowell’s Trust
Elizabeth Huggins Cottages Charity
Elles Housing Co-operative Limited
Elm Trees Retirement Living Limited
EMH Housing and Regeneration Limited
Emily Bentley Homes
Emily Brydges Willyams Memorial Houses
Empower Housing Association Limited
Empowering People Inspiring Communities Limited
Encircle Housing
English Rural Housing Association Limited
Epping Forest District Council
Epsom and Ewell Housing Association Limited
Equity Housing Group Limited
Estuary Housing Association Limited
Eustace Hook and Drummond Memorial Almshouses
Eventide & Watts Charity
Everbrook Housing Co-operative Limited
Evolve Housing + Support
Ewart Road Housing Co-operative Limited
Excel Housing Solutions
Exeter City Council
Exeter Homes Trust
Expectations (UK)
Faifley Housing Association
Fairfield Housing Association
Fairfield Moravian Housing Association Limited
Fairhazel Co-operative Limited
Fairoak Housing Association
Fairplace Homes Ltd
Falcon Housing Association C.I.C
Falcon Rural Housing Limited
Falconar Street Housing Co-operative Limited
Family Housing Association (Birkenhead and Wirral) Limited
Family Housing Association (Birmingham) Limited
Fareham Borough Council
Farmer and Lemmoin-Cannon Charity
Feldon Housing Limited
Fence Trust
Ferguslie Park Housing Association
Fife Housing Group
Finsbury Park Housing Co-operative Limited
First Affordable Limited
First Choice Homes Oldham Limited
First Garden Cities Homes Limited
First Priority Housing Association Limited
First Wave Housing Limited
Fitzgerald Charity
Five Villages Home Association Limited
Flagship Housing Group Limited
Folkestone and Hythe District Council
Ford Street and Maynard Almshouse Charity
Forest Housing Association Limited
Forgewood Housing Co-operative
ForHousing Limited
Forth Housing Association Ltd
Fotherby Almshouse Charities
Fountain Housing Association Limited
Framework Housing Association
Frank Crossley’s Almshouses
Franklands Village Housing Association Limited
Franklyn Housing Co-operative Limited
Freebridge Community Housing Limited
Freeston and Sagar’s Almshouses
French Weir Affordable Homes LLP
Friendship Care and Housing Limited
Frontis Homes Limited
Funding Affordable Homes Housing Association Limited
Futures Homescape Limited
Futures Homeway Limited
Futures Housing Group Limited
Fyne Homes Ltd
Gardeen Housing Association Ltd
Garrion People's Housing Co-Operative
Gateshead Metropolitan Borough Council
Gateway Housing Association Limited
Gemini Housing Co-operative Limited
Gentoo Group Limited
George Green’s Almshouses
George Newton Housing Trust
German Lutheran Housing Association Limited
Giffard Park Housing Co-operative Limited
Glasgow Housing Association
Glasgow West Housing Association
Glebe Housing Association Limited
Glen Housing Association
Glen Oaks Housing Association Ltd
Glenkerry Co-operative Housing Association Limited
Gloucester City Council
Gloucester City Homes Limited
Gloucestershire Rural Housing Association Limited
Glover’s Trust Endowed Fund
Golden Hill Housing Co-operative Limited
Golden Lane Housing Ltd
Golding Homes Limited
Goodwin Development Trust
Gosport Borough Council
Grafton Crescent Housing Co-operative Limited
Grainger Trust Limited
Grampian Housing Association Ltd
Granby House (Youlgrave and District) Society Ltd
Grand Feoffment Charity
Grand Union Housing Co-operative Limited
Grand Union Housing Group Limited
Grantham’s Almshouses
Gravesend Churches Housing Association Limited
Gravesham Borough Council
Great Hospital
Great Places Housing Association
Great Places Housing Group Limited
Great Wall Society Limited
Great Yarmouth Borough Council
Greatwell Homes Limited
Green Dragon Lane Housing Co-operative Limited
Green Park Property Management Limited
Greenoak Housing Association Limited
GreenSquare Community Housing
GreenSquare Group Limited
Greenwich Housing Society Limited
Grimsby,Cleethorpes and Humber Region Y.M.C.A.
Guildford Borough Council
Guildford Sunset Homes
Guinness Care and Support Limited
Guinness Housing Association Limited
Habinteg Housing Association Limited
Hackney Housing Co-operative Limited
Hackney Parish Almshouses Charity
Halo Housing Association Limited
Halton Housing
Hamelin Trust Services Limited
Hamlet Village Housing Co-operative Limited
Hammersmith United Charities
Hamwic Housing Co-operative Limited
Hanover (Scotland) Housing Association Ltd
Harbour Light Assisted Living CIC
HARC Housing Association Limited
Harefield Parochial Charities
Haringey London Borough Council
Harlow District Council
Harlow Poors Charities
Harman Atwood For Almshouses and Curates House
Harpers Marsh and Crumps Almshouse Charity
Harrison & Potter Trust
Harrison Housing
Harrogate Borough Council
Harrogate Flower Fund Homes Limited
Harrogate Housing Association Limited
Harrogate Neighbours Housing Association Limited
Harrow Churches Housing Association
Hartlepool Borough Council
Hassocks Housing Society Limited
Hastings Borough Council
Hastoe Housing Association Limited
Hatch Row Housing Co-operative Limited
Hatton Housing Trust Limited
Havant Housing Association Limited
Hawes Street Housing Limited
Hazel Housing Co-operative Limited
Heart Of England Housing Association Limited
Heart of England Young Men’s Christian Association
Heart of Medway Housing Association Ltd
Heartsease House Community Interest Company
Heathview Tenants’ Co-operative Limited
Hebridean Housing Partnership
Helen Peele Memorial Almshouses
Helena Partnerships Limited
Hellens Residential Limited
Hendon Christian Housing Association Limited
Henley and District Housing Trust Limited
Henley YMCA
Henry Boys Almshouses
Herefordshire Council
Herring House Trust (Great Yarmouth)
Hesketh Street Housing Co-operative Limited
Hewitt Homes
Hexagon Housing Association Limited
Heyford Regeneration Limited
Heylo Housing Registered Provider Limited
HFL Homes Limited
Hibbert Almshouse Charity
Hibiscus Housing Association Limited
High Peak Borough Council
Highstone Housing Association Limited
Hightown Housing Association Limited
Hillcrest Enterprises
Hillcrest Homes
Hilldale Housing Association Limited
Hillhead Housing Association
Hillside Housing Trust Limited
Hinckley and Bosworth Borough Council
Hirst Housing Co-operative Limited
Hjaltland Housing Association Ltd
Holmwood Tenants Co-operative Limited
Holt Road Area Housing Co-operative Limited
Holtspur Housing Association Limited
Holy Trinity (Guildford) Housing Association Ltd
Holyland Housing Co-Operative Limited
Home from Home Housing Association Limited
Home Group Limited
Home Group Scotland
Homeless Action Resource Project
Homes for Change Limited
Homes for Life Housing Partnership Limited
Homes for Wells Limited
Homesdale (Woodford Baptist Homes) Limited
Honeycomb Group Limited
Hopton’s Charity
Horizon Housing Association
Horniman Housing Association Limited
Hornsey (North London) YMCA Housing Society Ltd
Hornsey Housing Trust Limited
Hospital of St Mary The Virgin (Rye Hill & Benwell)
Hour Glass Housing Co-operative Limited
Housing For Women
Housing Pathways Trust
Housing Solutions
Howard Cottage Housing Association
Hull and East Yorkshire Mind
Hull Churches Housing Association Limited
Hull House Improvement Society Limited
Hull Resettlement Project Limited
Hull United Charities
Humankind Charity
Humphrey Booth Housing Charity
Hundred Houses Society Limited
Hunslet Housing Co-operative Limited
Hunters Hall Housing Co-operative Ltd
Hunton Bridge Cottage Trust
Hyde Housing Association Limited
Hyde Southbank Homes Limited
IKE Supported Housing Limited
Imani Housing Co-operative Limited
Impact Housing Association Limited
Inclusion Housing Community Interest Company
Incommunities Group Limited
Incommunities Limited
Innisfree Housing Association Limited
Inquilab Housing Association Limited
Ipswich Borough Council
Iroko Housing Co-operative Limited
Irvine Housing Association
Irwell Valley Housing Association Limited
Isis Housing Co-operative Limited
Island Cottages Limited
Isleworth and Hounslow Charity Limited
Islington and Shoreditch Housing Association Limited
Islington Community Housing Co-operative Limited
J & M Residential Lettings Limited
Jacob Wright’s Cottages
James Bradford Almshouses Trust
Jane Cameron’s Old Peoples Charity
Jane Gibson Almshouses
Jewish Community Housing Association Limited
Jigsaw Homes Group Limited
Jigsaw Homes Midlands
Joel Emanuel Trust
John Bowley and Sherwood Almshouses
John Higgs Almshouses
John Horne Homes
John Pease Cottages
Joseph and Eleanor Gunson Almshouse Trust
Joseph Chariott’s Charity
Joseph Crossley’s Almshouses
Joseph Rowntree Housing Trust
Julian House
Kaleidoscope (Kingston) Housing Association Limited
Karbon Homes Limited
Karin Housing Association Limited
Keelman Homes Limited
Kendal Almshouse Charity
Kendoon Housing Association Ltd
Keniston Housing Association Limited
Kentish Homes Limited
Keswick Community Housing Trust
Kettering Borough Council
Key Housing Association Ltd
Keystage Properties Limited
Keyworkers Housing Association Limited
Kilburn Housing Co-operative Limited
King George V Memorial Houses
King’s Barton Housing Association Limited
Kingdom Housing Association Ltd
Kingsclere Almshouses Charity
Kingsridge Cleddans Housing Association
Kingston upon Hull City Council
Kingston upon Thames Churches Housing Association Limited
Kinsman Housing Limited
Kirkdale Housing Co-operative Limited
Kirklees Housing Association Limited
Kirklees Metropolitan Borough Council
Knowes Housing Association Ltd
Knowsley Residents Housing Co-operative Limited
Kurdish Housing Association
Lace Housing Limited
Lady Lumley’s Almshouses
Ladybur Housing Co-operative Limited
Lambeth & Southwark Housing Association Limited
Lambeth Self Help Housing Association Limited
Lammerton Housing Co-operative Limited
Lanarkshire Housing Association
Lancaster City Council
Langley House Trust
Langrove Community Housing Co-operative Limited
Langstane Housing Association Ltd
Larch Housing Association Limited
Larcombe Housing Association Limited
Lark Lane Housing Co-operative Limited
Larkfield Housing Association Ltd
Lawrence Campe’s Almshouse Trust
Leasowe Community Homes Limited
Leazes Homes Limited
Leeds and Yorkshire Housing Association Limited
Leeds City Council
Leeds Federated Housing Association Limited
Leeds Jewish Housing Association Limited
Legal & General Affordable Homes Limited
Leicester City Council
Leicester Young Men’s Christian Association (Incorporated) (The)
Lench’s Trust
Leta/Claudia Streets Housing Co-operative Limited
Lets for Life
Lewes District Council
Lewisham Family Co-operative Association Limited
Leytonstone Housing Co-operative Limited
Lightbown Cottage Home Trust
Lincolnshire Employment Accommodation Project Limited
Lincolnshire Housing Partnership Limited
Lincolnshire Rural Housing Association Limited
Lincolnshire Y.M.C.A. Ltd
Linden First Limited
Lindsey Housing Co-operative Limited
Link Group Ltd
Linstone Housing Association
Linthouse Housing Association Ltd
Lister Housing Co-operative Ltd
Littlehampton & Rustington Housing Society Limited
Liverpool City Council
Liverpool Gingerbread Housing Co-operative Limited
Liverpool Jewish Housing Association Limited
LiveWest Homes Limited
Livin Housing Limited
Livv Housing Group
Local Space
Lochaber Housing Association
Lochalsh & Skye Housing Association
Lochfield Park Housing Association Ltd
Locking Deanery Housing Society Limited
Loddon Homes Limited
Lodge Lane East Co-operative Housing Limited
London & Quadrant Housing Trust
London Borough of Barking and Dagenham
London Borough of Barnet
London Borough of Bexley
London Borough of Brent
London Borough of Bromley
London Borough of Camden Council
London Borough of Croydon
London Borough of Ealing
London Borough of Enfield
London Borough of Greenwich
London Borough of Hackney
London Borough of Hammersmith and Fulham
London Borough of Harrow
London Borough of Havering Council
London Borough of Hillingdon
London Borough of Hounslow
London Borough of Islington
London Borough of Lambeth
London Borough of Lewisham
London Borough of Merton
London Borough of Newham
London Borough of Redbridge
London Borough of Sutton
London Borough of Tower Hamlets
London Borough of Waltham Forest
London Borough of Wandsworth
London Cyrenians Housing Limited
Longdendale Housing Society Limited
Longhurst & Havelok Homes Limited
Longhurst Group Limited
Longlife Housing Co-operative Limited
Look Ahead Care and Support Limited
Lord Mayor of Portsmouth’s Coronation Homes Ltd.
Loreburn Housing Association
Loretto Housing Association Ltd
Louisa Cottages Charity
Lumen Housing Limited
Lune Valley Rural Housing Association Limited
Luton Borough Council
Luton Community Housing Limited
Lyng Community Association
Lynsted Housing Co-operative Limited
Lyvennet Community Trust
M&G UK Shared Ownership Limited
Magenta Living
Magna Housing Limited
Maidstone Borough Council
Major Housing Association Limited
Maldon Housing Association Limited
Malins Affordable Homes Limited
Manchester City Council
Manchester Jewish Housing Association
Manchester Unity Housing Association Limited
Manningham Housing Association Limited
Manor Estates Housing Association
Mansfield District Council
Mansfield Road (Nottingham) Baptist Housing Association Limited
Margaret Colquhoun Chavasse Almshouses
Margaret Hyde Charity
Marlborough & District Housing Association Limited
Marsden Memorial Homes
Marshfield Consolidated Charities
Martlet Homes Limited
Mary Hannah Almshouses
Mary Hatch Almshouses with Diamond Jubilee Cottages
Maryhill Housing Association Ltd
Masonic Housing Association
May Day Permanent Housing Co-operative Limited
Maynard Co-operative Housing Association Limited
Medway Council
Melton Borough Council
Melville Housing Association Ltd
Mercy House of William Fry
Merlin Housing Society Limited
Mersea Island Trust
Methodist Homes Housing Association Limited
Metropolitan Benefit Societies’ Almshouses
Metropolitan Housing Trust Limited
Mid Devon District Council
Mid Suffolk District Council
Middlesbrough Council
Midland Heart Limited
Mill Street Co-operative Limited
Millat Asian Housing Association Limited
Milldale Housing Co-operative Limited
Miller Walk Housing Co-operative Limited
Milton Keynes Council
Milton Keynes YMCA Limited
Minster Housing Co-operative Limited
Mitre Housing Association Limited
Moat Farm Housing Co-operative Limited
Moat Homes Limited
Moat Housing Group Limited
Mole Valley District Council
Molendinar Park Housing Association
Monmouth Road Housing Co-operative Limited
Mortlake Almshouse Charities
Mossbank Homes Limited
Mosscare St. Vincent’s Housing Group Limited
Mount Green Housing Association Limited
Mrs H Frances Le Personne Benevolent Trust
MTD Housing Limited
Muir Group Housing Association Limited
MuirCroft Housing Association Limited
Muirhouse Housing Association Ltd
Mulberry Housing Co-operative Limited
Municipal & Owen Carter Almshouse Charities
Municipal Charities
My Space Housing Solutions
National Council of Young Men’s Christian Associations (Incorporated)
Nehemiah United Churches Housing Association Limited
Network Homes Limited
New Charter Homes Limited
New Forest District Council
New Forest Villages Housing Association Limited
New Foundations Housing Association Limited
New Longsight Housing Co-operative Limited
New Moves Housing Co-operative Limited
New Outlook Housing Association Limited
New Roots Limited
New Swift Housing Co-operative Limited
New Venture Housing Co-operative Limited
New Walk Property Management CIC
New World Housing Association Limited
Newark and Sherwood District Council
Newark Emmaus Trust
Newark Housing Association Limited
Newcastle City Council
Newleaf Housing Co-operative Limited
Newlon Housing Trust
Nicholas Chamberlaine’s Hospital & Sermon Charity
North Camden Housing Co-operative Limited
North Devon Homes
North East Derbyshire District Council
North Eastern YWCA Trustees Limited
North Kesteven District Council
North London Muslim Housing Association Limited
North Norfolk District Council
North Somerset Council
North Star Housing Group
North Tyneside Council
North View Housing Association Ltd
North Warwickshire Borough Council
North West Leicestershire District Council
Northampton Borough Council
Northamptonshire Rural Housing Association Limited
Northborough Housing Co-operative Limited
Northchapel, Petworth and Tillington Almshouses
Norton Housing and Support Ltd
Norwich City Council
Norwich Consolidated Charities
Norwich Housing Society Limited
Notting Dale Housing Co-operative Limited
Notting Hill Home Ownership Limited
Nottingham City Council
Nottingham City Homes Registered Provider Limited
Nottingham Community (Second) Housing Association Limited
Nottingham Community Housing Association Limited
Nottinghamshire YMCA
NSAH (Alliance Homes) Limited
NSHG 2020 Limited
Nuneaton And Bedworth Borough Council
Oadby and Wigston Borough Council
Oak Housing Limited
Oak Tree Housing Association Ltd
Oakapple Housing Co-operative Limited
Oast Wood Housing Co-operative Limited
Ocean Housing Group Limited
Ocean Housing Limited
Ochil View Housing Association Ltd
Ockley Housing Association Limited
Octavia Housing
Odu-Dua Housing Association Limited
Old Ben Homes Limited
Old Cleeve Memorial Cottages
Old Etonian Housing Association Limited
Old Farm Park Housing Co-operative Limited
Old Isleworth Housing Co-operative Limited
Oldham Metropolitan Borough Council
Omega Housing Limited
One Housing Group Limited
One Manchester Limited
One Vision Housing Limited
Ongo Homes Limited
Onward Group Limited
Onward Homes Limited
Optima Community Association
Orbit Group Limited
Orbit South Housing Association Limited
Orchard & Shipman Homes Limited
Orchard Homes
Orchard Housing Society Limited
Ore Valley Housing Association
Oriel Housing Limited
Origin Housing 2 Limited
Origin Housing Limited
Orkney Housing Association Ltd
Orts Road Housing Co-operative Limited
Orwell Housing Association Limited
Osprey Housing
Osprey Housing - Moray
Otto Schiff Housing Association
Outreach Housing Limited
Oxfield Housing Co-operative Association Limited
Oxford City Council
P3 Housing Limited
Paddock Housing Co-operative Limited
Padley Housing Association Limited
Paisley Housing Association
Palm Housing Co-operative Limited
Pan African Refugee Housing Co-operative Limited
Paradigm Homes Charitable Housing Association Limited
Paradigm Housing Group Limited
Paradise Housing Co-operative Limited
Paragon Asra Housing Limited
Paragon Housing Association Ltd
Parasol Homes Limited
Park Hill Housing Co-operative Limited
Park Properties Housing Association Ltd
Parkhead Housing Association Ltd
Parkway Green Housing Trust
Parson Latham’s Hospital In Barnwell
Partners Foundation Limited
Passage Housing Services
Peabody Developments Limited
Peabody South East Limited
Peabody Trust
Peace Cottages Charity
Peacehaven and Telscombe Housing Association Ltd
Peak District Rural Housing Association Limited
Peal Community Housing Limited
Pearman Street Co-operative Limited
Pearson’s & St Elizabeth’s Cottage Homes
Peel Street Housing Co-operative Limited
Penge Churches Housing Association Limited
Penn and Widow Smith Almshouses
Pentland Housing Association Ltd
People First Housing Association Limited
Perry Almshouses
Perryviews Housing Co-operative Limited
Peter Bedford Housing Association Limited
Peter Birtwistle Trust
Peterborough City Council
PHA Homes Ltd
Phoenix Community Housing Association (Bellingham and Downham) Limited
Phoenix Community Housing Co-operative Limited
Phoenix House
Pickering and Ferens Homes
Pierhead Housing Association Limited
Pine Court Housing Association Limited
Pine Ridge Housing Association Limited
Pine Tree Housing Co-operative Limited
Pineview Housing Association Ltd
Pinnacle Spaces Limited
Pinner House Society Limited
Pioneer Co-operative Housing (Redditch) Limited
Pivotal Housing Association
Places for People Group Limited
Places for People Homes Limited
Places for People Living+ Limited
Platform Housing Group Limited
Platform Housing Limited
Plexus UK (First Project) Limited
Plumlife Homes Limited
Plus Dane Housing Limited
Plymouth Charity Trust
Plymouth Community Homes Limited
Polish Citizens Committee Housing Association Ltd
Polish Retired Persons Housing Association Limited
Poole Old Peoples Welfare and Housing Society Limited
Poplar Housing And Regeneration Community Association Limited
Populo Homes
Port of Leith Housing Association Ltd
Portal Housing Association Limited
Porthove Housing Association Limited
Portman House
Portobello Housing Co-operative Limited
Portsmouth Churches Housing Association Limited
Portsmouth City Council
Portsmouth Rotary Housing Association Limited
Preferred Homes Limited
Prestwich & North Western Housing Association Limited
Prime Focus Regeneration Group Limited
Prince Albert Gardens Housing Co-operative Limited
Progress Housing Association Limited
Progress Housing Group Limited
Prospect Community Housing
Prospect Housing Limited
Provanhall Housing Association
Providence Row Housing Association
Purlin Housing Co-operative Limited
Puttenham & Wanborough Housing Society Limited
Quadrant-Brownswood Tenant Co-operative Limited
Queens Cross Housing Association
Quo Vadis Trust
Radcliffe Housing Society Limited
Railway Housing Association and Benefit Fund
Ramsey Welfare Charities
Rapport Housing and Care
Raven Housing Trust Limited
Ravenscroft Re-Build Co-operative Limited
Rayner House and Yew Trees Limited
RCVDA Community Housing C.I.C
Reading Borough Council
Reading YMCA
Red Devon Housing Limited
Red House Farm Housing Co-operative Limited
Red Kite Community Housing Limited
Redditch Borough Council
Redditch Co-operative 2000 Limited
Redditch Friends Housing Association Limited
Redwing Living Limited
Redwood Housing Co-operative Limited
Regenda Limited
Reidvale Housing Association
Reigate Quaker Housing Association Limited
Reliance Social Housing C.I.C
ReSI Homes Limited
ReSI Housing Limited
Reside Housing Association Limited
Resthaven Almshouses
Retail Trust
Retirement Lease Housing Association
Rex Housing Limited
Ribble Valley Borough Council
Richard Whitaker’s Almshouses
Richmond Avenue Housing Co-operative Limited
Richmond Co-operative Housing Association Limited
Richmond Housing Partnership Limited
Richmondshire District Council
Rickmansworth Churches Housing Association Limited
Ripon Municipal Charities
River Clyde Homes
Riverside Housing Co-operative (Redditch) Limited
Robert Hibbert’s Almshouse Charity
Roborough Community Property Association Limited
Rochdale Boroughwide Housing Limited
Rockdale Housing Association Limited
Rogate and Terwick Housing Association Limited
Roger’s Almshouses
Rooftop Housing Association Limited
Rooftop Housing Group Limited
Rosebery Housing Association Limited
Rosemary Simmons Memorial Housing Association Limited
Rosewood Housing Limited
Ross Walk Housing Co-operative Limited
Rossendale Borough Council
Rotary House For The Deaf Limited
Rother District Council
Rotherham Metropolitan Borough Council
Rotherhithe Waterside Limited
Rowland Hill and Vaughan Almshouse Charity
Royal Air Forces Association Housing Limited
Royal Borough of Kensington and Chelsea
Royal Borough of Kingston Upon Thames
Ruchazie Housing Association
Rugby Borough Council
Runnymede Borough Council
Rural Stirling Housing Association Ltd
Rusland Road Housing Co-operative Limited
Rutherglen & Cambuslang Housing Association
Ryedale District Council
Rykneld Homes Limited
Sackville College
Sadeh Lok Limited
Safer Places
Saffron Housing Trust Limited
Sage Housing Limited
Sage Rented Limited
Sage Shared Ownership Limited
Salford City Council
Salisbury City Almshouse and Welfare Charities
Salix Homes Limited
Salvation Army Housing Association
Sambourne Trust
Samuel Lewis Foundation
Sanctuary Affordable Housing Limited
Sanctuary Housing Association
Sanctuary Scotland Housing Association Ltd
Sandbach Almshouse Charity
Sandbourne Housing Association
Sandwell Homeless and Resettlement Project Limited
Sandwell Metropolitan Borough Council
Sapphire Independent Housing Limited
Saxon Weald
Scottish Borders Housing Association
Scottish Veterans Residences
Seagull Housing Co-operative Limited
Second Chance Housing Ltd
Sedgemoor District Council
Selby District Council
Selwood Housing Society Limited
Senacre Housing Co-operative Limited
Sensible Housing Co-operative Limited
Settle Group
Seven Dials Housing Co-operative Limited
Severn Almshouses Trust
Severnside Housing
Seymour Housing Co-operative Limited
Seymour Street Homes Limited
Shahjalal Housing Co-operative Limited
SHAL Housing Limited
Shanly Partnership Homes Limited
Shearwood Housing Co-operative Limited
Sheffield City Council
Shepherds Bush Housing Association Limited
Shepton Mallet United Charities
Sherborne Close Housing Society Limited
Sherburn House Charity
Shettleston Housing Association
Shian Housing Association Limited
Shire Housing Association
Shorefields Co-operative Limited
Shorncliffe Housing Co-operative Limited
Shrewsbury Drapers Company Charity
Shropshire Association for Supported Housing Limited
Shropshire Council
Shropshire Rural Housing Association Limited
Sidcot Friends Housing Society Limited
Silva Homes Limited
Sir E D Walker Homes
Sir Job Charlton’s Hospital Charity
Sir Josiah Mason’s Almshouse Charity
Sir Oswald Stoll Foundation
Sir Robert Coke’s Almshouses
Sir Robert Geffery’s Almshouse Trust
Sir William Turner’s Hospital
Siward James and Arkwright Trust Charity
Six Town Housing Limited
Sloswicke’s Almshouse Charity
Slough Borough Council
Small Heath Park Housing Co-operative Limited
Smart and Humble Homes
Soha Housing Limited
Soho Housing Association Limited
Solihull Care Housing Association Limited
Solihull Metropolitan Borough Council
Solo Housing (East Anglia) Limited
Solon South West Housing Association Limited
Somerset West and Taunton Council
Somewhere Co-operative Housing Association Limited
South Cambridgeshire District Council
South Camden Housing Co-operative Limited
South Cheshire Housing Society Limited
South Derbyshire District Council
South Devon Rural Housing Association Limited
South Hams District Council
South Holland District Council
South Kesteven District Council
South Lakeland District Council
South Lakes Housing
South Liverpool Homes Limited
South Mildmay Tenants Co-operative Limited
South Ribble Borough Council
South Road Housing Co-operative Limited
South Staffordshire Housing Association Limited
South Tyneside Council
South Tyneside Housing Ventures Trust Limited
South Western Housing Society Limited
South Yorkshire Housing Association Limited
Southampton City Council
Southdene Housing Co-operative Limited
Southdown Housing Association Limited
Southend on Sea Borough Council
Southend-on-Sea Young Men’s Christian Association
Southern Crescent Co-operative Limited
Southern Home Ownership Limited
Southern Housing Group Limited
Southlands Almshouse Charity
Southsea Self Help Housing Limited
Southside Housing Association
Southward Housing Co-operative Limited
Southwark Council
Southway Housing Trust (Manchester) Limited
Sovereign Housing Association Limited
Sovereign Living Limited
Spelthorne Borough Council
Spire Homes (LG) Limited
Spitalfields Housing Association Limited
Spotland and Falinge Housing Association Limited
Springboard Two Housing Association Limited
Springwood Housing Co-operative Limited
Square Building Trust Limited
St Albans City and District Council
St Andrew Housing Co-operative Limited
St Andrews Community Housing Association Ltd
St Anne’s Hostel
St Annes Community Services
St Christopher’s Fellowship
St George’s Church Housing Co-operative Limited
St Johns Homes
St Joseph’s Almshouses
St Leonards Hospital
St Luke’s Housing Society Limited
St Martin of Tours Housing Association Limited
St Mungo Community Housing Association
St Peter’s Saltley Housing Association Limited
St Richard of Chichester Christian Care Association Ltd
St. Arthur Homes Limited
Stafford & Rural Homes
Stanley & Brocklehurst Almshouses
Starley Housing Co-operative Limited
Stephen Hutchen’s Charity Trust
Sterling Housing Association Limited
Steve Biko Housing Association Limited
Stevenage Borough Council
Stevenage Haven
Stevens Almshouses Charity
Stewart’s and Budgen’s Almshouses
Stockport Homes Limited
Stockport Metropolitan Borough Council
Stoke on Trent & North Staffordshire YMCA Foyer
Stoke on Trent City Council
Stoke-on-Trent Housing Society Limited
Stonewater (2) Limited
Stonewater (3) Limited
Stonewater (4) Limited
Stonewater (5) Limited
Stonewater Limited
Stratford-on-Avon District Council
Stroud District Council
Stroud Green Housing Co-operative Limited
Sturts Community Trust
Summerhill Housing Co-operative (Newcastle) Ltd
Sunderland City Council
Sunderland Riverside Housing Co-operative Limited
Sunny Vale Supported Accommodation Ltd
Sunset Home Almshouses
Sussex Housing & Care
Sussex Overseas Housing Society Limited
Sustain (UK) Ltd
Sutton Bonington & Normanton Social Services Association Limited
Sutton Housing Society Limited
Sutton Turner Houses
Swan Housing Association Limited
Swan Lane Housing Co-operative Limited
Swift Homes Limited
Swindon Borough Council
Sybil Carthew Trust
Sydenham Housing Co-operative Limited
Synergy Housing Limited
Tally-Ho Housing Co-operative Limited
Tamar Housing Society Limited
Tamil Community Housing Association Limited
Tamworth Borough Council
Tamworth Cornerstone Housing Association Limited
Tandridge District Council
Tangram Housing Co-operative Limited
Target Housing Limited
Taunton Heritage Trust
TBG Open Door Limited
TCUK Homes Limited
Teachers’ Housing Association Limited
Teesdale Housing Association Limited
Teign Housing
Teignbridge District Council
Telford & Wrekin Council
Tendring District Council
Tewkesbury Almshouse Trust
Thame and District Housing Association Limited
Thames Ditton Homes Limited
Thames Valley Charitable Housing Association Limited
Thames Valley Housing Association Limited
Thanet District Council
The Abbeyfield (Berkhamsted & Hemel Hempstead) Society Limited
The Abbeyfield (Chelsea & Fulham) Society Limited
The Abbeyfield (Christ Church) Society Limited
The Abbeyfield (Colyton) Society Limited
The Abbeyfield (Darlington) Society Limited
The Abbeyfield (Lyme Regis & District) Society Ltd
The Abbeyfield (Maidenhead) Society Limited
The Abbeyfield (Norwich) Society Limited
The Abbeyfield (Oxford) Society Limited
The Abbeyfield (Ripon and District) Society Ltd
The Abbeyfield (Streatham) Society Limited
The Abbeyfield (Wells) Society Limited
The Abbeyfield (Weymouth) Society Limited
The Abbeyfield Alresford and District Society Ltd
The Abbeyfield Barrow-in- Furness Society Limited
The Abbeyfield Basildon Society Limited
The Abbeyfield Berwick Society Limited
The Abbeyfield Billericay Society Limited
The Abbeyfield Bishop’s Castle & District Society Limited
The Abbeyfield Blackmore Vale Society Limited
The Abbeyfield Bradford-on-Avon Society Limited
The Abbeyfield Buckland Monachorum Society Limited
The Abbeyfield Burnham and Highbridge Society Ltd
The Abbeyfield Burnley Society Limited
The Abbeyfield Bury Society Limited
The Abbeyfield Camborne Society Limited
The Abbeyfield Canvey Island Society Limited
The Abbeyfield Chalfonts Society Limited
The Abbeyfield Crowborough Society Limited
The Abbeyfield Deben Extra Care Society Limited
The Abbeyfield Deptford Society Limited
The Abbeyfield Dorcas Society Limited
The Abbeyfield Dulwich Society Limited
The Abbeyfield East London Extra Care Society Limited
The Abbeyfield Ellesmere Port Society Limited
The Abbeyfield Fareham Society Limited
The Abbeyfield Ferring Society Limited
The Abbeyfield Furness Extra Care Society Limited
The Abbeyfield Gerrards Cross Society Limited
The Abbeyfield Gloucestershire Society Limited
The Abbeyfield Great Missenden & District Society
The Abbeyfield Holsworthy Society Limited
The Abbeyfield Hoylake and West Kirby Society Ltd
The Abbeyfield Kings Langley Society Limited
The Abbeyfield Lancashire Extra Care Society Limited
The Abbeyfield Lancaster Society Limited
The Abbeyfield London Polish Society Limited
The Abbeyfield Loughborough Society Limited
The Abbeyfield Newcastle-upon-Tyne Society Ltd
The Abbeyfield North Downs Society Limited
The Abbeyfield Orwell Extra Care Society Limited
The Abbeyfield Oxenford Society Limited
The Abbeyfield Pirbright and District Society Ltd
The Abbeyfield Reading Society Limited
The Abbeyfield Ribble Valley Society Limited
The Abbeyfield Saltash Society Limited
The Abbeyfield Sanderstead Society Limited
The Abbeyfield Shanklin Society Limited
The Abbeyfield Sidmouth Society Limited
The Abbeyfield Society
The Abbeyfield Sodbury Vale Society Limited
The Abbeyfield South Molton Society Limited
The Abbeyfield South West Society Limited
The Abbeyfield Southend Society Limited
The Abbeyfield Tavistock Society Limited
The Abbeyfield Thirsk & Sowerby Society Limited
The Abbeyfield Tiverton Society Limited
The Abbeyfield Uxbridge Society Limited
The Abbeyfield West Herts Society Limited
The Abbeyfield Whitehaven Society Limited
The Abbeyfield Widnes Society Limited
The Abbeyfield Winchester Society Limited
The Abbeyfield Worcester and Hereford Society Limited
The Abbeyfield York Society Limited
The Andover Charities
The Anerley Housing Co-operative Limited
The Armstrong Home of Rest
The Ash Homes
The Baker’s Benevolent Society
The Bampfylde Almshouse Charity
The Barnes Fund
The Berrow Cottage Homes
The Birch, Samson and Littleton United Charities
The Blackpool Fylde and Wyre Society for the Blind
The Blue House
The Buchanan Trust
The Butterfield Homes - Crosshills
The Cambridge Housing Society Limited
The Cambridgeshire Cottage Housing Society Limited
The Charity of Hannah Clarke for Almshouses
The Charity of Mrs Mabel Luke
The Charity of St Leonard’s Hospital
The Charity of Thomas Fewson Eagles
The Charlesworth Charity
The Christian Union Almshouses
The Cinque Cottages
The City of London Almshouses
The Community Housing Group Limited
The Cyril Wood Memorial Trust
The Drapers’ Almshouse Charity
The Duchess of Somerset’s Hospital
The Edward Mayes Trust
The Exaireo Trust Ltd
The ExtraCare Charitable Trust
The Faversham United Municipal Charities 2010
The Fellowship Houses Trust
The Feoffees of the Parish Lands of Highweek
The Field Lane Foundation
The Finchley Charities
The Fishermen’s Hospital
The Flood Charity
The Fordham Memorial Homes
The Frances Darlington Charity
The Glendale Gateway Trust
The Gloucester Charities Trust
The Grange Centre for People with Disabilities
The Guinness Partnership Limited
The Hampton Parochial Charities
The Harborne Parish Lands Charity
The Harcourt Almshouse Charities
The Hartlepools War Memorial Homes & the Crosby Homes
The Havebury Housing Partnership
The Henry Gilder Drake Charity
The Henry Pinnock & Victoria & Albert Memorial Charity
The Honywood and Douglas Charity
The Hopkins & Sneyd Almshouse Charity
The Hospital of Reverend William James
The Hospital of St John & of St Anne in Okeham
The Hospital of St Thomas the Apostle in Doncaster
The Hospital of the Holy Trinity Aylesford
The Hospital of William Parson (Stoke Hospital)
The Hosyer-Foxe Charity
The Housing Plus Group Limited
The Hunter Memorial Homes Trust
The Huyton Community Co-op for the Elderly Ltd
The Industrial Dwellings Society (1885) Limited
The James Charities
The Jane Maddock Homes
The John Henry Keene Memorial Homes
The Louisa Lilley Almshouses
The Lowestoft Church & Town Almshouse Charity
The Lygon Almshouses
The Margaret Jane Ashley Almshouse Charity
The Merchant Taylors’ Boone’s Charity
The Mile End Housing Co-operative Limited
The Molyneux Almshouses
The Municipal Charities of Stratford-upon-Avon
The New College Of Cobham
The New Cut Housing Co-operative Limited
The North Memorial Homes City of Leicester
The Ogilvie Charities
The Onslow Almshouses
The Papworth Trust
The Pathways Jubilee Charity
The Peninsula Trust Limited
The Pioneer Housing and Community Group Limited
The Poynton-with-Worth Almshouse Charity
The Princes Park Housing Co-operative Limited
The Reverend Rowland Hill Almshouse Charity
The Richmond Fellowship
The Riverside Group Limited
The Robert Salter Charity
The Saint Mary Magdalen’s Hospital
The Shen Place Almshouses
The Skinners’ Almshouse Charity
The Society of Merchant Venturers’ Almshouse Charity
The Society of St James
The Sons of Divine Providence
The St Michael’s Housing Trust
The Stuart Court Memorial Charity
The Swaythling Housing Society Limited
The Teetotal Homes
The Villages Housing Association Limited
The Walker Barstow Homes
The West Hackney Almshouse Charity
The William Holmes Almshouses
The Winyates Co-operative Limited
The Wrekin Housing Group Limited
Thenue Housing Association Ltd
Thirlmere Housing Co-operative Limited
Thirteen Housing Group Limited
Thistle Housing Association
Thorner’s Homes
Thorngate Churcher Trust
Thornholme Housing Co-operative Limited
Thornton Cottage Homes
Thrale Almshouse and Relief in Need Charity
Three Rivers District Council
Thrive Homes Limited
THT and L&Q Community Limited
Thurrock Council
Tiverton Almshouse Trust
Toddington United Almshouse Charity
Together Housing Association Limited
Together Housing Group Limited
Tonbridge and Malling Borough Council
Tonbridge United Charity
Tooting Bec Housing Co-operative Limited
Torus62 Limited
Tower Hamlets Community Housing
Town and Country Housing
Townshend Close Housing Co-operative Limited
TPHA Limited
Trafalgar Housing Association
Trafford Housing Trust Limited
Transform Housing & Support
Tregonwell Almshouse Trust
Trent & Dove Housing Limited
Triangle Housing Co-operative Limited
Trident Housing Association Limited
Trinity Homes
Trinity Hospital at Clun
Trinity Housing Association Limited
Trust Housing Association
Tunbridge Wells Borough Council
Tuntum Housing Association Limited
Turning Point
Twenty-Fifth Avenue Ltd
Two Piers Housing Co-operative Limited
Two Rivers Housing
Two Saints Limited
Tyne Housing Association Limited
Tyne Mariners’ Benevolent Institution
UCCLT Housing Ltd
Uckfield & District Housing Association Limited
United Communities Limited
Unity Housing Association Limited
Uttlesford District Council
V & F Homes Limited
Vale of Aylesbury Housing Trust Limited
Vanbrugh and Tempest Almshouse Trust
Vectis Housing Association Limited
Veterans Aid
Victoria Homes
Victoria Tenants Co-operative Limited
Victory Housing Trust
Viewpoint Housing Association Ltd
Villages Community Housing Association Limited
Vine Housing Co-operative Limited
Viridian Housing
Vivid Housing Limited
W14 Housing Co-operative Limited
Waddington Hospital
Wakefield And District Housing Limited
Wakefield Charities’ Homes
Walsall Housing Group Limited
Walterton and Elgin Community Homes Limited
Waltham Forest Housing Association Limited
Walton-on-Thames Charity
Wandle Housing Association Limited
Wargrave-on-Thames Housing Association Limited
Warrington Borough Council
Warrington Housing Association Limited
Warwick District Council
Warwick Housing Co-operative Limited
Warwickshire Rural Housing Association Limited
Water Tower Housing Co-operative Limited
Watermans Housing Co-operative Limited
Waters Almshouses
Watford Community Housing Trust
Watmos Community Homes
Waverley (Eighth) Co-operative Housing Association Limited
Waverley Borough Council
Waverley Housing
Wealden District Council
Wearmouth Housing Co-operative Limited
Weaver Vale Housing Trust Limited
Weavers’ Almshouse Charities
Webster Almshouse Trust
Weller Streets Housing Co-operative Limited
Wellhouse Housing Association
Wellington Housing Co-operative Limited
Wellington Mills Housing Co-operative Limited
Welwyn Garden City Housing Association Limited
Welwyn Hatfield Borough Council
WESLO Housing Management
West Berkshire District Council
West Devon Borough Council
West End Housing Co-operative Limited
West Granton Housing Co-operative Ltd
West Ham Non-Ecclesiastical Charity
West Hampstead Housing Co-operative Limited
West Herts Homes Limited
West Highland Housing Association Ltd
West Kent Housing Association
West Lancashire Borough Council
West London Mission Housing Association Limited
West London YMCA
West Lothian Housing Partnership
West Mercia Homes Limited
West Norfolk Housing Company Ltd
West of England Friends Housing Society Limited
West of Scotland Housing Association Ltd
West Suffolk Council
West Whitlawburn Housing Co Operative
Westfield Housing Association Limited
Westlea Housing Association Limited
Westlon Housing Association Limited
Westminster Community Homes Limited
Westmoreland Supported Housing Limited
Westree Road Housing Co-operative Limited
Westvale Housing Co-operative Limited
Westward Housing Group Limited
Westway Housing Association Limited
Wey Valley Housing Association Limited
Weybank Housing Co-operative Limited
WH Saunders Charity
Wheatley Group
Whicher and Kifford Almshouses
Whitby Merchant Seamen’s Hospital Houses
White Horse Housing Association Limited
Whitefriars Housing Group Limited
Whitehead Almshouses
Whiteinch & Scotstoun Housing Association Ltd
Whitworth Housing Co-operative Limited
Wickham Community Land Trust
Wilfrid East London Housing Co-operative Limited
Willesden Green Housing Co-operative Limited
William Henry Hirst Memorial Homes
William Paul Housing Trust
William Russell Bequest
Williamsburgh Housing Association Ltd
Willow Park Housing Trust Limited
Wiltshire Council
Winchester City Council
Winchester Working Men’s Housing Society Limited
Windrush Alliance UK Community Interest Company
Windsor Walk Housing Association Limited
Winner Trading Limited
Winnocks and Kendalls Almshouse Charity
Winsor Housing Co-operative Limited
Wirral Methodist Housing Association Limited
Wirral Metropolitan Borough Council
Wisbech Charities
Wisden Housing Co-operative Limited
Wishaw & District Housing Association
Witham Housing Association Limited
WM Housing Group Limited
Woborns Almshouse
Wokingham Borough Council
Wollaston and Pauncefort Almshouse Charity
Wolverhampton City Council
Women’s Pioneer Housing Limited
Woodlands Quaker Home
Woodley Sandford and Charvil Charitable Trust
Woodside Housing Co-operative Limited
Woolfardisworthy Sports and Community Hall
Worcester Municipal Charities CIO
Worcestershire YMCA Limited
Worthing Homes Limited
Wrott and Hill Charity
Wyedean Housing Association Limited
Wythenshawe Community Housing Group Limited
Yardley Great Trust
YMCA Bedfordshire
YMCA Black Country Group
YMCA Brunel Group
YMCA Derbyshire
YMCA Downslink Group
YMCA East Surrey
YMCA Fairthorne Housing
YMCA Norfolk
YMCA North Tyneside
YMCA St Helens
YMCA St Pauls Group
YMCA Thames Gateway
YMCA Trinity Group
Yoker Housing Association Ltd
York Housing Association Limited
Yorkhill Housing Association Ltd
Yorkshire Housing Limited
Yorkshire Ladies Council (Hostels) Limited
Your Homes Newcastle
Your Housing Group Limited
Your Housing Limited
ZAH Housing Co-operative Limited
Zebra Housing Association Limited

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Universal Credit and students

You cannot usually get Universal Credit if you are studying full-time. There are some exceptions

Studying full-time

You may be able to get Universal Credit if you are studying full-time and any of the following apply:

you’re aged 21 or under, in full-time non-advanced education
and do not have parental support
you are responsible for a child
you live with your partner and they are eligible for Universal Credit
you have reached the qualifying age for Pension Credit
and live with a partner who is under that age
Personal Independence Payment
Disability Living Allowance
Attendance Allowance
Armed Forces Independence Payment

You may also be able to get Universal Credit if you’re studying in full-time non-advanced education , you do not get a student loan or maintenance grant and you are available for work. If the course is more than 12 hours a week, this only applies from 1 September following your 19th birthday. This is because your parents can claim benefits for you before that date.

You may be asked to provide evidence of the course you are doing .

Aged 21 or under, in non-advanced education and do not have parental support

This includes if you have left care provided by the local council or you are without parental support.

You may be eligible for Universal Credit if :

you’re on a full-time course of non-advanced education or training that started before you reached age 21
you reach age 21 while you are on the course

You can continue to get Universal Credit until:

the end of the academic year in which you reach age 21

the end of the course, if it ends before you reach age 21 You are responsible for a child

The child may be adopted or a foster child.

For couples, one of you or both of you may be a student.

What counts as a full-time course

The education or training provider usually decides whether a course is full-time.

If you attend a full-time course on a part-time basis, you will be treated as studying full-time.

A course is an arrangement of study, tuition or training. It can be academic, practical, or a combination of both. It is usually done at, or by arrangement with, an education or training provider.

It will often lead to a qualification when it is completed. Some non-advanced study, tuition or training, may not lead to a qualification. This does not mean that it is not a course.

Examples of full-time courses of advanced education

Full-time courses of advanced education include those leading to:

a postgraduate degree or comparable qualification
a first degree or comparable qualification
a diploma of higher education
a higher national diploma
advanced GNVQ or equivalent
a Scottish higher or advanced higher national qualification

Examples of full-time courses of non-advanced education

Non-advanced education is any qualification up to A Level, or equivalent. Full-time courses include:

National Qualification Framework level 3 or the Scottish Qualification framework level 6
General Certificate of Education Advanced level (A Level)
Advanced Diploma
National Diploma, Certificate or Award
Level 3 NVQ, Award, Certificate or Diploma

Studying part-time study

You may be able to get Universal Credit if you are available for work and studying part time.
If the course is more than 12 hours a week non-advanced education , this only applies from 1 September following your 19th birthday. This is because your parents can claim benefits for you before that date.
You may be asked to provide evidence of the course you are doing.

Student income and your Universal Credit

Your student income can affect how much Universal Credit you get.

Universal Credit is usually paid once a month and is based on your circumstances during that month. This is called your ‘assessment period’.

For each assessment period that you attend the course, an amount for any student income you get will be taken off your Universal Credit. The amount is worked out from the actual student income you get that month less a set amount for expenses.

However, no student income will be taken off your Universal Credit if:

the assessment period covers the first day of the summer holidays
you are on summer holiday for the whole of a subsequent assessment period
your course ends during the assessment period

Student loans

You may be entitled to Universal Credit if you receive a student loan. There are different types of student loans and there are different rules depending on which loan you receive.
When working out your Universal Credit, any loan amount that is intended to cover tuition fees and other costs of study will be excluded.
Loans that cover maintenance, such as living expenses, rent and bills, will be deducted from your Universal Credit. Most loans pay tuition and maintenance in separate payments.
However, if you receive a Special Support Loan or Grant, this will not be deducted from your Universal Credit. This provides help towards costs of study, such as for books, equipment, travel etc.

Special Support Loan or Grant

You may get a Special Support Loan or Grant if you get or qualify for:

Income Support
income-related Employment and Support Allowance
Housing Benefit
the housing element of Universal Credit

You may get the Special Support Loan or Grant if, for example, you are a lone parent or have certain disabilities.

If you live in England the Special Support Grant was replaced by the Special Support Loan from the beginning of the 2016 to 2017 academic year. If you live in Wales, it is called a Special Support Grant.

You will be told if you can get the Loan or Grant when you apply for student finance.

If you receive a loan that pays maintenance and tuition in a single payment, for example a Postgraduate Master’s Degree Loan, a proportion of your loan will be excluded from your Universal Credit payment and the rest is deducted.

Postgraduate Master’s Loan

A Postgraduate Master’s Loan can help with course fees and living costs while you study a postgraduate master’s course.

Funding for postgraduate loans is different if you normally live in Scotland, Wales or Northern Ireland. Moving somewhere to study does not count as normally living there.

Postgraduate Doctoral Loan

A Postgraduate Doctoral Loan can help with course fees and living costs while you study a postgraduate doctoral course, such as a PhD.

Funding for a Postgraduate Doctoral Loan is different if you normally live in Wales.

The Postgraduate Master’s and Doctoral loans are paid as one payment in 3 instalments over each year of the course and are all treated the same way when working out your Universal Credit. They are all a contribution to both living costs and tuition fees.

When working out your Universal Credit, 30% of the loan will be taken into account and the rest will be excluded.

If you are a full-time higher education student, you may be able to get a non-repayable grant from the government to help with accommodation and other living costs. There are also other types of grants that can help with things like childcare, tuition fees or examination fees. If you are in receipt of Universal Credit and you receive a student grant, it will be fully excluded from the calculation if the grant is for the following:

tuition and examination fees
your disability
expenses for residential study away from an educational establishment
living away from your usual place of study
maintenance of dependent adult
books and equipment
travel expenses
childcare costs

Claimant commitment

To be able to get Universal Credit, everyone has to agree to a claimant commitment.
If you are claiming Universal Credit as a student who has taken time out from your course, you may be expected to take some actions as part of your claimant commitment. You will have to talk with your work coach to find out.
If you are claiming Universal Credit as a student under 21 doing a course that leads to qualifications up to A level standard, you will not have to do anything under your claimant commitment.
If you are claiming Universal Credit as a student and you receive student income such as a grant or loan, you will not have to do anything under your claimant commitment.

Even if you do not fall into either of these two groups, you might not have to do anything under the normal rules on claimant commitments.

CALCULATING STUDENT INCOME

UC is paid for an ‘assessment period’ of one month. Student income counts as income in assessment periods that fall during the course, as well as in the assessment period in which the course, and any subsequent year of the course, begins. Student income is ignored in the assessment period in which the end of the course or the start of the long vacation falls. The long vacation is the longest holiday, lasting at least a month, in a course which is at least two years long. Student income is also ignored in any other assessment period that falls completely within the long vacation.

In each assessment period, £110 of student income is disregarded.

To work out how much of your student income is taken into account:

Step one: calculate your annual loan or grant or, if the course lasts for less than a year, the amount of loan or grant for the course.

Step two: work out how many assessment periods apply for that year, or for the course if it is less than a year long.

Step three: divide the amount from Step one by the number of assessment periods in Step two.

Step four: deduct £110.

Claire gets a student loan of £10,815 in total. This includes a special support element of £4,014, which is disregarded, leaving £6,801. Year one of her course runs from 27th September 2021 to 13th May 2022. Her assessment periods run from the 20th of the month to the 19th of the following month. Her loan counts as income for seven assessment periods.

£6,801 ÷ 7 = £971.57

£971.57 - £110 = £861.57

Claire’s UC is calculated on student income of £861.57 a month from 20th September 2021 to 19th April 2022.

DWP Universal Credit payments increase this week - what you will get

Millions of Universal Credit claimants will see an increase in their payments from the Department for Work and Pensions.

Chancellor Jeremy Hunt announced that DWP Universal Credit payments would be rising in the new financial year during 2023’s autumn statement.

At that time, Mr Hunt told MPs in the House of Commons that the Government would increase Universal Credit and other benefits by 6.7 per cent, in line with September’s inflation figures.

The increase, which claimants will notice in their next payment, is worth an “average £470 for 5.5 million households”, the Chancellor said.

Pensioners set for £900 increase

Pensioners will see their state pension increase by up to £900 from this week, as an announcement made at last year’s autumn statement comes into effect.

Chancellor Jeremy Hunt confirmed that the triple lock on pensions would be honoured, with state pensions set to rise.

Under the triple lock – which guarantees an increase in line with average earnings, inflation or 2.5%, whichever is highest - pensions will increase by 8.5 per cent next month.

He told MPs: "The triple lock has helped lift 250,000 older people out of poverty since its inception in 2011.

"It has been a lifeline for many during times of inflation.

"We honour our commitment to the triple lock in full. We will increase the new state pension by 8.5 per cent, worth up to £900 more a year."

Millions of workers set for April pay rise

The National Living Wage has increased by more than £1 an hour, from £10.42 to £11.44.

Eligibility for the National Living Wage has also been extended by reducing the age threshold to 21-year-olds for the first time.

The Department for Business and Trade estimate 2.7 million workers will directly benefit from the 2024 National Living Wage increase.

Speaking in November, Mr Hunt said: “Next April all full-time workers on the National Living Wage will get a pay rise of over £1,800 a year. That will end low pay in this country, delivering on our manifesto promise.

“The National Living Wage has helped halve the number of people on low pay since 2010, making sure work always pays.”

More than 5 million people will see their Universal Credit payments increase by an average of £470 this week (Image: Getty)

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Universal Credit Personal Loans: 2024 Review

20+ years of combined experience covering personal loans and financial topics.
Objective, comprehensive star rating system assessing 20+ categories and 70+ data points.
Governed by NerdWallet's strict guidelines for editorial integrity .

A Universal Credit loan is a sound option for bad-credit borrowers looking to build credit, but rates are high compared to similar lenders.

Fast funding.
Offers multiple rate discounts.
Free credit score access.
Two repayment term options.

Full Review

Universal Credit personal loans are best for borrowers with low credit scores who want a loan with features that will help their scores. Universal Credit’s starting rates are high compared to other bad-credit lenders, so compare loan offers before you apply.

Universal Credit is operated by online lender Upgrade. The main difference between the two is that borrowers with bad credit scores (629 or lower) and more debt may more easily qualify for a Universal Credit loan. Upgrade offers a more flexible personal loan that’s particularly good for debt consolidation.

Once approved, Universal Credit customers can access features offered by Upgrade, including credit building tools, a mobile app and a discount for directly paying off creditors on debt consolidation loans.

Universal Credit loans at a glance

Where Universal Credit personal loans stand out and fall short

Do you qualify for a Universal Credit personal loan?

How to apply for a universal credit personal loan.

How Universal Credit personal loans compare

How we rate Universal Credit personal loans

Universal credit personal loans at a glance.

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor. Personal loans issued by Universal Credit's bank partners. Information on Universal Credit's bank partners can be found at https://www.universal-credit.com/bank-partners/ † Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Where Universal Credit personal loans stand out

Rate discounts:

Autopay discount: Universal Credit offers a 0.5 percentage point discount for setting up automatic payments. This discount is common with personal loans, and setting up autopay ensures you’ll make payments on time.

Direct pay discount: If you’re using a Universal Credit loan to consolidate other high-interest debts, the lender will directly pay off those debts (leaving you with one monthly loan payment) and discount your rate by 1 to 3 percentage points. Many lenders can directly pay other creditors, but few include a discount. To use this feature, at least half of the loan must go toward consolidating debt .

» MORE: Compare debt consolidation loans

Credit-building tools: Through Upgrade, Universal Credit borrowers have free access to their VantageScore , a credit score simulator, credit monitoring and customized credit-building recommendations. Many lenders offer credit score monitoring, but the simulator tools and recommendations are unique.

Fast funding: Universal Credit personal loans can be approved and funded as quickly as two days after you apply. The lender says approval can take one to a few days, and funds are usually available the day after approval. This process may be faster with other lenders — some approve you the day you apply and fund the loan the next day — but two or three days from application to funding is decent timing for a personal loan.

» MORE: Fast personal loans

Where Universal Credit personal loans fall short

No joint, co-signed or secured loans: Universal Credit borrowers cannot add collateral, a co-signer or a co-borrower to a loan application. Adding collateral or a co-applicant with better credit or higher income can mean a lower rate, a higher loan amount or could improve your chances of qualifying. Many bad-credit lenders offer at least one of these options.

» MORE: Compare co-sign and joint loans

Charges an origination fee: Universal Credit charges an origination fee ranging from 5.25% to 9.99%. The lender takes this fee from the loan before it’s deposited into your account, reducing your loan amount by a few hundred dollars or more. This fee is somewhat common with bad-credit online loans. Be sure the loan amount is still enough to cover your expense once the origination fee is applied.

» MORE: Best loans with no origination fee

You may be able to qualify for a Universal Credit with fair or bad credit. The lender also says qualified borrowers can have debt-to-income ratios up to 75%, including the new personal loan.

To apply for a Universal Credit personal loan, you must be:

A U.S. citizen or permanent resident, or living in the U.S. on a valid visa.

At least 18 years old in most states.

Able to provide a verifiable bank account.

Able to provide a valid email address.

Here are Universal Credit’s minimum requirements to qualify for a loan. (Meeting these requirements doesn't guarantee approval.)

Minimum credit score: 560. Universal Credit uses FICO score version 9 from TransUnion.

Minimum credit history: 1 account and 2 years.

Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for.

Minimum income requirement: None. This lender accepts income from alimony, retirement, child support, Social Security and other sources.

Here are details about Universal Credit’s average borrower, according to the lender.

Average credit score: 672.

Average annual income: $80,000.

Average loan amount: $9,100.

Average loan term: 5 years.

Most common loan purpose: Credit card refinancing and debt consolidation.

Before you apply

Check your credit. You can get your free credit report on NerdWallet or at AnnualCreditReport.com . Doing so will help you spot and fix any errors before you apply.

Calculate your monthly payments . Use a personal loan calculator to determine what APR and repayment term you’d need to get a loan with affordable monthly payments.

Make a plan to repay the loan. Review your budget to see how the loan’s monthly payments impact your cash flow. If you have to cut other expenses in order to repay the loan, it’s better to know that before you borrow.

Gather your documents. Universal Credit may require proof of income, which can be a W-2 or pay stub, as well as proof of address and a Social Security number. Having these documents handy can speed the application process.

» MORE: How to apply for a personal loan

Here are the steps to apply for a Universal Credit loan, based on information from the lender and our experience completing the pre-qualification process.

Pre-qualify on Universal Credit’s website. You’ll be asked how much you want to borrow and what the funds are for, as well as some personal information like your name, birthdate and address. The lender will ask for your individual income and additional income, which can include a partner’s income, alimony, child support and other sources. You’ll then create an account with an email address and password. There’s no hard credit pull at this stage.

Preview loan offers and accept the one that fits your budget. If you qualify, you’ll preview multiple Universal Credit loan offers with different amounts, rates and repayment terms. Once you accept an offer, you’ll submit a formal personal loan application. This may require more documents, like W-2s, pay stubs and tax documents to confirm the information you gave during pre-qualification. Universal Credit will do a hard credit check when the loan is funded, which may cause a temporary dip to your score.

Receive your funds within a business day or two. The lender says it may take up to a few days to approve an application. Universal Credit can send loan funds the day after approval. If you’re consolidating debt, it may take longer for the funds to reach other creditors. Continue making debt payments until you’re sure they are paid off.

Make a plan to repay the loan. Universal Credit reports payments to all three major credit bureaus , so on-time payments will help build your credit, but missed payments will hurt it. Setting up automatic payments and keeping an eye on your budget are two ways to manage your loan payments .

Compare Universal Credit to other lenders

Compare Universal Credit with other lenders to decide whether it offers the right personal loan for you. Lenders offer different rates, loan amounts and special features, so it pays to weigh your options. The best personal loan is the one with the lowest APR and most affordable monthly payments.

Upgrade and Upstart offer lower rates than Universal Credit, and both say they may approve fair- and bad-credit borrowers.

Universal Credit vs. Upgrade

Upgrade personal loans are potentially more affordable and more flexible than loans from Universal Credit. Upgrade offers lower rates, more repayment term options and lets borrowers use a vehicle to secure a loan.

On the other hand, Upgrade’s qualification requirements might be tighter. It doesn’t hurt to pre-qualify for both and choose the better offer; once you get either an Upgrade or Universal Credit loan you’ll use Upgrade’s app and website to manage it.

» MORE: Upgrade personal loans review

Universal Credit vs. Upstart

Upstart provides an instant approval decision — a process that takes Universal Credit a day or more — and funds many loans the next business day.

Upstart’s rates tend to be lower than Universal Credit’s, and it uses alternative data that may help consumers with low credit scores qualify more easily. The lender says borrowers with all credit types — including thin and no credit history — can apply.

If you’re consolidating debt, Universal Credit may be the better choice. Upstart doesn’t directly pay off other creditors or offer rate discounts for consolidation.

» MORE: Upstart personal loans review

NerdWallet experts rate lenders against a rubric that changes each year based on how personal loan products evolve. Here’s what we prioritized this year:

Affordability (30%) An affordable loan has low rates and fees compared to other similar loans and may offer rate discounts.

Underwriting and eligibility (25%) The lender reviews borrowers credit reports and credit history, and tries to understand their ability to repay a loan, before making a final application decision.

Loan flexibility (20%) A flexible loan is one that lets users customize terms and payments. That means offering a wide range of repayment term options, allowing the borrower to change their payment date, offering loans in most states and funding it quickly.

Customer experience (15%) A good customer experience can include a fully online application process, financial education on the lender’s website and a customer service team that’s available most of the time and can be reached multiple ways.

Transparency (10%) A transparent lender makes information about the loan easy to find on its website, including rates, terms and loan amounts. Transparency also means allowing users to pre-qualify online to preview potential loan offers and reporting payment information with the major credit bureaus.

Ready to apply? Click the button below to check for offers.

Find the Best Personal Loan

NerdWallet’s review process evaluates and rates personal loan products from more than 35 technology companies and financial institutions. We collect over 50 data points from each lender and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.

Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.

NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines .

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April 2024 dates for benefits and pensions after cost of living payments

Everything you need to know about the support available during the ongoing cost of living crisis, article bookmarked.

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As the cost of living crisis persists, millions continue to struggle to pay their bills, afford the essentials or even keep a roof over their heads.

Chancellor Jeremy Hunt’s spring Budget brought some changes aimed to increase household incomes, including a 2p National Insurance tax cut , changes to the Child Benefit , and an extension to the Household Support Fund.

However, some experts have expressed concerns that the chancellor’s new measures unfairly benefit higher earners. The NI cut will benefit those earning £50,000 or more the most, according to the Resolution Foundation think tank.

The government’s latest annual figures on low-income households also paint a bleak picture of the UK’s economic situation. They show absolute poverty has increased for two years in a row, with nearly a million more people poverty in 2022/23 than in 21/22.

The economy took a positive turn when inflation dropped to 3.4 per cent in March – the lowest level since the end of 2021. However, this does not mean prices are going back to what they were two and a half years ago, just that they are rising less fast.

Against these difficult economic circumstances, here is an overview of the financial support available to low-income families this April and key dates for benefits recipients to look out for:

Benefits going out as usual

The usual benefits and pensions payments will be going out mostly as normal in March. These are:

Universal Credit
State pension
Pension credit
Child benefit
Disability living allowance
Personal independence payment
Attendance allowance
Carer’s allowance
Employment support allowance
Income support
Jobseeker’s allowance

However, if your payment date falls on Good Friday (29 March) or Easter Monday (1 April) you should receive your expected payment the on the last Thursday of March (28 March).

For more information on how and when state benefits are paid, please visit the government’s website .

A report from Policy in Practice last year shows that nearly £19bn in benefits goes unclaimed a year – they offer a helpful calculator to work out what you might be entitled to.

Have you been affected by the issues in this story? Get in touch via email: [email protected]

Household support fund

In the spring Budget, Jeremy Hunt confirmed the Household Support Fund (HSF) would be extended for 6 months beyond the original 31 March deadline.

The HSF is funding given to all local councils to support vulnerable households in their area. Councils are free to allocate the funds however they feel is best.

For instance, some have provided cash grants, supermarket vouchers, or energy bill assistance. You will need to visit your local council’s website to find out what help may still be available.

To find out what support is available to you, the End Furniture Poverty charity offer a helpful assistance finder tool .

Other help available

Budgeting advance loans

The government offers a ‘budgeting advance loan’ for people on Universal Credit who face an emergency lack of money. Prior to the budget, the repayment period for these loans was 12 months. It has now been doubled to 2 years.

These loans are interest-free, and automatically deducted from Universal Credit payments. You can borrow an ‘advance’ of up to:

£348 if you’re single
£464 if you’re part of a couple
£812 if you have children

Charitable grants

If you are struggling financially, you may be eligible for certain charitable grants. There are a wide range of grants available depending on your circumstances.

However, these grants will typically require you to meet specific criteria and only be able to offer limited funds.

Charitable grants are available for people who are disabled or ill, carers, bereaved, unemployed, students – and many more. The charity Turn2us has an online tool to search for grants which may be available to you.

Energy provider help

A number of energy suppliers offer help for those struggling with their energy bills. These include Scottish Power, EDF, E.ON and Octopus. It is worth contacting your energy provider to find out if you are eligible.

British Gas also offer a grant of up to £2,000 to customers of any energy provider . You will need to meet specific criteria to be eligible, and can apply on the British Gas Energy Trust website .

Council tax reduction

If you meet certain criteria or are on certain benefits, you may be able to apply for a discount on your council tax discount of up to 100 per cent.

Your local council may still be able to offer you a discretionary reduction if you are able to demonstrate you are facing severe hardship and can’t afford to pay your council tax.

To apply for a council tax reduction, you can contact your local council via the government’s website .

Up to 30 hours free childcare

All working parents in the UK are currently entitled to 30 hours of free childcare for children aged 3 to 4. From April 1, this entitlement will expand to include 15 hours of free childcare for 2-year-olds.

You must apply online and reconfirm your eligibility every three months, in time for each school term. Working parents can also apply for tax-free childcare, giving back 20p for every 80p you put towards childcare, up to a maximum of £500 a year.

There are two more expansions to free childcare planned in the coming years:

September 2024 : All children from the age of nine months can receive 15 hours of free childcare.
September 2025: All children under five can receive 30 hours of free childcare.

Energy Price Cap: Will it go up or down in 2024?

The energy price cap is set to drop to £1,690 from 1 April , down £238 from the January cap of £1,928.

Analysts at the trusted Cornwall Insight predict this figure will fall in July to £1,462.86, but rise again slightly in October to £1,590.

The energy price cap is the maximum amount energy suppliers can charge you for each unit of energy if you’re on a standard variable tariff. That includes most households. It is expressed as an annual bill for an average home.

The recent decline in prices is reflective of recent drops in wholesale energy costs – the amount energy firms pay for their electricity and gas before supplying it to households.

Although it is a significant slide from the record-high rates of the last two years, the figure remains almost £1,000 a year above pre-pandemic levels.

Are benefits and pensions going up in 2024?

Benefits and state pension are set to increase in April 2024.

In his autumn statement, Jeremy Hunt that benefits are going to be increased by the September rate of inflation of 6.7 per cent. He also announced that state pensions will be increased by 8.5 per cent around the same time.

However, the Child Poverty Action Group (CPAG) has warned that failure to raise the benefits cap will push more people beyond its threshold, meaning a real-terms cut for many .

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Benefits and financial support if you're on a low income

Universal Credit

What you'll get.

Universal Credit is paid monthly . How much you get depends on:

your standard allowance
any extra amounts that apply to you
any money taken off your payment
if you’re working, how much you earn

See how much you could get by using a benefits calculator .

Standard allowance

You’ll get one standard allowance for your household.

Extra amounts

You may get more money on top of your standard allowance if you’re eligible.

If you have children

You could get an extra amount for your children if they live with you. You would get the extra amount until the 31 August after their:

16th birthday
19th birthday, if they’re in eligible education or training – for example, they’re studying for GCSEs, A levels, BTECs, Scottish Highers and SVQs or NVQs up to level 3

You’ll only get an extra amount for your first and second child. You will not get an extra amount for any more children unless:

your children were born before 6 April 2017
you were already claiming for 3 or more children before 6 April 2017
other exceptions apply

You’ll also get an extra amount if any of your children are disabled. You’re eligible for this extra amount no matter how many children you have.

You’ll get:

£146.31 if your child is disabled
£456.89 if your child is severely disabled

Childcare costs

You can claim back up to 85% of your childcare costs if you’re working. If you live with your partner both of you need to be working, unless one of you is unable to work due to a disability or health condition.

The childcare needs to be from a registered provider. You can get help paying for childcare including nurseries, childminders, breakfast clubs, after school care and holiday clubs.

The most you can get each month is:

£950.92 for one child

£1,630.15 for 2 or more children

You need to pay your childcare costs up front and claim the money back as part of your payment. You can get support to help you pay your childcare costs up front. Talk to your work coach after you’ve made your claim.

Read more about childcare costs and Universal Credit .

If you have a disability or health condition

If you live with your partner and you both have limited capability for work and work-related activity, you’ll only get one extra monthly amount.

If you get the severe disability premium and you’re moving to Universal Credit, you might also be entitled to a ‘transitional protection’ payment.

Read more about health conditions, disability and Universal Credit .

If you care for someone who gets a health or disability-related benefit

This is on top of any extra amount you get if you have a disabled child.

Housing costs

You could get money to help pay your housing costs . The payment can cover rent and some service charges.

If you’re a homeowner, you might be able to get a loan to help with interest payments on your mortgage.

Money taken off your payment

Your payments might be reduced if any of the following apply:

you are paying back an advance on a Universal Credit payment

you have more than £6,000 in money, savings and investments

you would get above the amount limited by the benefit cap

you’ve been overpaid benefits in the past

you owe money for Council Tax, court fines, electricity, gas, water or Child Maintenance

you pay your gas or electricity bill directly from your Universal Credit payment

you have a paid job

you have other income – for example, money from pensions or certain other benefits

Find out more about money taken off your Universal Credit payment .

Benefits that affect how much Universal Credit you get

You can get Universal Credit at the same time as other benefits. Your Universal Credit payment will be reduced by an amount equal to the other benefit’s payment. This applies when you get Universal Credit and any of the following benefits:

Armed Forces Pensions
Carer’s Allowance
Carer Support Payment (Scotland)
Incapacity Benefit
Industrial Injuries Disablement Benefit (excluding any increases where constant attendance is needed and for exceptionally severe disablement)
Maternity Allowance
New Style Employment and Support Allowance
New Style Jobseeker’s Allowance
Severe Disablement Allowance
State Pension
Widowed Mother’s Allowance
Widowed Parent’s Allowance

Moving to Universal Credit from other benefits

If you’ve applied for Universal Credit, you’ll keep getting your current benefit paid for 2 more weeks. You must still be eligible for your current benefit.

This only applies if you’re getting:

income-based Jobseeker’s Allowance

income-related Employment and Support Allowance

Income Support

Housing Benefit

You will not need to pay back the extra payments and they will not affect the Universal Credit you might get.

If you’ve received a Migration Notice letter telling you to claim Universal Credit, you might also get a ‘transitional protection’ payment .

Other support you could get

If you receive Universal Credit you may also be able to get other financial support depending on your circumstances.

If your Universal Credit claim is reviewed

Your claim might be reviewed to make sure you’re getting the right payment and support. Find out more about Universal Credit reviews .

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Update: Universal Orlando’s Fate Assessed, Hotel Submerged in Blazing Fire

in Universal Studios

Fire breakout near a universal studios attraction, emergency services responding at the scene.

Universal Orlando Resort nearly perished in an engulfing fire that destroyed an abandoned hotel that lies next to Universal’s Endless Summer resort.

Guests walking into Universal Studios Florida

To see an entire hotel go up in massive flames is not the norm in Orlando, but yesterday morning, that is exactly what happened.

The blaze erupted at the rundown I-Drive Grand Resort & Suites, located in Orlando’s bustling tourist area. Emergency responders were alerted at 6:15 p.m. The fire consumed approximately a quarter of the building, nearly crossing over onto Universal Orlando Resort property.

Property records indicate that a 2020 inspection described the condition of the structure as “neglected, damaged, dilapidated, unsecured, or abandoned.”

Hurricane specialist Zach Covey shared the Downtown Orlando camera, which shows billowing clouds of smoke taking over the city skyline as the fire burns down what used to be a popular resort located in one of the most popular and tourist-filled areas of Orlando.

BREAKING | An active fire is happening near Universal Studio’s Endless Summer resort. @MyNews13 is reaching out for more information. You can see the active fire on our skycam from Downtown Orlando.

BREAKING | An active fire is happening near Universal Studio's Endless Summer resort. @MyNews13 is reaching out for more information. You can see the active fire on our skycam from Downtown Orlando. pic.twitter.com/USKQ4bs8oE — Zach Covey (@ZachCoveyTV) March 30, 2024

Zach also shared an update stating, “UPDATE | Our crew is on the scene of a 2 alarm structure fire at an abandoned hotel right behind Universal’s Endless Summer resort. The fire is contained behind Endless Summer and it, nor the Hampton Inn next door, is not at risk of fire spread.”

Thankfully, while this fire could have very well taken down Endless Summer Resort, endangering thousands of Universal Orlando guests here for the Easter holiday, it did not, and no injuries have been reported.

According to officials, the motel has been the sight of multiple fires this year, one on February 27 and another on March 10.

While this hotel has been prone to catching on fire, Universal is not a fire hazard that guests should worry about. The last fire scare that happened at Universal took place in July of 2023, and even that was a false alarm on CityWalk.

In 2008, Universal Studios Hollywood experienced a fire that ruined one of their major attractions. The fire persisted for a full 24 hours and inflicted significant damage on the park, particularly devastating over 150,000 master recordings of music and the iconic King Kong Encounter. In the aftermath, only four walls remained standing from the entire attraction, compelling Universal to dismantle it. Subsequently, the attraction was succeeded by King Kong: 360 3-D, which made its debut on July 1, 2010.

The fire on I-Drive has since been contained, and it appears that no operations at Universal Studios Florida, Islands of Adventure, or Volcano Bay have been reported. Additionally, no one staying at the Endless Summer Resort issued any complaints about the fire, even though it was taking place next to them.

Universal’s Endless Summer Resort offers two distinct hotels, Surfside Inn and Suites, and Dockside Inn and Suites, providing affordable accommodations near Universal Orlando Resort. These vibrant hotels feature spacious rooms, colorful décor, and a fun surf-themed atmosphere. Guests can enjoy amenities such as expansive pools, dining options, and complimentary shuttle transportation to Universal’s theme parks and CityWalk.

In addition to Endless Summer Resort, Universal Orlando Resort boasts several other hotels, each offering its own unique theme and experience. Loews Portofino Bay Hotel captures the charm of the Italian seaside village of Portofino, while the Hard Rock Hotel immerses guests in the rock ‘n’ roll lifestyle with music-inspired décor and rock memorabilia. Loews Royal Pacific Resort transports visitors to a tropical paradise with its South Pacific-themed ambiance, and Universal’s Cabana Bay Beach Resort offers a nostalgic journey back to the 1950s and 60s with its retro-chic design.

For a modern and sleek experience, guests can stay at Universal’s Aventura Hotel, while those seeking a Caribbean-inspired getaway can choose Universal’s Sapphire Falls Resort. With a diverse range of accommodations and amenities, Universal Orlando’s hotels ensure that every guest can find the perfect place to stay while enjoying the excitement of the theme parks.

Have you ever seen a fire break out at a theme park?

Universities in Moscow, Russia - Rankings & Reviews -

For business studies see our separate ranking of business schools in Moscow, Russia

27 Sep, 2023: THE World University Rankings updated with Moscow State University M. V. Lomonosov ranked highest among 21 listed universities in Moscow.
15 Aug, 2023: ARWU Academic Ranking of World Universities - ShanghaiRanking updated with Moscow State University M. V. Lomonosov ranked highest among 6 listed universities in Moscow.
31 Jul, 2023: Webometrics published most recent results of Webometrics Ranking Web of Universities . Includes 42 universities from Moscow.
22 Jul, 2023: Latest URAP University Ranking by Academic Performance - By Field (Business) from Urap . 115 universities from Moscow appear in this ranking.

Rankings of universities in Moscow, Russia 2024

Moscow State University M. V. Lomonosov

University rankings (20)

Moscow Institute of Physics and Technology

National Research University Higher School of Economics

University rankings (17)

in Business, Computer Science, Medicine, Law, Education, Health... Study at your own pace , conveniently from home .

National Research Nuclear University MEPI

University rankings (19)

Peoples' Friendship University of Russia

Bauman Moscow State Technical University

University rankings (16)

National University of Science and Technology "MISIS"

University rankings (15)

Sechenov First Moscow State Medical University

University rankings (14)

Plekhanov Russian University of Economics

Finance Academy under the Government of the Russian Federation

University rankings (10)

MGIMO University

University rankings (6)

National Research University Moscow Power Engineering Institute

University rankings (9)

Moscow Aviation Institute (National Research University)

Russian National Research Medical University

University rankings (7)

Russian Presidential Academy of National Economy and Public Administration

University rankings (8)

Mendeleev University of Chemical Technology of Russia

Moscow Institute of Electronic Technology

Moscow State University of Civil Engineering

Skolkovo Institute of Science & Technology

Russian State University for the Humanities

Russian Technological University MIREA

University rankings (12)

Russian State University of Oil and Gas

University rankings (11)

Russian State Agricultural University

Moscow Polytech

Moscow State Pedagogical University

Moscow State Technological University "Stankin"

Moscow Technical University of Communications and Informatics

University rankings (5)

Russian State Social University

University rankings (4)

Moscow City Teachers' Training University

University rankings (3)

Moscow State University of Food Production

New Economic School

Moscow State University of Psychology and Education

University rankings (2)

Moscow State Regional University

University rankings (1)

Moscow State Linguistic University

Russian State Geological Prospecting University

Russian New University

Moscow State University of Railway Engineering

Moscow State University of Technology and Management

Pushkin State Russian Language Institute

Moscow State Technical University of Civil Aviation

Moscow State University of Geodesy and Cartography

Moscow University for the Humanities

Moscow Tchaikovsky Conservatory

Saint Tikhon's Orthodox University

State University of Land Management

Gaidar Institute for Economic Policy

Modern University for the Humanities

Moscow International Higher Business School

Moscow State University of Design and Technology

Moscow Metropolitan Governance University

Highest subject rankings of universities in moscow, moscow key facts for international students.

49 out of 69 Universities in Moscow Ranked in at least one ranking

24 Different Rankings list Universities in Moscow (18 institution and 6 subject rankings)

16 Global Rankings rank Universities in Moscow Among TOP 200

Population: 10382000

Time: GMT +3

District/province: Moscow,

* 100 = prices in London

Living costs without accommodation 61* (39% cheaper than London)
All costs including accommodation 57* (43% cheaper than London)
Meals (grocery & lower cost restaurants) 59* (41% cheaper than London)
Average Big Mac price 186.96 RUB

Residential voltage: 230 V
Frequency: 50 Hz

Map with location of universities in Moscow

Useful related pages

What is the best ranked university in Moscow?

What university in moscow is listed in most university rankings, what university in moscow is best ranked for studying business, what university in moscow is best ranked for studying languages & literature, what university in moscow is best ranked for studying natural sciences, what university in moscow is best ranked for studying mathematics, what university in moscow is best ranked for studying education, what university in moscow is best ranked for studying social studies & humanities, what university in moscow is best ranked for studying engineering, what university in moscow is best ranked for studying law, what university in moscow is best ranked for studying computer science, what university in moscow is best ranked for studying medicine & health, what university in moscow is best ranked for studying agriculture, ranking publishers, british quacquarelli symonds, uk, qs world university rankings (published: 27 june, 2023).

Academic Reputation 40% Employer Reputation 10% Faculty/Student Ratio 20% Citations per faculty 20% International Faculty Ratio 5% International Student Ratio 5%

view methodology

QS Employability Rankings (Published: 23 September, 2021)

Employer reputation 30% Alumni outcomes 25% Partnerships with Employers per Faculty 25% Employer/Student Connections 10% Graduate employment rate 10%

QS 50 under 50 (Published: 24 June, 2020)

Based on the QS World University rankings methodology, the top 50 universities that are under 50 years old.

QS University Rankings: EECA Emerging Europe & Central Asia (Published: 15 December, 2021)

Academic reputation 30% Employer reputation 20% Faculty/student ratio 10% Papers per faculty 10% International research network 10%

QS University Rankings BRICS (Published: 06 May, 2019)

Academic reputation 30% Employer reputation 20% Faculty/student ratio 20% Staff with a PhD 10% Papers per faculty 10%

QS World University Rankings: Sustainability (Published: 26 October, 2022)

Cwur center for world university rankings, cwur center for world university rankings (published: 25 april, 2022).

Research Performance: 40%

Research Output: 10%
High-Quality Publications: 10%
Influence: 10%
Citations: 10%

Quality of Education: 25%

Alumni Employment: 25%

Quality of Faculty: 10%

Centre for Science and Technology Studies, Leiden University, Netherlands

Cwts leiden ranking (published: 22 june, 2022).

Scientific Impact Number of Publications Collaboration Open Access Gender Diversity

NTU ranking

Ntu performance ranking of scientific papers (published: 11 july, 2023).

Research Productivity: 25%

# Articles last 11 years: 10%
# Articles current year: 15%

Research Impact: 35%

# Citations last 11 years: 15%
# Citations last 2 years: 10%
Average # citations last 11 years: 10%

Research Excellence: 40%

H-index last 2 years: 10%
# Highly cited papers last 11 years: 15%
# Articles current year in high-impact journals: 15%

Nature Index

Nature index - young universities (published: 08 december, 2021), rur ranking agency (moscow, russia), rur world university rankings (published: 25 may, 2023).

Teaching: 40%

Ratio Faculty/Student: 8%
Ratio Faculty/Bachelor Degrees Awarded: 8%
Ratio Faculty/Doctoral Degrees Awarded: 8%
Ratio Doctoral Degrees Awarded/Bachelor Degrees Awarded: 8%
World Teaching Reputation: 8%

Research: 40%

Citations per Academic/Research Staff: 8%
Doctoral Degrees per Accepted PhD: 8%
Normalized Citation Impact: 8%
Papers per Academic/Research Staff: 8%
World Research Reputation: 8%

International Diversity: 10%

International Faculty: 2%
International Students: 2%
International Co-Authored Papers: 2%
Reputation Outside Geographical Region: 2%
International Level: 2%

Financial Sustainability: 10%

Institutional Income per Faculty: 2%
Institutional Income per Student: 2%
Papers per Research Income: 2%
Research Income per Academic/Research Staff: 2%
Research Income per Institutional Income: 2%

RUR Academic Rankings (Published: 25 May, 2023)

Normalized citation impact (Citations of research publications from all university authors compared with world averages) 20% Citation per papers 20% Papers per academic and research staff 20% International research reputation 20% Share of research publications written in international co-authorship 20%

RUR Reputation Ranking (Published: 25 May, 2023)

Teaching Reputation 50% Research Reputation 50%

Scimago Institutions

Scimago institutions rankings (published: 06 march, 2023).

Research 50% Innovation 30% Societal 20%

ShanghaiRanking Consultancy

Arwu academic ranking of world universities - shanghairanking (published: 15 august, 2023).

Quality of Education 10%

Alumni winning Nobel Prizes/Field Medals 10%

Quality of Faculty 40%

Staff winning Nobel Prizes/Field Medals 20%
Highly Cited Researchers 20%

Research Output 40%

Papers published in Nature and Science 20%
Papers indexed in Science Citation Index-Expanded & Social Science Citation Index 20%

Per Capita Performance 10%

THE Times Higher Education, UK

The world university rankings (published: 27 september, 2023).

30% Teaching (the Learning Environment)

Reputation survey: 15%
Staff-to-student ratio: 4.5%
Doctorate-to-bachelor’s ratio: 2.25%
Doctorates-awarded-to-academic-staff ratio: 6%
Institutional income: 2.25%

30% Research (Volume, Income and Reputation)

Reputation survey: 18%
Research income: 6%
Research productivity: 6%

30% Citations (Research Influence)

7.5% International Outlook (Staff, Students and Research)

Proportion of international students: 2.5%
Proportion of international staff: 2.5%
International collaboration: 2.5%

2.5% Industry Income (Knowledge Transfer)"

THE World Reputation Rankings (Published: 16 November, 2022)

Research Reputation 66,6% Teaching Reputation 33,3%

THE Emerging Economies University Ranking - Times Higher Education (Published: 19 October, 2021)

Teaching 30% Research (volume, income and reputation) 30% Citations 20% International outlook (staff, students, research) 10% Industry income (knowledge transfer) 10%

THE Young University Rankings (Published: 03 July, 2023)

Teaching 30% Research (volume, income and reputation) 30% Citations 30% International outlook (staff, students, research) 7.5% Industry income (knowledge transfer) 2.5%

THE World University Impact Rankings - Overall (Published: 01 June, 2023)

The china subject ratings overall (published: 11 may, 2022), urap world ranking - university ranking by academic performance (published: 28 november, 2022), us news: best global universities (published: 24 october, 2022), webometrics, webometrics ranking web of universities (published: 31 july, 2023).

Visibility 50% Excellence 35% Transparency 10% Presence 5%

Who is Ascent Best For?

How to Apply for an Ascent Student Loan

Types of student loans offered by ascent.

Ascent Student Loans FAQs

Compare Ascent Student Loans

Why You Should Trust Us

Ascent Student Loans Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews.

Ascent provides a variety of repayment term lengths on its student loans and low minimum interest rates on fixed-rate loans. You may also qualify for a 1% cash-back reward that will be paid to you after graduation.

Ascent Ascent Undergraduate Cosigned Credit-Based Loan

6.22% - 16.08% variable and 4.09% - 15.66% fixed (with AutoPay discount)

Undisclosed

Check mark icon A check mark. It indicates a confirmation of your intended interaction. No prepayment or origination fees
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low minimum fixed rate APR
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Many options for repayment term length
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Multiple ways to contact customer support
Check mark icon A check mark. It indicates a confirmation of your intended interaction. May be eligible without a cosigner
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cashback reward after graduation
con icon Two crossed lines that form an 'X'. Credit check required
con icon Two crossed lines that form an 'X'. Late payment fee
Apply through your computer
Customer service available via phone, email, and physical mail
Provided you are eligible, you'll receive 1% of your initial loan balance as a cashback bonus after graduation
Five, seven, 10, 12, 15, or 20-year repayment terms available (20-year term only available for variable loans)
Undisclosed late fees
Loan minimum of $2,001*, maximum up to 100% cost of attendance per term
*The minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001.
Overall maximum loan amount of $200,000
Loans made through Bank of Lake Mills, Member FDIC

Ascent Student Loans

Ascent is a good option for borrowers who are looking for a wide range of repayment options and want to avoid some fees. You can take as many as 15 or as few as five years to pay back an undergraduate student loan from Ascent. The lender also allows you to either defer payments, make smaller payments, or pay interest only while enrolled in school. Ascent also doesn't charge an origination fee or a fee for paying back your loan early.

You can get a loan with or without a cosigner, but you'll need to qualify based on your income and credit if you don't have one. You can apply to release your cosigner after two years of consecutive, on-time payments.

Before you apply for any private student loan from Ascent or any other lender, first seek out federal student loan options . You can usually get better terms and protections through the government.

You need to meet the following qualifications to get a student loan :

Be a US citizen, permanent resident, a temporary resident with an eligible cosigner, or have DACA status
Be enrolled in a school within Ascent's network half-time or more
Pass a credit check or have a cosigner who can pass one
Have a minimum income of $24,000 for the current and previous year from you or your cosigner
Without a cosigner, have two years of credit history

There are several options for contacting Ascent's customer support. You can call the company from 6:00 a.m. to 6:00 p.m. PST Monday through Thursday, or 7:00 a.m. to 4:00 p.m. PST on Friday and Saturday. You can also email the lender, or send physical mail to its address in San Diego.

1. Collect the required documents and information. This includes your Social Security number, your school of enrollment, your major field of study, the loan amount you need, your address, and certain financial documents.

2. Fill out Ascent's online application . You can complete the application in just several minutes. After doing so you'll get your prequalified rates without affecting your credit score.

3. Review loan offers and pick the one you can afford. After you submit your information, Ascent will give you different term options. A shorter term length means larger monthly payments — but you'll save more in interest.

4. Accept your loan terms and plan for repayment . After you sign the document accepting your loan terms, your loan will be approved and funded. Make sure you've worked your loan payments into your budget — late payment may add significant costs to your loan.

Ascent Student Loans Pros and Cons

Many repayment term lengths . You'll have a choice between five, seven, 10, 12, 15, or 20-year repayment terms (20-year term only available for variable loans).
No origination fee or prepayment penalty . Origination fees can add to the overall cost of your loan and increase the cost of your borrowing. Ascent doesn't charge those fees.
Low minimum fixed interest rates . Ascent has competitive minimum fixed interest rates on its student loans.
May qualify without a cosigner . Ascent has options for borrowers who want to qualify for a loan without a cosigner. Generally, you'll pay higher rates, but it's an option many lenders don't offer.
Cash-back reward . Provided you are eligible, you'll receive 1% of your initial loan balance as a cashback bonus after graduation
Late payment penalty . Ascent charges undisclosed late fees on its student loans.
Higher rates for non-cosigned loans . While loans that aren't cosigned may be easier to qualify for, the trade off is that you'll pay higher rates.

Ascent Student Loans Repayment Options

You have three options to repay your Ascent student loan after you've taken it out: deferred, minimum, and interest-only. Each option has its advantages for different types of borrowers.

With deferred payments, you won't pay off any of your balance until after the grace period, so it will be the most expensive option as a whole. Interest-only payments will cost the most while you're in school, but it will cost the least overall because you won't accrue any interest while in school.

Ascent has student loans for many degree types, including:

Undergraduate

Ascent Undergraduate Student Loans

Ascent has several repayment options for its undergraduate loans, with terms of five, seven, 10, 12, and 15 years available. The minimum rates on its fixed undergraduate student loans are lower than many competitors' rates. You may qualify for a 1% cash-back reward with Ascent after graduating.

Ascent Graduate Student Loans

Ascent's graduate student loans have repayment terms of five, seven, 10, 12, 15, and 20 years available. Ascent has a lower minimum APR on fixed loans than many other competitors do on its graduate loans, but its maximum APRs on both fixed and variable are higher than what you can find elsewhere.

Ascent Student Loans FAQs

Ascent provides as much as $200,000 for undergraduate and graduate credit-based Loans and $20,000 for undergraduate non-cosigned outcomes-based loans.

Ascent says international students attending US colleges and universities may be eligible for its private student loans.

Private student loans, including those from Ascent, don't qualify for federal student loan forgiveness programs. However, the company says its loans may be forgiven if the borrower is permanently and severely disabled or dies.

Ascent allows you to pay off your student loans early without penalty.

Ascent requires you to maintain GPA of at least 2.9 and meet your school's satisfactory academic performance in order to qualify for its student loans.

Ascent has an A+ from the Better Business Bureau, the organizations highest rating. However, an excellent BBB rating doesn't guarantee you'll have a good experience. Be sure to check online customer reviews and see if any of your friends and family have experiences with the lender.

Ascent has low minimum fixed rates, but higher minimum rates on variable loans than comparable lenders — though your rates will depend on your unique financial situation. However, if you or your cosigner don't have the best credit score, Ascent's maximum rates on both variable and fixed undergraduate loans are lower than competitors. Here's how Ascent compares:

Ascent Student Loans vs. College Ave Student Loans

College Ave Undergraduate Student Loans is the only company among the three competitors listed here that allows you to make full payments on your loan while you're in school. All three comparable competitors offer deferred, fixed, and interest-only repayment options.

You can pick a repayment term length of five, eight, 10, or 15 years with College Ave undergraduate loans, while Ascent offers term lengths of five, seven, 10, 12, and 15 years.

College Ave Student Loans

Ascent Student Loans vs. Sallie Mae Student Loans

While Ascent offers term lengths of five, seven, 10, 12, and 15 years on its undergraduate loans, Sallie Mae Undergraduate Student Loans will assign you a term length of either five, 10, or 15 years.

Sallie Mae Student Loan Review

Why You Should Trust Us: How We Rated Ascent Student Loans

We rate all student loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:

Interest rate (20% of rating)
Fees (20% of rating)
Term lengths (15% of rating)
Repayment options while in school (15% of rating)
Borrower accessibility (15% of rating)
Customer support (7.5% of rating)
Ethics (7.5% of rating)

Each category's weighting is determined based on its importance to your borrowing experience. Rates and fees have the most significant impact on the total cost of your loan, so we weigh those the most heavily. Customer support and ethics are still crucial parts of the borrowing experience, but do not directly tie to a student loan's terms, so they have less of an impact on the overall rating.

Read more about how we rate student loans »

Ascent Student Loans are funded by Bank of Lake Mills, Member FDIC.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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