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A means-tested maintenance loan can help with living expenses. At the start of the period, the loan is paid immediately into your bank account. To estimate how much you're likely to earn if you're from England (or the EU and have settled status), pre-settled status, and ILR, you can contact us. Most mature students living in London without their parents (or age 25+) will be able to get the maximum amount of £13,348. You are not required to return these loans until April after you graduate or quit your degree and earn £25,000 or more per year (£2,083 per month) before taxes and other deductions. You will then repay at a rate of 9% of your income above the threshold.