When you can expect your money

The table shows when you’ll get your first, second and third payments if you’re starting your course in September. If you have a different start date, your payment dates will be different.


First payment September 2018
Second payment January 2019
Third payment April 2019


Your money will be paid in three instalments based on the term start dates by your university or college.

You can find your expected payment dates in your online account.

Your payment checklist

To make sure you get paid on time, you need to check you have:

  • applied for student finance online
  • sent us your National Insurance number and bank details
  • given us any evidence we asked for

If your bank details need to be updated, you should do this at least four working days before your payment date.

Getting your first payment

If you’ve applied for student finance before the deadline and registered at your university or college, we’ll pay your Maintenance Loan on the date shown in your online account.

Payment statuses

When you’re logged into your account, the ‘Your finance’ page will show a status next to each of your payments. The table shows what each status means in terms of your payment.


You could be missing your bank details or we might be confirming your National Insurance number. It can take up to two weeks to confirm your National Insurance number with the Department for Work and Pensions. You’ll be paid automatically once this is done. (Find out more about why your payment might be blocked) [link to is your payment late?]

Awaiting confirmation

We’ll make your payment once your uni or college has confirmed you’ve registered for your course.


You’ll be paid on the dates shown in your online account.

Payment in progress

Your payment is on its way. It usually takes a few working days to reach your bank account.


Your payment was returned to us. Check your bank or building society details are correct.

If you can’t see your payment dates, it’s because your application hasn’t been approved yet and is still being processed. You should make sure you’ve sent us all the information we’ve asked for and keep checking back for updates.

Your first payment

You’ll be charged interest as soon as you get your first payment and throughout your course.

You’ll only start repaying your loan and any interest the April after you’ve finished or left your course, and only then when your income is over the repayment threshold.

Is your payment late?

If you’ve registered at your university or college but still haven’t got your money, don’t panic! It can take up to 5 working days for your payment to be cleared.

You might also see your payment status as blocked – this might be because:

  • we’re still checking your National Insurance number, which can take up to 10 working days before we can process your payment
  • the bank details you provided may not be correct
  • we need more evidence from you before we can process your application

To check if we have asked for more evidence from you, log into your account, go to the ‘Letters & emails’ section on the portal and you’ll see if there are any emails or letters we’ve sent you.

Questions about your first payment?

Our experts are here to help online Monday to Friday 9am-5pm and Saturday 9am-4pm to answer your questions:

  • tweet us @SF_England
  • post your question on Facebook/SF_England