Good to know
- Home students, and currently EU students, can apply for a Maintenance Loan from the UK government to cover their living costs
- These loans don't have to be paid back until your son or daughter has left university and is earning over the repayment threshold
How much does it cost to study in London?
Rent, food, travel and leisure activities are some of the major costs your son/daughter will need to plan for whilst at university.
Means-tested Maintenance Loans from the UK government are available to help Home students cover their living costs.
Currently, EU students who have lived in the UK for over five years, and who are applying for a course in the 2019 and 2020 academic years, can apply for a Maintenance Loan. The UK government has not yet confirmed whether this will continue after the UK leaves the EU.
Below is a guide to living costs at Imperial for one academic year (39 weeks)*. This does not include tuition fees or extra course costs such as books, field trips and protective clothing like lab coats. Actual costs may vary according to lifestyle and your son or daughter’s ability to budget effectively.
Please bear in mind that students living in private accommodation normally need to sign a 52-week contract.
|Weekly (£)||39 weeks (£)|
|Accommodation and utilities: College Halls of Residence1||1782||6,960|
|Accommodation and utilities: Private-sector Housing||176||6,8643|
|Travel (Zones 1–3 with 18+ Student Oyster) annual cost is based on monthly travel cards||28.80|| 995.405
|Personal and leisure||43||1,677|
Total 1 £305
Total 2 £308
1 Based on rents for 2018-19. Costs for 2019-20 will be displayed on our website once confirmed.
2 This £177 average cost includes a £2 weekly contribution to the Activities Fund. 65% of rooms in College accommodation cost less than the weekly average of £177.
3 Students choosing to live in private accommodation may be required to commit to a 52-week contract and therefore may need to budget for 52 weeks of accommodation costs.
4 Figures taken from a Student Experience Survey 2018 of Imperial students.
Updated: January 2019
How do Maintenance Loans work?
Home students, and currently EU students, can borrow money from the UK government towards their living costs in the form of a means-tested Maintenance Loan. The amount your son or daughter is eligible for will depend on their household income, as well as the UK government funding arrangements where they live.
From 2019 the maximum loan amount for Home students studying in London with household incomes of £25,000 or less a year will be:
- £11,672 per year if they’re living away from home
- £7,529 per year if they’re living at home
These loans are administered through the Student Loans Company, and paid directly into your son or daughter’s bank account in three instalments (one per term) each year.
Loan repayments begin the April after your son/daughter has left university, and only when they are earning above the repayment threshold.
The amount they pay back each month is linked to how much they're earning, not how much they owe in total. Repayments are currently calculated at 9% of the amount they earn over the threshold.
Find out more about how loan repayment works.
How to apply
Your son/daughter can apply for a Maintenance Loan at the same time as the Tuition Fee Loan, through his/her local funding authority:
Applying for the means-tested Maintenance Loan also means they can be considered for our generous Imperial Bursary scheme.
Students from Wales, Scotland and Northern Ireland may be entitled to maintenance grants or bursaries, which do not need to be repaid. Your son/daughter can apply for these through their regional funding body.
UK students who face additional costs due to a disability or dependants may be able to apply for additional government funding.
Would it be better for my son/daughter to live at home?
Living at home is one way to reduce day-to-day living costs and the total amount your child needs to borrow. However, it wouldn't reduce the amount your son/daughter had to repay per month on their loan because repayments are based on how much they are earning, not how much they borrowed.
It is also worth bearing in mind that your son/daughter would have to make more of an effort to get involved with university life if they lived at home, and may feel that they were missing out on an important part of the university experience by doing so.
For more information on loans and grants, please visit our Fees and Funding webpages.