Treatment of student income

The rules that provide for how student income is treated are set out in the Universal Credit Regulations 2013 (SI.No.376/2013).

NB: See below for equivalent legislation in Northern Ireland.

When student income is taken into account

Regulation 68 of SI.No.376/2013

Sets out when a person is treated as having student income.

Student loans

Regulation 69 of SI.No.376/2013

Sets out how income from student loans, including postgraduate loans, is taken into account including when the loan is not taken up in full, or at all.

Student grants

Regulation 70 of SI.No.376/2013

Sets out how income from student grants is taken into account and what disregards may apply.

Amount to be taken into account in each assessment period

Regulation 71 of SI.No.376/2013

Sets out how the student income is assigned to each assessment period that the course covers.

In Northern Ireland, SR.No.216/2016 makes provisions that are largely equivalent to those in Great Britain.

Further explanation of the legislation is set out in guidance. Please note, however, guidance is not binding and cannot override the legislation.

Advice for decision-making

Chapter H6

Sets out how student income is treated, which period it covers, and when you can be treated as having student income.

Case law​ provides further interpretation of the legislation and establishes legal precedent.

Upper Tribunal

[2023] UKUT 272 (AAC)

Income from student maintenance loan that was used to pay tuition fees did not reduce the amount to be taken into account in the calculation of income for universal credit