What will your degree actually cost you? Estimate total tuition fees, accommodation, living costs and total debt at graduation.
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How This Works
Total cost = tuition fees + accommodation + living expenses × years of study. Debt at graduation = tuition loan + maintenance loan borrowed + interest accumulated. The majority of students finance the tuition via the tuition fee loan (which never appears in their bank account — it goes directly to the university) and use the maintenance loan toward accommodation and living costs.
On average, UK graduates earn £10,000–£15,000 more per year than non-graduates over a lifetime — but this varies enormously by subject and career. Medicine, law and STEM graduates tend to see strong ROI. Arts and humanities graduates typically see returns too, but over a longer timescale. Most Plan 2 graduates will never fully repay their loans — so the effective 'cost' is the monthly repayment taken from their salary for 30 years, not the total balance.