klarai
Guide
Student Money
The maintenance loan lands three times a year, not monthly. Rent is usually monthly. That mismatch is why a “full” account in October can be empty in November.
The three drops
SFE pays at the start of each term. Divide the year by three in your head, then again by the months in that term, or you will overspend in week one.
Rent vs leftover
If rent is more than about a third of the monthly equivalent of your loan, food and travel get squeezed. Use the calculator — then check the official figure on GOV.UK.
Not extra income
The loan is borrowed money. Interest and repayment terms depend on your plan. Klarai does not tell you whether to take the maximum.