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If you鈥檙e paid more student loan or grant than you鈥檙e entitled to, the Student Loans Company (SLC) will write to you to tell you what you must pay back and how to pay.

You must repay this separately from the rest of your student loan.

There鈥檚 a different process if you applied for:

How overpayments happen

You鈥檙e paid your student loan and any grants in advance at the start of each term.

If your personal circumstances or course changes SLC will check you鈥檙e still getting the right amount of finance. This is known as a reassessment.

If the reassessment finds the amount of grant or loan you鈥檙e entitled to has gone down, you鈥檒l have to pay back any extra money聽you鈥檝e received.

If you鈥檙e an undergraduate

The amount you get depends on things like:

• your household income
• the type and length of your course
• your living arrangements

You may have been overpaid if any of the following happened:

• your estimated income was lower than your actual income, for example, if you applied using a 鈥榗urrent year income assessment鈥�
• you left your course or stopped studying
• you changed course, for example you switched to a shorter course
• you changed your college or university from one in London to one outside London
• you started living with your parents
• you were being paid a Childcare Grant but are no longer responsible for the same number of children

If you鈥檙e a postgraduate

The amount you get is the amount you asked for before starting your course, up to the maximum allowed. Your eligibility for your loan depends on:

• your nationality and residence status
• the length and type of your course

You may have been overpaid if any of the following happened:

• you left your course or stopped studying
• you or your course are no longer eligible for a Master鈥檚 loan or a Doctoral loan

How to repay

If you鈥檙e still studying

You鈥檒l usually have to repay before the end of your course. Either:

• the amount you鈥檒l get for the rest of your course will be reduced, to recover the amount that was overpaid
• you must arrange to repay the money separately, either as a lump sum or in instalments

If your Childcare Grant was overpaid on or after 1 September 2019, you鈥檒l need to repay the amount after your course ends.

If you leave your course before the amount is repaid

You must repay overpayments separately from your loan repayments.

You must arrange to repay as soon as possible - there鈥檚 no minimum amount you must be earning before you have to repay.

You can repay the money:

• as a lump sum
• in instalments

If you鈥檙e having difficulty repaying

If you鈥檙e still studying

Speak to your university or college. They may be able to offer help or advice, or direct you to other organisations that can help.

If you鈥檝e spoken to your university or college and are still having difficulty because of repayments, call Student Finance England for advice.

If you鈥檝e left your course

If you鈥檝e left your course, contact SLC to discuss your situation. If you鈥檙e in 鈥榝inancial hardship鈥� they may be able to pause or delay any repayments.