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If you have children while studying, help is available. You may be able to get support through the Childcare Grant - but it depends on your situation. Here’s how it works and what to expect.
What help can I get with childcare costs?
Most students can get support through the Childcare Grant from Student Finance England (SFE). This can cover up to 85% of your childcare costs, but it’s means-tested, and not everyone will be eligible.
How does the Childcare Grant work?
The Childcare Grant is calculated as a yearly amount and paid through a separate system. Here’s how it works in practice:
- your grant is paid to the Childcare Grant Payment Service (CCGPS)
- your childcare provider sends invoices directly to CCGPS
- you’ll be asked to approve each payment.
The cost is then split:
- 85% is paid from your grant (up to a weekly cap)
- 15% (plus anything above the cap) is paid by you.
It’s a good idea to check with your childcare provider how often they invoice (weekly or monthly).
What happens if I don’t use all the grant?
Any unused money at the end of the year goes back to Student Finance England, it is not paid to you or your childcare provider.
How much could I get?
The amount you receive depends on:
- your household income
- your childcare costs
- how many dependent children you have.
You could get 85% of your childcare costs or a fixed maximum amount, whatever is less. For a full breakdown please visit the government’s website.
Am I eligible?
The Childcare Grant is means-tested.
- if your household income is over £20,000, you’re less likely to be eligible
- income over £9,500 may reduce the amount you receive.
What other support can I access?
Turn2us is a national charity providing help to people who are struggling financially. They have a helpful benefits calculator and grants search.
Citizens Advice is a national charity that gives you practical advice you can trust. They offer advice online, in person and over the phone for free.
Can the Guild help me?
If you’re not sure what you’re entitled to, our Guild Advice team can help you work it out. They can:
- explain your options
- talk through your situation
- help you understand what support you might get
Email advice@exeterguild.com or complete our enquiry form.
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