If something’s gone wrong with your student finance, it can feel stressful, especially if it’s affecting your money. The good news is that most issues can be sorted out, especially if you act early.

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Here’s what to do.

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What should I do first if there’s a problem?

Start by contacting Student Finance directly. Some issues are quick to fix. Sorting it early can prevent bigger delays later. Check your account and contact them through the Student Finance portal.

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Could something be missing from my application?

Yes. This is one of the most common causes of delays. Make sure you:

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• log into your Student Finance account regularly  

• check for any tasks or documents still needed.  

Even small missing details can hold things up.

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What should I do if my payment is delayed?

If your money hasn’t arrived when expected:

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• contact Student Finance to check what’s happening  

• let anyone affected know (e.g. your landlord if rent is due)  

For tuition fee issues, contact SID to avoid penalties.

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What if I’ve had to repeat a year?

If your course is taking longer than expected, your funding might be affected. It’s a good idea to speak to an advisor to understand what you’re still entitled to and whether any extra support is available.

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What if my situation has changed?

If something in your life changes (like income, living situation, or health), you can update your application. This is called an “in-year change of circumstances.” Contact Student Finance or an advisor to get this updated.

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What if I’m struggling to manage my money?

You’re not alone, budgeting your loan can be tough. We can help you build a simple budget and make your money go further. Check out our Budgeting Support Guide.

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Do I need to apply every year?

Yes. Your student finance doesn’t automatically renew. Make sure you apply each academic year and do it as early as possible to avoid delays.  

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What if I haven’t applied yet?

It’s not too late, but don’t wait. Apply as soon as you can via the Student Finance website. The sooner you apply, the sooner your funding can be processed.  

What if I can’t get through to Student Finance?

If phone lines are busy try the live chat/virtual assistant in your Student Finance account, it can help with common issues quickly.  

Can the Guild help me?

If you’re stuck or unsure what to do next, we’re here to help. We can:

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• talk through your situation  

• help you understand your options  

• support you in getting things sorted.

Email advice@exeterguild.com or complete our enquiry form.