Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on 0800 011 3797
Close
Skip to content
Money Helper logo Money Helper logo Money Helper logo Money Helper logo Money Helper logo Money Helper logo
Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment
    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health
    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension
    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits

    What to do if something goes wrong with your benefits
    Benefits

    All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits Calculator

    ALL TOOLS

    Blog items heading
  • Banking

    How to choose, use and manage bank accounts
    Budgeting

    How to budget, find the best deals and switch to save money
    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit and purchases

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Types of credit

    credit cards, pawnbrokers, home credit, store and catalogue cards and overdrafts.
    Everyday money

    All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Calculator

    Credit card calculator

    ALL TOOLS

  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates
    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups
    Illness and disability

    Managing costs, extra financial support, help with work or study
    Long-term care

    Paying and getting funding, ways to pay, problems with care
    Student and graduate money

    Credit cards, bank accounts, student debts
    Talk money

    Difficult conversations, talking to teenagers, older people and partners
    Family & care

    All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits Calculator

    ALL TOOLS

  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

    Homes

    All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt

    Bills, court fines, help with debts
    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out
    Money troubles

    All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits Calculator

    Tool

    Bill prioritiser

    ALL TOOLS

  • Auto enrolment

    Introduction, how it works, all about contributions
    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging
    Pension basics

    Starting a pension, types of pension, understanding pensions
    Pension problems

    Complaints, financial help when retired, changes to schemes
    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement

    All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Calculator

    Workplace pension contribution calculator

    Tool

    Find a retirement adviser

    ALL TOOLS

  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing
    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay
    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits Calculator

    ALL TOOLS
    Blog items heading
  • Banking How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit and purchases Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Types of credit credit cards, pawnbrokers, home credit, store and catalogue cards and overdrafts.
    Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Calculator

    Credit card calculator

    ALL TOOLS
  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits Calculator

    ALL TOOLS
  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS
  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits Calculator

    Tool

    Bill prioritiser

    ALL TOOLS
  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Calculator

    Workplace pension contribution calculator

    Tool

    Find a retirement adviser

    ALL TOOLS
  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS
  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS
Home
Cymraeg
  1. Home
  2. Family & care
Family & care

Student and graduate money

Student money is more than just your student loan.

We’ve looked at credit cards, bank accounts for when you’re studying and when you graduate, and the best ways to deal with any debts you might have built up.

Young woman running with ball

Articles

Student money

  • Student and graduate bank accounts
  • University budgeting tips
  • Financial support for further education

Graduate money

  • How to deal with debts after graduation

Worried about budgeting at college or university?

Download our free leaflet Tips and tools for managing money as a student (Opens in a new window) (PDF/A, 1MB)

Popular tools and calculators

Budget Planner
Get in control of your household spending to help you see where your money’s going.
Credit card calculator
See how much a credit card will cost you or how quickly you can pay off your existing cards.
Loan calculator
Find out how much a loan will cost you or how quickly you can pay off your existing loans.
All tools & calculators
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
H.M. Government logo

MoneyHelper is provided by:

Money and Pensions Service logo
Level AA conformance, W3C WAI Web Content Accessibility Guidelines 2.1 Clear English Standard for Websites logo
  • About us
  • Getting help and advice
  • Contact us
  • Partners
  • Tools and calculators
  • Give feedback
  • Welsh language scheme
  • Blog

Follow us:

  •

© 2023 Money and Pensions Service, 120 Holborn, London EC1N 2TD. All rights reserved.

  • Terms & conditions
  • Privacy notice
  • Accessibility
  • Sitemap
  • Cookies
  • Cookie preferences Cookie preferences
Talk to us live for...
Close
Talk to us live for...
Close
Talk to us live for pensions guidance using...
Previous Close
Talk to us live for money guidance using...
Previous Close
Talk to us live for pensions guidance using the telephone
  • From overseas +44 207 932 5780
  • Self-employed 0345 602 7021
Hours
  • Mon-Fri9am-5pm
  • Sat-Sun

Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close
Talk to us live for money guidance using the telephone
  • Welsh 0800 138 7777*
  • Typetalk 18001 0800 915 4622*
  • From overseas +44203 553 2279
Hours
  • Mon-Fri8am-6pm
  • Sat, Sun andClosed

Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close
If you’ve got a serious medical condition or disability and need travel insurance.
Use our travel insurance directory to get a list of specialist providers you can contact directly, as we can't give you quotes.

Need further help? If you’ve used the directory or you need further help to find an insurer, the British Insurance Brokers’ Association can link you with a broker. Call: 0370 950 1790

Previous Close
Call us for help dealing with debt.
If you’ve missed payments and are struggling with debt, call us and press 1 to speak to one of our debt advice partners. Hours
  • Mon - Fri: 9.00am - 5.00pm
  • Sat Sun and bank holidays: Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close
Call us if you’re worried about fraud or scams and need expert guidance.
Our specialists are here to support you over the phone. Hours
  • Mon - Fri 9.00am - 5.00pm
  • Sat-Sun and Bank Holidays Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close
Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
Previous Close
Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
Previous Close
Talk to us live about pensions guidance using our web form

We aim to respond within 5 working days.

Previous Close
Talk to us live about money guidance using our web form

We aim to respond within 5 working days.

Previous Close
Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.

Previous Close