“Balancing work and study can be challenging, but it teaches valuable time management skills and provides extra income to cover living expenses,” says Paul. Personal loans sourced from banks could help fill other gaps in funding but


it’s essential to carefully consider the interest rates and repayment terms before committing to this.


Budget: your new best friend Budgeting can be time-consuming but it’s essential to do this so you can


see where you are, financially, and identify any shortfalls you have to meet. If you are applying for financial help, some funders may also want to see a budget, so have one already prepared – it could really help to speed up the application process. Set out essentials that you will need to cover on a regular basis – this includes your rent, food bills, utilities and course materials, to name a few. You want to know your sources of income, which as we’ve outlined above, could come from a range of sources: maintenance loan, grants, scholarships, family or a part-time job. “Estimate roughly how much that's going to add up to throughout the whole year, then you can start to break this down into essentials versus


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