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Means testing

Maintenance grants are subject to means testing, in every case, on the basis of the contributors' income as well as that of the student.

Calculating the Reduction on Account of Contributor's Income 

The amount of the grant is reduced by the amount shown below with reference to the total net income of the contributors in respect of maintenance grants in all cases

Net income
         £

Reduction
        £

Net income
        £

Reduction
       £

17,348

0

28,000

2,629

18,000

130

29,000

2,962

19,000

330

30,000

3,295

20,000

554

31,000

3,629

21,000

804

32,000

3,962

22,000

1,054

33,000

4,295

23,000

1,304

34,000

4,629

24,000

1,554

35,000

4,962

25,000

1,804

36,000

5,295

26,000

2,054

37,000

5,629

27,000

2,304

38,000

5,963

For intermediate amounts, the reduction is calculated as follows:- 

  • where net income exceeds £17,348 but does not exceed £19,515, a further £1 is deducted for each £5 of additional income;
  • where net income exceeds £19,515 but does not exceed £27,105, a further £1 is deducted for each £4 of additional income;
  • where net income exceeds £27,105, a further £1 is deducted for each £3 of additional income. 

In respect of Maintenance grants, the sum of £100 for each dependent child (other than the student) of the contributor in full-time education is to be deducted from the amount of the reduction.

Means Testing of Student Income for the Calculation of Maintenance Grants 

Reduction on Account of Student's Income 

If the student has unearned income in the academic year, the grant is reduced by £1 for every £1 by which the income in the academic year exceeds the relevant amount specified below:

Category of income

  £

Any scholarship, studentship, exhibition or award of a similar kind bestowed on the student in respect of the course (in pursuance of a sponsorship scheme or otherwise), except an award under these Regulations

8,000

Any payment made by the student's employer, where the student is released by the employer to attend the course

8,000

Pension

3,300

Trust income

2,000

Other unearned income (except income received by the student from renting out his or her own home)   

900

If the student is in receipt of any other benefit or allowance (except a loan) made by a Department or Statutory Board in the Island, or by a Government department, local authority or other public authority elsewhere in the British Islands, the Department may reduce the amount of the grant by the excess of the benefit or allowance over £900.

Income falling within the following categories will not be taken into account for the purpose of determining the amount of the grant:

  • remuneration for employment
  • disability pension not subject to income tax
  • payments covenanted by a parent or guardian of the student
  • payments for an educational purpose, other than to meet:
    • tuition fees
    • expenses for which an allowance is made in respect of disability
    • living and course expenses
    • child benefit in respect of dependent children of the student
    • payments made under:
      • the action scheme of the European Community for the Mobility of University Students (“ERASMUS”)
      • the European Commission programme for foreign language competence (“LINGUA”)
      • payments made to the student out of access funds held by the institution which he or she is attending.

The 'parent or guardian', in relation to a student, includes any person (other than a public authority) who has parental responsibility for him or her, or would have parental responsibility for him or her if he or she were under the age of 18.

Part-Time/Distance Learning Courses 

The amount payable by the Department in terms of part time/distance learning courses is calculated using the following table, subject to an upper limit of £6,000.

Family* net income

Percentage of fees payable

Less than £21,000

100%

£21,001 - £25,000

75%

£25,001 - £30,000

50%

£30,001 - £35,000

25%

£35,001 and over

0%

Includes the income of the student and contributors 

Contribution towards Tuition Fees where Family Income exceeds £100,000 

The universal contribution of £2,500 towards annual tuition fees is increased by 35% of that part of total gross income that exceeds £100,000 per annum, up to the full cost of tuition fees. 

If there is more than one student from a family attending College/University at the same time, the level of income above which the additional 35% becomes payable is increased by £19,285 per student. 

This additional contribution is payable by the student and/or contributors and is not covered by the loan scheme operated by the Department. 

Examples of How to Calculate the Amount of Maintenance Grant 

One student attending University/College in the UK for an undergraduate degree. 

 

  £

  £

Gross Parental Income

 

25,000

Less Taxable Allowances  

 

1,776

Net Income

 

23,224

Reduction      

 

1,360

Full maintenance grant

5,200

 

Less Reduction

1,360

 

Maintenance grant awarded

3,840

 

Two students from the same household attending University/College in the UK, both for undergraduate degrees. Because the student has a sibling also attending University/College at the same time, the calculated reduction will be apportioned between those students.  

 

  £

  £

Gross Parental Income

 

25,000

Less Taxable Allowances  

 

1,776

Net Income

 

23,224

Reduction

 

1,360

Full maintenance grant

5,200

 

Less Reduction per student

680

 

Maintenance grant awarded

4,520

 

Examples of How to Calculate the Contribution for Incomes exceeding £100,000

Family gross income of £110,000 per annum, with one student attending university/college in the UK for an undergraduate degree. Additional contribution is calculated at 35% of the £10,000 in excess of the £100,000 threshold. 

 

£

£

University tuition fee

 

9,250

Universal contribution (paid via Government loan)

2,500

 

Family income contribution (35% of £10,000)

3,500

 

Total student / family contribution

 

6,000

Fees Grant payable by Student Awards

 

3,250

Family gross income of £125,000 per annum, with one student attending University/College in the UK for an undergraduate degree. Additional contribution is calculated at 35% of the £25,000 in excess of the £100,000 threshold, but is capped to the balance of fees due after deducting the universal contribution. 

 

£

£

University tuition fee

 

9,250

Universal contribution (paid via Government loan)

2,500

 

Family income contribution (capped)

6,750

 

Total student / family contribution

 

9,250

Fees Grant payable by Student Awards

 

0

Family gross income of £125,000 per annum, with two students attending University/College in the UK, both for undergraduate degrees. Additional contribution is calculated at 35% of the £5,715 in excess of the higher threshold of £119,285. 

 

£

£

University tuition fee (2 @ £9,250)

 

18,500

Universal contribution x 2 (paid via Government loan)

5,000

 

Family income contribution (35% of £6,429)

2,000

 

Total student / family contribution

 

7,000

Fees Grant payable by Student Awards

 

11,500

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