๐ŸŽ“โœจ

Your Degree.
Fully Funded.
No Upfront Costs.

We help UK residents find the perfect university course โ€” with your tuition and living costs covered by Student Finance England. Our service is completely free for students.

โœ… Free Service
๐Ÿ›๏ธ Accredited Degrees
๐Ÿ’ฐ Full Funding Available
๐Ÿ“… Flexible Schedules

Why Choose Spec Study?

We make university accessible. Our service is 100% free for students โ€” we guide, support, and simplify the entire process from enquiry to enrolment.

๐Ÿ†“

100% Free Service

We never charge students a penny. Our service is funded by partner universities, so you get expert guidance at zero cost โ€” no hidden fees, no catch.

๐Ÿ“‹

We Handle the Paperwork

Student Finance applications can be confusing. We help you fill everything out correctly โ€” making sure you claim every grant and loan you're entitled to.

๐Ÿ“…

Flexible Schedule

Many courses require just 2 days a week on campus. Ideal for working adults, parents, and career changers โ€” study fits around your life, not the other way round.

๐Ÿ“

4 Cities Across the UK

Study at campuses in London, Manchester, Birmingham, and Leeds โ€” all accessible by public transport. Find a location that works for you.

๐Ÿ’ฐ Your Student Finance Entitlement

As a UK resident, you could be eligible for full funding through Student Finance England. Here's what's available for the 2025/26 academic year.

๐Ÿซ

Tuition Fee Loan

Up to ยฃ9,250 per year

Covers 100% of your tuition fees. Paid directly to the university โ€” you never see the bill. Available regardless of household income.

๐Ÿ 

Maintenance Loan โ€” Living at Home

Up to ยฃ8,877 per year

Covers your living costs while you study. Paid directly into your bank account in three instalments across the year.

๐Ÿข

Maintenance Loan โ€” Away from Home

Up to ยฃ10,544 per year

Higher rate if you live away from home outside London. Helps cover rent, bills, food, and study materials.

๐Ÿ™๏ธ

Maintenance Loan โ€” London

Up to ยฃ13,762 per year

The highest Maintenance Loan rate for students studying at a London campus. Reflects the higher cost of living in the capital.

๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง

Parents' Learning Allowance

Up to ยฃ2,024 per year

Non-repayable grant. Extra help for full-time students with dependent children โ€” on top of your Maintenance Loan. Income-assessed.

๐Ÿง’

Childcare Grant

Up to 85% of childcare costs

Up to ยฃ199.62/week for 1 child or ยฃ342.24/week for 2 or more children. Non-repayable โ€” you never pay this back. Income-assessed.

๐Ÿง‘โ€๐Ÿคโ€๐Ÿง‘

Adult Dependants' Grant

Up to ยฃ3,545 per year

Non-repayable grant. For students with an adult who depends on them financially โ€” such as a partner or elderly relative.

โ™ฟ

Disabled Students' Allowance

Extra Support Available

Non-repayable. Covers specialist equipment, non-medical helper support, and extra travel costs based on individual needs โ€” not household income.

๐Ÿ“‹ How Does Repayment Work?

You only start repaying when you're earning ยฃ25,000 or more per year (Plan 5). You repay just 9% of the amount above ยฃ25,000 โ€” not your whole salary.

โœ… Any remaining balance is written off completely after 40 years.
If your income drops below the threshold, repayments stop automatically. It works more like a graduate contribution than a traditional loan โ€” most graduates will never repay the full amount.

๐Ÿ›๏ธ Study Providers & Courses

Explore our partner institutions below. Each one offers flexible, career-focused degrees designed for real people โ€” not just school leavers.

QA University

๐Ÿ“ London, Manchester, Birmingham ๐Ÿ• 1 day campus + 1 day online / week
๐Ÿ“… October & July Start Dates
October Intake Southampton Solent University
๐Ÿ’ป Cyber Security ๐Ÿง  Psychology ๐Ÿ’ป Computer Science
October Intake Ulster University (Level 3 required)
๐Ÿ’ป Computing Systems ๐ŸŒ Global Business
October Intake Northumbria University (Level 3 required)
๐Ÿค– Computing with AI Tech ๐Ÿ” Computing with Cyber Security Tech ๐Ÿ“Š Computing with Data Science & Big Data Tech ๐Ÿ–ฅ๏ธ Computing with IT Management
July Intake London Metropolitan University
๐Ÿ’ผ Business Management ๐Ÿฅ Health and Social Care ๐Ÿ“Š Data Science ๐Ÿ—๏ธ Construction Management

LSC โ€” London School of Commerce

๐Ÿ“ London, Birmingham ๐Ÿ• 4 hours/week (2 days ร— 2 hours)
๐Ÿ“… August Start
August Intake Canterbury Christ Church University
๐Ÿ’ผ Business Management ๐Ÿฅ Health and Social Care

โšก The most flexible option available โ€” just 4 contact hours per week. Perfect if you're working full-time, caring for family, or need the lightest possible schedule.

GBS โ€” Global Banking School

๐Ÿ“ London, Manchester, Birmingham, Leeds ๐Ÿ• 2 days/week campus (4.5h/day)
๐Ÿ“… September Start โ€” Weekend & Evening Options Available
Canterbury Christ Church University
๐Ÿ’ผ Business & Tourism Management ๐Ÿ“Š Accounting & Finance
Bath Spa University
๐Ÿ—๏ธ Construction Management ๐Ÿ“‹ Project Management ๐Ÿง  Counselling Psychology ๐Ÿ’ป Computing
Oxford Brookes University
๐Ÿฅ Health & Social Care
University of Suffolk
๐ŸŒ Global Business

Universal Higher Education

๐Ÿ“ London (Greenwich) ๐Ÿ• Online + limited campus
๐Ÿ“… July Start

Hybrid schedule: Online sessions Monday evenings 6โ€“8PM + every other Tuesday + 2 Saturdays per month on campus 9AMโ€“6PM.

University of Roehampton
๐Ÿ’ผ Business Management with Foundation Year ๐Ÿ“ˆ Business Management & Marketing with Foundation Year

University of Greenwich

๐Ÿ“ London ๐Ÿ• 20 hours/week campus (3 days/week) โš ๏ธ Level 3 qualifications required
๐Ÿ“… July Start
Business & Management
๐Ÿ“Š Accounting & Business Analytics ๐Ÿ’ฐ Business Management (Finance) ๐Ÿš€ Entrepreneurship & Innovation ๐Ÿ“ฆ Business Logistics & Supply Chain ๐Ÿ“ˆ Business Management (Marketing) ๐Ÿ“‰ Business Economics ๐Ÿ›๏ธ Economics ๐Ÿ‘ฅ HR Management & Development ๐ŸŽ‰ Event Management & Innovation โœˆ๏ธ International Tourism & Hospitality Management ๐Ÿ“ฑ Digital Marketing & Brand Management
Engineering & Computing
โšก Computer Engineering ๐Ÿ”Œ Electrical & Electronic Engineering โš™๏ธ Mechanical Engineering ๐Ÿ’ป Computer Science ๐ŸŒ Computer Science (Networking) ๐Ÿ” Computer Science (Cybersecurity) ๐Ÿ“Š Computer Science (Data Science) ๐ŸŽฎ Computer Science (Games) ๐Ÿค– Computer Science (AI) ๐ŸŽฎ Games Design & Development ๐Ÿ–ฅ๏ธ Computing
Sciences & Health
๐Ÿงฌ Biology ๐Ÿ” Forensic Science ๐Ÿ” Forensic Science (Criminology) ๐ŸŽ Human Nutrition & Health ๐Ÿ’Š Pharmaceutical Sciences ๐Ÿƒ Physical Education & Sport ๐Ÿง  Psychology ๐Ÿง  Psychology (Counselling) ๐Ÿฅ Public Health ๐Ÿ’ช Sport & Exercise Science
Law & Social Sciences
โš–๏ธ Law ๐Ÿ” Criminology & Criminal Justice ๐Ÿ›๏ธ Sociology ๐ŸŒ Politics & International Relations

๐Ÿ“… Study That Fits YOUR Life

From the lightest schedule to a more immersive experience โ€” choose what works for you. All courses lead to a full UK undergraduate degree.

โฑ๏ธ
4h/week
2 days ร— 2 hours on campus
LSC London School of Commerce
๐Ÿ“…
2 days/week
1 day campus + 1 day online
QA University
๐Ÿซ
2 days/week
4.5 hours/day on campus
GBS โ€” weekend & evening options
๐Ÿ’ป
Hybrid
Online + 2 Saturdays/month
Universal Higher Education
๐Ÿ“š
3 days/week
~20 hours/week on campus
University of Greenwich

Working adults, parents, and career changers โ€” our students come from all walks of life. Whether you need the lightest possible schedule or you're ready to dive in full-time, there's a course that fits.

How It Works

Four simple steps from enquiry to enrolment. We're with you every step of the way โ€” completely free.

1

Contact Us on WhatsApp

Send us a message โ€” tell us about yourself, your interests, and your availability. No commitment, just a friendly chat.

2

We Find Your Perfect Course

Based on your interests, location, and schedule, we match you with the right degree programme from our partner institutions.

3

We Help With Your SFE Application

We guide you through the entire Student Finance England application โ€” helping you claim every grant and loan you're entitled to.

4

Start Your Degree โ€” Fully Funded!

Once your finance is approved and your place is confirmed, you're ready to begin. Your tuition is covered. Your future starts here. ๐ŸŽ“

โ“ Frequently Asked Questions

Everything you need to know about Student Finance, eligibility, and how Spec Study helps.

To be eligible, you must be a UK national or have settled status, have been living in the UK for at least 3 years before starting your course, and be studying a qualifying course at a recognised institution. EU and international students may have different eligibility โ€” contact us and we'll help you check.

Yes โ€” under the Plan 5 repayment system, you only start repaying when your income exceeds ยฃ25,000 per year. You then repay 9% of the amount above ยฃ25,000 (not 9% of your total salary). If your income drops below ยฃ25,000 at any point, repayments stop automatically. After 40 years, any remaining balance is written off entirely. Most graduates never repay the full amount.

Most of our courses offer a Foundation Year entry route โ€” designed specifically for people who don't have traditional qualifications. The Foundation Year builds your academic skills and subject knowledge before you progress to the full degree. You don't need A-Levels or BTECs for Foundation Year entry. We'll help find the right pathway for your situation.

Yes โ€” 100% free for students. We are a student recruitment service. Our income comes from our partner universities, who pay us a commission when we help a student enrol. You never pay us anything โ€” not now, not later. There are no hidden fees and no catches.

Absolutely. Many of our courses are designed for working adults. LSC requires just 4 hours per week (2 days ร— 2 hours). QA University runs 1 day on campus and 1 day online. GBS offers weekend and evening options. Even the most intensive option (University of Greenwich) is 3 days per week. Our students regularly balance work, family, and study.

If you have dependent children, you could be eligible for the Parents' Learning Allowance (up to ยฃ2,024/year, non-repayable) and the Childcare Grant covering up to 85% of childcare costs (up to ยฃ199.62/week for 1 child or ยฃ342.24/week for 2+). If you have an adult dependant, the Adult Dependants' Grant provides up to ยฃ3,545/year โ€” also non-repayable. These are grants, not loans โ€” you never pay them back.

We offer courses in London, Manchester, Birmingham, and Leeds. Each provider has different campus locations โ€” QA University covers London, Manchester, and Birmingham. LSC is in London and Birmingham. GBS is in all four cities. Universal Higher Education is in London (Greenwich), and University of Greenwich is also in London.

Student Finance England typically takes 6โ€“8 weeks to process applications once submitted. The university application and enrolment can usually be completed in 2โ€“4 weeks. We recommend contacting us at least 2โ€“3 months before your preferred start date. The sooner you reach out, the smoother the process โ€” and we handle most of the paperwork for you.

There is no upper age limit for university or Student Finance. Our students range from 18 to 50+. Many are mature students returning to education after years in work or raising a family. Student Finance England funding is available regardless of age โ€” the only age-related rule is that you must be under 60 on the first day of your course to get a Maintenance Loan (Tuition Fee Loans have no age cap).

Student Finance England offers extensive support for students with children and dependants. The Childcare Grant covers up to 85% of registered childcare costs, the Parents' Learning Allowance provides extra money for course-related costs, and the Adult Dependants' Grant supports students caring for an adult. These are all grants โ€” meaning they're non-repayable. Combined with flexible study schedules (as little as 4 hours/week), studying as a parent is more achievable than you might think.

Got another question? We're happy to help! ๐Ÿ’ฌ Ask Us on WhatsApp

Ready to Start Your Journey? ๐Ÿš€

Your degree could be fully funded. Send us a message on WhatsApp โ€” it takes 30 seconds, and it could change your life.

๐Ÿ“ง info@specstudy.co.uk
๐Ÿ“ž +447393199352

๐Ÿ“ Campuses: London ยท Manchester ยท Birmingham ยท Leeds

Chat with us! ๐Ÿ’ฌ
Quick Search

All Courses at a Glance

Filter by category to find your perfect match. Every course is eligible for full Student Finance funding.

BusinessBusiness ManagementLondon Metropolitan UniQA University โ€” July
BusinessGlobal BusinessUlster UniversityQA University โ€” Oct (L3 req.)
BusinessBusiness ManagementCanterbury Christ Church UniLSC โ€” August
BusinessBusiness & Tourism ManagementCanterbury Christ Church UniGBS โ€” September
BusinessGlobal BusinessUniversity of SuffolkGBS โ€” September
BusinessAccounting & FinanceCanterbury Christ Church UniGBS โ€” September
BusinessBusiness Management with FYUniversity of RoehamptonUniversal HE โ€” July
BusinessBusiness Management & Marketing with FYUniversity of RoehamptonUniversal HE โ€” July
BusinessProject ManagementBath Spa UniversityGBS โ€” September
BusinessAccounting & Business AnalyticsUniversity of GreenwichGreenwich โ€” July (L3)
BusinessBusiness Management (Finance)University of GreenwichGreenwich โ€” July (L3)
BusinessEntrepreneurship & InnovationUniversity of GreenwichGreenwich โ€” July (L3)
BusinessBusiness Logistics & Supply ChainUniversity of GreenwichGreenwich โ€” July (L3)
BusinessBusiness Management (Marketing)University of GreenwichGreenwich โ€” July (L3)
BusinessBusiness EconomicsUniversity of GreenwichGreenwich โ€” July (L3)
BusinessEconomicsUniversity of GreenwichGreenwich โ€” July (L3)
BusinessHR Management & DevelopmentUniversity of GreenwichGreenwich โ€” July (L3)
BusinessEvent Management & InnovationUniversity of GreenwichGreenwich โ€” July (L3)
BusinessDigital Marketing & Brand MgmtUniversity of GreenwichGreenwich โ€” July (L3)
TourismInternational Tourism & HospitalityUniversity of GreenwichGreenwich โ€” July (L3)
HealthcareHealth and Social CareLondon Metropolitan UniQA University โ€” July
HealthcareHealth and Social CareCanterbury Christ Church UniLSC โ€” August
HealthcareHealth and Social CareOxford Brookes UniversityGBS โ€” September
HealthcarePublic HealthUniversity of GreenwichGreenwich โ€” July (L3)
ComputingCyber SecuritySouthampton Solent UniQA University โ€” October
ComputingComputer ScienceSouthampton Solent UniQA University โ€” October
ComputingComputing SystemsUlster UniversityQA University โ€” Oct (L3)
ComputingComputing with AI TechnologyNorthumbria UniversityQA University โ€” Oct (L3)
ComputingComputing with Cyber Security TechNorthumbria UniversityQA University โ€” Oct (L3)
ComputingComputing with Data Science & Big DataNorthumbria UniversityQA University โ€” Oct (L3)
ComputingComputing with IT ManagementNorthumbria UniversityQA University โ€” Oct (L3)
ComputingData ScienceLondon Metropolitan UniQA University โ€” July
ComputingComputingBath Spa UniversityGBS โ€” September
ComputingComputer ScienceUniversity of GreenwichGreenwich โ€” July (L3)
ComputingCS (Networking)University of GreenwichGreenwich โ€” July (L3)
ComputingCS (Cybersecurity)University of GreenwichGreenwich โ€” July (L3)
ComputingCS (Data Science)University of GreenwichGreenwich โ€” July (L3)
ComputingCS (Games)University of GreenwichGreenwich โ€” July (L3)
ComputingCS (Artificial Intelligence)University of GreenwichGreenwich โ€” July (L3)
ComputingGames Design & DevelopmentUniversity of GreenwichGreenwich โ€” July (L3)
ComputingComputingUniversity of GreenwichGreenwich โ€” July (L3)
PsychologyPsychologySouthampton Solent UniQA University โ€” October
PsychologyCounselling PsychologyBath Spa UniversityGBS โ€” September
PsychologyPsychologyUniversity of GreenwichGreenwich โ€” July (L3)
PsychologyPsychology with CounsellingUniversity of GreenwichGreenwich โ€” July (L3)
EngineeringComputer EngineeringUniversity of GreenwichGreenwich โ€” July (L3)
EngineeringElectrical & Electronic EngineeringUniversity of GreenwichGreenwich โ€” July (L3)
EngineeringMechanical EngineeringUniversity of GreenwichGreenwich โ€” July (L3)
ScienceBiologyUniversity of GreenwichGreenwich โ€” July (L3)
ScienceForensic ScienceUniversity of GreenwichGreenwich โ€” July (L3)
ScienceForensic Science with CriminologyUniversity of GreenwichGreenwich โ€” July (L3)
ScienceHuman Nutrition & HealthUniversity of GreenwichGreenwich โ€” July (L3)
SciencePharmaceutical SciencesUniversity of GreenwichGreenwich โ€” July (L3)
LawLawUniversity of GreenwichGreenwich โ€” July (L3)
LawCriminology & Criminal JusticeUniversity of GreenwichGreenwich โ€” July (L3)
ConstructionConstruction ManagementLondon Metropolitan UniQA University โ€” July
ConstructionConstruction ManagementBath Spa UniversityGBS โ€” September
SportPhysical Education & SportUniversity of GreenwichGreenwich โ€” July (L3)
SportSport & Exercise ScienceUniversity of GreenwichGreenwich โ€” July (L3)
Study That Fits YOUR Life

From 4 Hours/Week to 3 Days โ€” You Choose the Pace

Every provider offers different flexibility. Find the one that works around your job, your kids, your life.

โšก

LSC: Just 4 Hours/Week

2 days ร— 2 hours each. The lightest schedule available anywhere. Perfect if you're working full-time or juggling family.

๐Ÿ’ป

Universal HE: Mostly Online

Evening online classes + just 2 Saturdays/month on campus. Ideal for remote learners and busy professionals.

๐Ÿ“…

QA: 1 Day + 1 Online

One day on campus, one day online. A balanced mix of face-to-face learning and home study.

๐ŸŒ™

GBS: Weekends & Evenings

2 days/week with weekend and evening options. Designed for people who work Monday-Friday.

๐ŸŽ“

Greenwich: The Full Experience

3 days/week on campus. The traditional university feel โ€” best for school leavers and those wanting immersive study.

Your Journey

How It Works โ€” 4 Simple Steps

We've made the process as easy as possible. From first message to first lecture โ€” we're with you every step.

1

Message Us on WhatsApp

Tell us about yourself โ€” your situation, interests, location, and availability. Takes 2 minutes.

2

We Find Your Perfect Course

Based on your goals and schedule, we match you with the right provider, university, and course.

3

We Handle Your Student Finance

We guide you through the entire SFE application โ€” tuition loan, maintenance loan, and all grants you qualify for.

4

Start Your Degree โ€” Fully Funded!

Enrolment complete, funding secured. You start your course with everything in place. Zero upfront costs.

Success Stories

What Students Tell Us

Real experiences from people who got their degree funded and changed their lives.

โญโญโญโญโญ

"I'm a single mum of two โ€” I never thought I could afford uni. The childcare grant covered my nursery costs, and my LSC course is just 4 hours a week. I'm studying Business Management and still there for my kids every day. Game changer."

Sarah, 34
Business Management โ€” LSC, London
โญโญโญโญโญ

"I work full-time, so I needed evenings. Universal HE was perfect โ€” online classes after work, and just two Saturdays a month. My maintenance loan covers everything. I'm finally getting a degree without quitting my job."

James, 29
Business Management & Marketing โ€” Universal HE, London
โญโญโญโญโญ

"GBS weekend option was a lifesaver. I study Construction Management Saturday-Sunday and work Monday-Friday. The tuition loan covers my course, and the maintenance loan helps with bills. Best decision I've made."

Ahmed, 31
Construction Management โ€” GBS, Birmingham

These are examples of student feedback. Your experience may vary. Contact us to discuss your personal situation.

Got Questions?

Frequently Asked Questions

Everything you need to know about Student Finance, courses, and how we help.

Who is eligible for Student Finance England funding?
You're generally eligible if you've been living in the UK for 3 years before your course starts, are a UK national or have settled status, and England is your home. There are also provisions for EU settled status holders, refugees, and certain other statuses. Contact us and we'll check your eligibility for free.
Do I have to pay anything upfront?
No. The Tuition Fee Loan is paid directly to the university by Student Finance England. You don't pay a penny upfront. Maintenance loans and grants are paid directly into your bank account each term.
I don't have A-levels. Can I still apply?
Yes! Several providers offer Foundation Year options (QA Business courses, Universal HE courses). Some providers (like University of Greenwich) require Level 3 qualifications, but many don't. LSC and GBS courses are accessible with life experience and motivation. Contact us to find your route in.
How does the repayment actually work?
Under Plan 5, you repay 9% of what you earn above ยฃ25,000 per year. Example: if you earn ยฃ30,000, you repay 9% of ยฃ5,000 = ยฃ450/year (ยฃ37.50/month). If your income drops below ยฃ25,000, payments stop automatically. Anything not repaid after 40 years is written off completely.
Can I study if I have children?
Absolutely! You may qualify for the Parents' Learning Allowance (up to ยฃ2,024) and the Childcare Grant (up to 85% of childcare costs). Many providers offer extremely flexible schedules โ€” LSC at just 4 hours/week, Universal HE mostly online in evenings. You can balance study with family life.
I work full-time. Can I still study?
Yes! This is exactly what many of our providers specialise in. LSC: 4 hours/week. Universal HE: evening online classes. GBS: weekend options. QA: 1 day + 1 online. You don't need to quit your job to earn a degree.
What does Spec Study charge?
Nothing. Zero. Our service is completely free to students. We receive a commission from our partner providers when you enrol โ€” so we only succeed when you succeed. There are never any hidden fees or charges.
Which cities can I study in?
London (all 5 providers), Manchester (QA, GBS), Birmingham (QA, LSC, GBS), and Leeds (GBS). Most providers offer the same courses across their city locations.
How long does the application process take?
Once you contact us, we can typically match you with a course within a few days. Student Finance applications take several weeks to process, but we guide you through every step to avoid delays. With July, August, September, and October start dates available, there's an intake that fits your timeline.
Is there an age limit for Student Finance?
No. Student Finance England supports students of all ages. Many of our successful students are in their 30s, 40s, or 50+. Mature students often bring valuable life experience that enriches their studies. There is no upper age limit for tuition fee loans or maintenance support.
Let's Talk

Ready to Start Your Journey?

Drop us a message on WhatsApp โ€” it's the fastest way to get personalised advice. No obligation, no pressure. Just a friendly chat about your options.

๐Ÿ“ London ๐Ÿ“ Manchester ๐Ÿ“ Birmingham ๐Ÿ“ Leeds
Chat with us!๐Ÿ’ฌ