Funding your study at UC

Student loans and allowances

Many students choose to pay for their tuition fees at UC with a student loan from the NZ Government. Some students are also eligible to receive a student allowance, which is a weekly payment that can help with living costs while studying. 

Find out if you're eligible for a student loan and allowance by completing the Eligiblity Test on the StudyLink website.

You will need to make a new application for each year of study and you are advised to get your application in early to avoid delays in completing your enrolment at UC - your enrolment at UC will only be finalised once your loan has been approved by StudyLink. UC is not involved in the administration of loans and student allowances offered through StudyLink, and if your student loan is cancelled or declined for any reason, your enrolment at UC will not be cancelled and you will be liable for any tuition fees owed. 

If you have only one or two courses to complete your qualification or have a health condition or disability that limits your ability to study full-time, you may be able to apply for "limited full-time status" with StudyLink. This allows you to undertake a reduced course load but still received the same benefit you would if you were studying full-time.

Fees Free study

You may be eligible to study fees-free in your first year of study at UC with the NZ Government's Fees Free scheme. Find out if you're eligible on the Fees Free website. You may need to complete a Statutory Declaration to prove your eligiblity - make sure you get this done early as your enrolment at UC will not be confirmed until this is done.  If you are a scholarship recipient, see how Fees Free study affects you on the Scholarships FAQs page. 


Scholarships, grants and awards are a great way of funding your university study. UC offers over $20 million in scholarships and prizes annually to help fund our students' study. Search the database for scholarships you are eligible for and check the application closing dates on the Scholarships page. 

USA Financial Loans, Federal Loans and VA Benefits

Private Loans

You may choose to fund your study at UC with a private financial loan from the US, such as a Sallie Mae Smart Option Student Loan. UC certifies the amount you can borrow based on an estimated Cost of Attendance (including your tuition fees, estimated living costs, and other study-related costs). Payments are made directly to UC and once your tuition fees have been paid, any remaining funds can be paid into your NZ bank account. Email with any questions. 

Federal Loans

UC is a Federal Student Loan Deferrment Only Institution which means you are able to defer loan repayments while enrolled at UC (full-time or at least half-time) if you have an existing federal student loan but federal loans are not available for study at UC.

VA Benefits

Veterans Affairs Benefits can be used to pay for study at UC. Once you have gained admission to UC, you will need to provide your Certificate of Eligibility to  

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