Can students get Universal Credit?
For students, and parents of students, wondering if they can claim Universal Credit.
Applies to: England, Scotland, Wales Last checked against official sources: 6 October 2026
Most full-time students cannot get Universal Credit, but some can.
- You can claim if you are responsible for a child, or live with a partner who can claim.
- You can claim if you are 21 or under, studying up to A level or equivalent, and have no parental support.
- Some disabled students can claim.
- Part-time students may claim if they are available for work.
- Student loans count as income, but the first £110 each month is ignored.
Different in Scotland, Wales or Northern Ireland
Rules may be different in:
- Northern Ireland: Check nidirect for Northern Ireland
Key facts
- Most full-time students can't claim
- Exceptions for parents and couples
- First £110 of student income ignored
- No deduction in summer holidays
Full-time students who can claim
Most full-time students cannot get Universal Credit. You can claim if any of these apply to you:
- you live with your partner and they can get Universal Credit
- you are responsible for a child, as a single person or a couple
- you are 21 or under, studying up to A level or equivalent, and do not have parental support
- you are disabled and meet the conditions below
- you have been sent a Migration Notice letter telling you to move to Universal Credit
Disabled students
You can claim while in full-time education if both of these apply:
- you were assessed as having limited capability for work by a Work Capability Assessment before your course started
- you are entitled to Personal Independence Payment, Disability Living Allowance, Attendance Allowance, or a Scottish equivalent such as Adult Disability Payment
Part-time students
You may be able to claim if you study part time and are available for work. If your course is more than 12 hours a week of non-advanced education (up to A level or equivalent), this only applies from 1 September after your 19th birthday.
Who cannot claim
If you are a full-time student and none of the situations above apply to you, you cannot usually get Universal Credit, even if you have a low income.
How student income is counted
If you can claim, your student income reduces your Universal Credit. It is spread across the monthly assessment periods of your course.
| Type of student income | Counted? |
|---|---|
| Maintenance loan | Yes, pound for pound |
| First £110 of student income each month | No, it is ignored |
| Tuition fee loans | No |
| Childcare grants | No |
| Disability-related grants | No |
| Grants for books, equipment or travel | No |
| Postgraduate Master's and Doctoral loans | 30% counts, 70% is ignored |
The maximum maintenance loan you could get is counted, even if you choose to take less.
Summer holidays
No student income is taken off if your assessment period includes the first day of the summer holidays. The same applies if you are on holiday for a whole assessment period after that.
Young people aged 16 or 17
You can claim at 16 or 17 in some cases. These include having a health condition with medical evidence, caring for someone who gets a disability benefit, being responsible for a child, being due to have a baby within 11 weeks (or having had one in the last 15 weeks), or having no parental support.
If you live in Northern Ireland
Universal Credit is run separately, but nidirect sets out similar rules for students, including the summer holiday rule.
How to check
Use a benefits calculator on GOV.UK before you claim, then apply online.
Related guides
- How much student finance can I get?
- Am I eligible for Universal Credit?
- Do students pay Council Tax?
- Can students get help with childcare costs?
- How much Universal Credit will I get?
Where this comes from
Get it done
This takes you to the official service, which is free to use.
Claim Universal CreditCommon questions
Does a student loan reduce Universal Credit?
Can I get Universal Credit in the summer holidays?
Official sources
- 1.Universal Credit: eligibilitywww.gov.uk/universal-credit/eligibility
- 2.Universal Credit and students (DWP)www.gov.uk/guidance/universal-credit-and-students
Checked against GOV.UK on 6 October 2026
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