money / consumer stuff

We all know that student life can often mean living on a budget.  SU Advice is here to give you practical advice and information to help you make the most of your money. We can help with the following:

  • Provide advice and information about your basic rights as a consumer
  • Basic advice on paying and reclaiming tax
  • Advice on council tax - for example if you believe you have been wrongly charged
  • Setting up billing accounts and paying bills
  • TV licencing
  • Emergency Welfare Telephone - this is a free phone service for thos needed to make urgent welfare calls.  You must provide a valid Student Registration Card as well as details of who you are calling and why.
  • Repayable Short-term Hardship Loan
  • Provide HC1 - Help with Healthcare cost application forms
  • Free contraceptives

If you have any questions regarding Benefits and Debt Management we suggest you visit the University Student Support Office webpages for further advice

Apply for a hardship loan

Terms and Conditions:


Please ensure you read and understand the following terms and conditions for the SU Advice Hardship Loan:

        - Applicants must be currently registered students (you will be required to present your Student Registration Card at the point of collecting the loan if your application is accepted);

        - Applicants must complete an application form and provide details as to why they require a loan, when and how they intend to be able to repay the loan;

        - Standard loans amounts are between £5 and £100, however, in exceptional circumstances requests for larger loan amounts may be considered at the SU Advice Manager’s discretion. If you are asking for a larger loan amount you may be asked to provide further details/evidence when your application is processed;

        - All loans are interest free but must be repaid;

        - Unless there are exceptional circumstances (pre-agreed) loans must be repaid by the end of the academic year;

        - Any loan not repaid by the end of the academic year (unless with prior agreement) will result in the student being registered in debt with the University. This may result in you being unable to graduate or re-register for your next academic year until the loan has been repaid;

        - Applications for loans to pay off a debt to the University will be refused;

        - Applications to pay for accommodation, rent or deposits will be refused;

        - Applicants who have previously been registered in debt to the University for non-repayment of an SU Hardship loan will be refused;

        - Students are eligible for a maximum of one loan per term;

        - No further loans will be considered whilst previous loan repayments are still outstanding.


Important information:

Everything you tell us will be treated confidentially, however, some details of your loan application will need to be shared with the SU Finance team and potentially with the University of Essex Finance/Income team. No details of the circumstances that have led you to require a loan will be shared.

By submitting this application form, you are agreeing to the following statements:

  • I confirm the information provided in this application is true, and that I have read and understood the Hardship Loan Terms and Conditions (as above) and agree to abide by them.
  • I understand that if I fail to repay, the debt will be passed to the University and will prevent me from graduating or re-registering for my next year of study and that no further loans will be permitted.
  • I understand that, to ensure the effectiveness of the service the SU Advice Centre keeps a record of my application and details so that they can contact me, if necessary, about my loan. Under the General Data Protection Regulations 2016/679, I have a right to see any records kept about me.


Statement of Consent:

By submitting this form, I give consent to the following:

  • I consent to information provided in this application regarding myself and my circumstances being held by the SU Advice Centre.
  • I consent to the following details of my loan application (if approved) being shared with the University of Essex Students’ Union Finance team for the purpose of processing my loan and recording repayments.

                   o Full Name

                   o Loan Reference number (as assigned by SU Advice)

                   o Amount of money loaned

                   o Loan Repayment date

                   o Bank Account transfer details (If I request payment of the loan directly into my bank account/repay the loan via online transfer)

  • I consent to the following details of my loan application (if I fail to repay the loan) being shared with the university of Essex Income and Finance teams and for the laon amount to be added as a University debt:

                   o Full Name

                   o University Registration number

                   o Amount of money loaned


Please note, in some cases we may need to seek further information from Student Support regarding any previous loans you have taken with them. Unless you state otherwise (see the question in the application form), by submitting this form you authorise the staff of the SU Advice Centre to correspond with the University of Essex Student Support Office regarding any previous loans taken.


To apply for a hardship loan, click the link below and complete the form.  Please also be aware of the Loan Terms and Conditions below.