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Money Matters: Additional Costs & Managing your Money

Everything you need to know about additional costs & great tips for managing your money.

Managing Your Money

Managing your money can sometimes be a challenge, especially as student income is often very limited. Financial worries are the last thing you need when you are trying to concentrate on your studies, so it's worth considering how you are going to manage your money before starting your course.

Completing a simple budget plan to predict your income and outgoings is a helpful way of taking control of your finances. There are several tools available to help you do this:

Student Money Saving Ideas

To further aid your budgeting it's worth considering where you can save money quickly and easily. Many companies and organisations offer discounts to students, here are a few examples*:

*Northumbria University has taken reasonable care to ensure that the information published on this website is accurate at the time of publication or last modification. However, the University gives no warranty or representation as to the quality, accuracy or completeness of the information. Northumbria University does not endorse or recommend any particular companies or products and it is important to check all details and terms and conditions before applying.

Additional Costs

Throughout your studies you may wish to get involved in additional activities, some of which may include field trips, purchasing materials, joining societies, memberships fees.  The library collection provides access to all books and other references in module reading lists, however some titles are also advised for student purchase.  It is important to consider these costs when planning how you will use your money.  To help you budget more accurately for your time at Northumbria, a summary of additional costs you may incur are detailed below.   The following information should be used as a guide only; please be mindful that the cost of some items may rise throughout the duration of your study.  Arrangements apply for 2018 entry.

Accommodation Costs

Many students find that staying in University accommodation enhances their student experience, and Northumbria has a fantastic selection available for you.  Click here to investigate your options for living and studying in Newcastle.   All costs incurred are optional and students should select the most appropriate accommodation for their needs.

Congregation Costs

When you graduate you will be invited to attend your graduation ceremony. Congregation ceremonies have associated costs, for instance to take part you will be required to hire a graduation gown and cap, you may also wish to purchase a professional photograph or additional guest tickets. Gown hire and photography are purchased from external providers, therefore the University cannot guarantee prices. 

Disability Support 

This information applies to UK & EU students only, International students are fully responsible for all cost associated with disability support. 

In order to access disability or dyslexia support, students may be required to provide evidence of their disability. This evidence is often provided by an external body (for example, by a medical specialist or GP) and these external bodies may charge for providing this evidence. Also, if a disabled student is eligible for DSA funding for computer equipment, depending on their funding body, the student may be required to make a contribution of £200 towards the cost of any computer equipment. For more information about how to access disability support, contact Student Support and Wellbeing.

Healthcare Costs

Students, depending on their circumstances, may incur some charges for accessing healthcare or medication from the National Health Service.  These include charges for prescriptions, charges for dental checks and treatment, and charges for other services, such as providing vaccinations or for certain types of medical evidence (for example, evidence to support a Personal Extenuating Circumstances/PEC claim at the University, if required).  These charges are set and charged by NHS services, rather than by the University, and will be subject to change.

Certain applicants for a UK visa will pay an Immigration Health Surcharge as part of their visa application. International students from particular countries may also be required to pay to have a tuberculosis (TB) test. 

We also strongly recommend that all EU and international students take out their own insurance policy to cover costs which are not met by the National Health Service.  More information about what should be covered by your insurance policy can be found here.  It is your responsiblity to ensure you pay for adequate insurance cover for the duration of your stay in the UK.

For more information about healthcare-related charges in the UK, you can speak to a welfare adviser at Student Support and Wellbeing.

Library Costs

The University Library's online Reading List service gives you access to your directed reading material for your modules. The Library’s Reading List team works in partnership with your module tutors to ensure you have access to the material that you need. You can find an overview of the service and help to get started using it here. If you cannot find your online reading list, you should contact your module tutor.

Your University Library provides a postal service for books and journal articles which will be sent world-wide to Northumbria students who are studying part-time, by distance learning or are work based learners. Students who are placement for more than six week are eligible to use the service whilst on placement.

There is no charge for posting books out, but you will be required to pay the cost of any return postage. We recommend that items are returned by recorded delivery. You can of course, return books in person to either University Library campus.

Overdue charges apply to all library loans to encourage you to return items on time when they have been recalled for use by another reader. Loan renewal is automatic for up to four months or until another reader requsts that item. Charges are entirely avoidable by returning items on time, but where incurred will vary according to loan status and the length of time an item is overdue. Overdue charges exist to ensure the Library Collection benefits the whole student community.

Library books which have been lost or damaged beyond repair will be charged at the replacement cost of the item and a non-refundable handling charge.

A full list of library charges can be found here.

If you lose your University smartcard there is a replacement charge of £10 to obtain a new one. This cost is waived if your smartcard has been stolen and you can provide a police crime reference number.

Placement Costs

Placements in industry are a core element of many of Northumbria’s courses. Whilst many of these placements are optional, some are mandatory.  They offer you a great opportunity to gain hands-on experience, giving you a distinct edge in the job market.  To undertake a placement, you will need to budget for any accommodation and travel charges.

Printing & Photocopying Costs

Students will receive a printing credit of £10 in 2018/19.  This will provide 1,000 pages of A4 single-sided black and white printing. Any additional printing is paid for by the student.   Details of printing and copying charges can be found here.

Sports Memberships

As one of the top universities for sport in the UK, sport is a way of life here.  We’ve invested £30 million in our flagship Sports Central which boasts state-of-the-art facilities.  Our students can choose to access these facilities by becoming a member of Sports Central. To discover more about the facilities, timetables and fees visit

Students' Union

The Students’ Union aims to make sure you have the best possible experience at university.  Some of their activities may incur additional optional charges.  You can find out more about the work of the Students’ Union, how you can get involved and associated costs here.

Visa Costs

International students will be required to pay visa application fees, and associated fees, as required – such as the Immigration Healthcare Surcharge, Tuberculosis tests, and fees associated with appealing a visa/immigration decision. These fees are set and charged by the UK government, rather than by the University, and are subject to change. More information about these fees can be found on the UK government’s website, and information about applying for a visa to study at Northumbria can be found here.

Self Help Guides & Programmes

Very few students finish University without some debt, whether that is because of their student loans, student overdarft or another form of debt. If you are worried about how to manage your money, and want advice on how to manage or avoid debt, you may find the following links useful;

Need Further Support or Advice?

If you are worried and are looking for further support or advice regarding hardship funding, tax benefits & credits, or funding for student parents please visit our student support & well being pages to find out more.

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Northumbria Open Days

Open Days are a great way for you to get a feel of the University, the city of Newcastle upon Tyne and the course(s) you are interested in.


Fees and Scholarships

General information about tuition fees and available scholarships and discounts for Home and International applicants.


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Get an insight into life at Northumbria at the click of a button! Come and explore our videos and 360 panoramas to immerse yourself in our campuses and get a feel for what it is like studying here using our interactive virtual tour.

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