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United States citizens or permanent residents who have accepted an offer of a place at Norwich University of the Arts can apply for assistance loans through the U.S. Federal loan program (Title IV).

When completing the FAFSA you will need the School Federal Direct Loan Code for NUA which is G42445.

US Federal Aid Cost of Attendance – 2018/19

The Cost of Attendance (CoA), is a calculation of the annual cost of tuition fees, course materials, room and board, travel and other factors. The CoA is revised each year and you will have to re-apply annually for funding if your course is longer than one academic year.

Details of the current NUA undergraduate and postgraduate CoA calculations are listed below. Importantly, the CoA is used in conjunction with information you provide to establish the maximum amount you are able borrow.

Undergraduate – 40 weeks

Accommodation Based on single en-suite in NUA’s All Saints Green accommodation new students. UG 46 week contract £6,900
Course materials This is an aggregated estimate and will vary considerably depending on the individual students’ creative practice £925
Local Travel Based on annual discounted bus pass £360
Personal Costs Including food, clothes, toiletries, etc. £3,200
Computer supplies Including capital cost of laptop £1,250
Educational visits £500
Tuition fees £13,700
Two return flights £2,260
NHS Charge £450
Visa costs £400
Total £29,945
Total $38,629

Postgraduate – 52 weeks

Accommodation Based on an annual contract in private accommodation off campus, including bills £4,800
Course materials This is an aggregated estimate and will vary considerably depending on the individual students’ creative practice £925
Local Travel Based on annual discounted bus pass £360
Personal Costs Including food, clothes, toiletries, etc. £4,160
Computer supplies Including capital cost of laptop £1,250
Educational visits £500
Tuition fees £13,700
Two return flights £2,260
NHS Charge £150
Visa costs £400
Total £28,505
Total $36,771

*exchange rate for 2018/19 has been calculated at $1.29.

Loan Types


The amount you can borrow in each loan category is dependent on your loan status. The two classifications are Dependent Undergraduate Student and Independent Undergraduate Student. Your status will be determined when you complete a Free Application for Federal Student Aid (FAFSA).

Graduate – MA

If you are enrolling on a graduate course – what we call a postgraduate course – in the UK, you are classified as Graduate and Professional Student, regardless of any other conditions or circumstances.

Direct loans

Stafford Loan

The Stafford Loan is the primary loan available to eligible students studying in the UK. The Loan is split into two parts.

PLUS Loans

The amounts available as Stafford Loans may not be sufficient to cover your costs. PLUS Loans are intended to bridge the gap between the amount in Stafford Loans and the CoA. PLUS Loans are based on a credit check.

Private Loans

Sallie Mae offers a private loan specifically designed to provide top-up support for students. This option is available to all students, although some may require a co-signer. Loans are based upon credit history and interest rates will vary. Please ensure you read about their loan interest rates and the terms and conditions.

You can make a Sallie Mae Smart loan via their website. When the application is complete, please send a copy of the e-signed Promissory Note to NUA at fedaid@nua.ac.uk.

Other required actions

Entrance Counselling

You are required to complete an online Loan Entrance Counselling Course for each loan. This is designed to ensure you understand the responsibilities you have as a recipient of the loan and must be undertaken before we can approve your loan.

Master Promissory notes

A Master Promissory Note (MPN) is a legal document that commits you to the repayment of your Direct Loans, the accrued interest and any fees. It also explains the terms and conditions of your loan. You are required to complete a new MPN for each academic year of your studies. Find out more on the MPN webpages.

Applying for a loan


The first step in securing loan funding is to complete the Free Application for Federal Student Aid (FAFSA).You can make a FAFSA application from 1st January each year. This is also the portal to update and amend your details. You must enter all data accurately, as the information you provide provides the basis on which your loan is calculated.

You will need to enter the institutional code G42445 to register your intention to apply to NUA.

It is very important that the information we use to calculate your loan is accurate to avoid delays in processing your application.

Once you have completed the FAFSA an Institutional Student Information Report (ISIR), also referred to as the Student AID Report (SAR), will be created. If and when you have been made a formal offer at NUA we will start calculating your loan. Most offers of a place are termed Conditional in the first instance and are subject to you satisfying academic or other requirements. Once all conditions have been met and the offer is Unconditional – and you have accepted the place – NUA can complete the loan procedures to what is called origination.

Your SAR should include an Estimated Family Contribution (EFC). The EFC calculation is generated by the information you provide in your FAFSA. The SAR will also include details of other student loans you have already received. Check this information is included and up-to-date and respond to any problems detailed in the comments section of the SAR. If changes to the data are required, you need to request a new SAR.

The SAR will also include information about any other financial aid you may be receiving, such as scholarships, bursaries and awards. This figure is referred to as the Estimated Financial Assistance (EFA) and will be deducted from the CoA with a consequent impact on your assumed financial need.

Loan origination

Assuming that all the formal requirements have been met, NUA will originate (process) your loan using the US Department of Education System. Once NUA is notified that the loan is approved, we will issue your official letter to supply with your student visa application.

Proof of funding for Visa purposes

If you are required to apply for a Tier 4 Visa to study in the UK, you will need to demonstrate that you have sufficient funds for the periods you are here. You can use the visa letter provided by the University when making your visa application. It will stand as evidence up to the loan amount you will receive. You may require further documentation if the value of the loan is less than the amount required by the Home Office. For more information about applying for a Tier 4 (General) Student Visa, please visit our Visa page or the UK Home Office website.

While you are studying

Accessing your loan

You will need to open a UK bank account when you arrive in the UK for the first time. Although NUA cannot recommend any particular bank, the International Student Manual has helpful guidance about setting up your account. The transfer of loan funds to NUA from the US Department of Education will take place after you have arrived in the UK, so first time borrowers are advised to obtain funds to support themselves for the first month of study from the date of enrolment.

In line with US Department of Education regulations, Direct Loans are disbursed in three instalments each academic year. You must have completed the University admissions procedures before you can receive the first instalment. Disbursement dates generally occur in October, January and April of each academic year. You will be advised of the precise dates prior to be beginning of each academic year. NUA will deduct the due amount for tuition fees and transfer the remaining funds to your bank account within 10 working days.

Satisfactory Academic Progress (SAP)

NUA must ensure that students in receipt of Direct Loan funds are fulfilling the requirements of Satisfactory Academic Progress (SAP). SAP procedures are separate from the normal University assessment and progression regulations. Funding through the Federal Aid loan scheme is dependent on compliance with SAP regulations that stipulate students should not exceed 150% the published time frame for the degree course and should remain enrolled at least half time, and that they should maintain a minimum pass rate equivalent to a C in accordance with the University’s graduation requirements in all course work.

SAP will be verified at the end of each loan disbursement pay period and prior to the next instalment. If students fail to meet SAP requirements they are given a Federal Aid Warning and/or placed on Federal Aid Probation. The Federal Aid administratos will advise students in writing if they are subject to a period of probation. If SAP requirements are not met in subsequent study periods, students can lose their entitlement to Title IV funds.