King's Medical & Dental Hardship Fund 2020-21
If you are experiencing problems with your funding or are worried that you will not have enough money to cover all your costs Advice & Guidance in Student Services can assist you by checking you have received all the funding and benefits that you are entitled to and review your budget before you apply to hardship funds. We advise that you review your financial situation before applying to a hardship fund and make use of the free money tools available from Blackbullion too.
The King's Medical & Dental Hardship Fund is available to help medical and dental students in need of financial support during their studies. Awards made from the fund are predominantly intended to contribute towards a student’s day-to-day living costs such as rent, utility bills, travel, etc, but awards for tuition fees can be considered in certain circumstances.
Can I apply?
To make an application to the fund all of the following criteria must apply to you:
Be studying a full-time medical/dental undergraduate/postgraduate programme at King’s
The fund is only available to current undergraduate and postgraduate students, who are enrolled and in attendance on a medical or dental programme.
Have taken up your full entitlement to student loans/NHS Bursary for tuition fees and living costs (if applicable)
If you are a home/EU student, you will need to have successfully applied for the maximum amount of funding available to you from the NHS Bursary and/or Student Finance and be able to prove this with your Notification of Award letter and Student Finance Entitlement Letter. This involves sending evidence of your household income to Student Finance/NHSBSA to be means-tested.
If you are not taking a student loan for religious reasons you should be aware that the assessment of your application will reflect the amount of funding that you would have received if you had accepted the loan. In order to determine the level of support you would have received you will need to be means-tested by Student Finance. You will also need to complete this Declaration Form and ensure you have made other arrangements to fund your studies.
Eligible undergraduate students in the following categories are particularly encouraged to apply for assistance:
- mature students or students with dependants;
- students who have no further access to NHS funding for fees/living costs due to previous funded repeat years;
- self-funded second degree students in years 3 or 4 of their programme;
- students who can evidence they are not receiving their full parental contribution;
- students whose situation changes on course and cannot pay their fees/living costs.
The successful applicant must adhere to the following conditions of the award:
- you should be fully enrolled and in attendance, making satisfactory academic progress;
- you should not be on an intercalated year away from King’s.
How much could I receive?
Awards can vary and will depend on circumstance. The assessment will factor in your individual circumstances and the award that you may receive will reflect the overall level of financial need that the assessment has demonstrated.
An award from the fund is not guaranteed and it should not form any part of your planned budget until you have received formal notification that you have been granted support.
When should I apply?
Applications to the fund are now open.
Our Hardship Funds aim to remain open for the entire year, however you should apply as soon as you feel that you need additional help, as they may close earlier if funds are exhausted.
How do I apply?
Step 1: Download and complete the application form
If you meet the eligibility criteria listed above, you will be able to make an application by dowloading the form here.
The application involves a series of questions about your current income and expenditure and requires you to write a personal statement explaining your financial situation.
Please be as detailed as possible in your personal statement. It is important that you explain why you require financial assistance and that you include any information that may support your case.
Step 2: Submit your supporting documents via email to email@example.com
All supporting documents must be legible:
Scanned/electronic copies, preferably saved in a PDF format
Entitled in the following format: SURNAME, Name – document title (e.g. SMITH, John – March bank statement)
Please email your documents to firstname.lastname@example.org and include your King’s Student ID (as on your ID card, not your K Number) in the email text.
We cannot accept paper copies under any circumstances.
Missing or incorrect evidence will significantly delay the assessment of your application so please do double check before submitting your documents that everything is in order!
NOTE: The application and supporting information, requested in the checklist, should be scanned and emailed to email@example.com
Step 3: Blackbullion online learning
You will need to explain your financial situation in your application. To help you to do this, you may wish to complete the Budgeting pathway module on Blackbullion. If you have not already signed up for Blackbullion please register for free using your King’s email address.
This is a free online module that takes less than 25 minutes to complete. 85% of King’s students stated that they felt more confident about money management after they completed the budgeting module and we hope that you will too. Regrettably hardship funds are limited and can only cover up to 75% of the shortfall calculated by the assessor. Consequently, we want to make sure that you have the tools and information necessary to stretch your funding as far as possible and to evaluate any money saving or money generating options that may also help you.
If you are in immediate financial difficulty please contact Advice & Guidance to discuss your personal circumstances and any difficulties you are having completing your application for hardship funds.
Step 4: We assess your application
Applications are assessed using an ‘additional need’ method that looks at the difference between accepted reasonable expenditure and expected income for the academic year. Your expenditure will be offset against your income and where there is a shortfall (additional need) for the year, an award may be considered from the fund.
Where awards are granted, they may not cover the full extent of your financial need. In some cases, where excessive non-essential expenditure is visible, award amounts may be reduced, or applications may even be rejected. Some examples of non-essential expenditure include private healthcare, gambling and excessive spending on recreational activities, deliveries, take-away food etc.
When assessing your application, we may ask your consent to refer you to other departments for additional support. For example, we may find it appropriate to direct you to Student Advice for support in correcting your funding entitlement, in applying for benefits, or for extra budgeting support. We will always ask for your consent before sharing any information with another team within King’s.
Step 5: We let you know the outcome of your application
Once the assessment has been completed and a final decision has been reached, you will receive notification of the outcome via email.
If your application is successful: the email will detail the award amount and will give you instructions on how to receive the payment.
If your application is unsuccessful: the email will provide you with the next steps you can take if you are still concerned about your financial situation and will explain the appeals process if you wish to appeal the decision.
Application process explained! Get to grips with the documents you will need to provide as part of your hardship application - get it right first time!
Learn how to be in control of your money, sign up today using your King’s email address and Get Money Smart!
Still unsure about making an application?
Please do read all the guidance and ask any questions you may have, to give you every chance of receiving the right level of support.
Can I apply more than once?
Usually, we will only consider one application per academic year (September-July). This means that if you need to you may be able to apply again in subsequent years.
We will only consider a repeat application in the same academic year if you have experienced a significant change of circumstance which has negatively impacted your financial situation since your previous application. This is because our assessment reflects the entire academic year and all outcomes have been carefully decided.
If you do feel that this applies to you, you will need to explain the changes and submit additional evidence alongside your second application to support this.
Can I appeal a decision?
An appeal may be submitted on one or more of the following grounds:
- You did not initially provide significant evidence or information
- You feel that the assessment did not consider all the relevant information or evidence provided
If you are dissatisfied with the outcome of your application and you meet the grounds for appeal listed above, you may appeal in writing to firstname.lastname@example.org
Please make sure to relate to the assessment, explain your situation clarifying any details that you think may alter the outcome and provide any relevant evidence that you wish us to consider for the reassessment.
If you are still concerned about your financial situation you should contact a Student Advisor for confidential advice.
The Advice team run weekly drop-in sessions, can be contacted via email and have a dedicated Advice telephone line. Full information about the Student Advice service can be found on their webpage.
To find out more about the King's Medical & Dental Hardship Fund, please contact the Student Funding Office.