What does University of St Andrews cost your family?
What the student finance system assumes
The maintenance loan your child receives is means-tested against your household income. The lower their loan, the more the government assumes you will contribute — but this is an assumption, not a payment anyone makes to you.
The real monthly costs at St Andrews in St Andrews
Notable St Andrews alumni
Based on St Andrews halls, over three years your family could be contributing:
| Household income | Annual gap | Three-year total |
|---|---|---|
| £35,000 | +£1,800 surplus | +£5,400 surplus |
| £50,000 | −£1,548 | −£4,644 |
| £70,000 | −£3,204 | −£9,612 |
This does not include tuition fees (£9,535/year), covered by the tuition fee loan.
What St Andrews graduates earn
The average St Andrews graduate earns £32,000/year within 3 years of graduating. In St Andrews, entry-level roles typically start at £1,867/month take-home after tax.
Graduate employment rate: 93% within 15 months of graduation.
Full graduate salary data →Five things to sort before August
Work out your expected household income contribution — use the Student Finance England calculator
Review the cheapest halls options at University of St Andrews
Understand the contract difference: halls are 40–51 weeks, private rentals are 12 months
Consider a buffer fund: £500–1,000 covers the gap between loan arrival and rent due
Have the conversation before August — results day is not the moment to work out the finances
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