student-finance.service.gov.uk Reviews 102

TrustScore 1.5 out of 5

1.7

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews.

Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Customers express widespread dissatisfaction with various aspects of the company, including contact methods, the mobile application, and the overall service provided. Consumers are particularly frustrated by issues related to payments, indicating a significant area of concern. Many people report negative experiences with customer service, citing long wait times and unhelpful interactions. Reviewers also express frustration with the app's functionality and the difficulty in resolving issues through available channels. The consensus among reviewers is that the company's performance is subpar across multiple touchpoints.

Based on these reviews

Rated 2 out of 5 stars

What is study support because I did not require this ! And would like to take the University UCLAN to court over no valid reasoning whilst on course for a first class degree ! Please see my tru... See more

Rated 1 out of 5 stars

Goodness the staff were clearly untrained and I could barely understand a word they said. I can only assume we were being transferred to a call centre overseas. After speaking with three different cal... See more

Rated 1 out of 5 stars

hire a bunch of temps every SFE season and don't bother training them or actually making an effort to fix systems which repeatedly make mistakes concerning finances nearly every student in england nee... See more

Rated 1 out of 5 stars

I applied for my masters funding in August 2026 for it to start in September. When my finance was awarded they had awarded it for next January? I don’t know why as the start date was the 15th of Septe... See more

Rated 1 out of 5 stars

This must the least online user friendly service I know. I am attempting to submit information for my sons student loan application and its just nigh impossible. I'm unable to access my account and... See more

Rated 1 out of 5 stars

They delay all the updates, changed mine instead of my sister’s course details because we have the same surname and doing same course (different years), now both of us have to wait for them to review... See more

Rated 1 out of 5 stars

So this year for some stupid reason I now have to fill in a form and upload it instead of doing it digitally. OF COURSE THERE ARE PROBLEMS. The form gives errors consistently, and there's no where t... See more

Rated 1 out of 5 stars

locked me out of my account, when tried to change password I used my name and details, and it sent the password login to someone else's phone and email (thinking I was them). when called, the useless... See more

Rated 1 out of 5 stars

They're a complete joke. They endlessly chase and harass you wanting to see everything in your banks, every transaction and every piece of information they can get. They will never believe you if you... See more

Rated 1 out of 5 stars

CUSTOMER REFERENCE NUMBER : 37047830089 They take too long to solve simple issues. I repeated a year and started a new course. They put down MENTAL HEALTH instead of ADULT NURSING and I have... See more

Rated 1 out of 5 stars

Disgusting attitude to issuing refunds. They'll hold onto your money as long as they can... wouldn't be surpised if they earn interest on it considering how long they take to issue a refund. 28 WORKIN... See more

Rated 1 out of 5 stars

I am a full time student ,looking after my disable father as well ,applied for extra help ,approved last year this year rejected when my financial circumstances never changed .I had to apply now for f... See more

Rated 1 out of 5 stars

This company appears unfit for service. A Government run business that is an outlier compared to other Government services. It is almost impossible to talk to anyone at SFE. Their phone system cuts yo... See more

Rated 1 out of 5 stars

I am trying to help my daughter for her loan application. I went to university 20 years ago and cannot log in. The phone numbers are an absolute waste of time, automated and tell you to do it online.... See more

Rated 1 out of 5 stars

Denied my son tuition fee loan for his university because he previously had to withdraw due to mental health reasons. He got an anonymous decision and the person who received his evidence did not read... See more

Rated 1 out of 5 stars

Had my student finance application cancelled as i received an email in April, the email stated if i didn’t submit the necessary documents it would be cancelled in May, they didn’t cancel it until Sept... See more

Rated 1 out of 5 stars

Absolutely awful, submitted info 10th April, was accepted straight away for my daughter which is great, they was using our info for my son so should have been accepted straight away….. 3 months on and... See more

Rated 1 out of 5 stars

just like the most recent comment...I went to university 15 years ago and cannot log in. The phone numbers are an absolute waste of time, automated and tell you to do it online. you send them a comp... See more

Rated 1 out of 5 stars

One star seems generous. I have never encountered a system that is so rubbish. I am on day 4 of trying to do a simple application. No one on the phone is any help (they seem nice enough but i couldnt... See more

Rated 1 out of 5 stars

Nothing about the process is straight forward. They don't even attempt to explain it to you! None of the forms make any rational sense or are set out in consist manner. The whole system is chaotic any... See more

Rated 1 out of 5 stars

I did not want to write a review. Its saturday 12th october, and still nothing about my application form whether its gonna be approved. I rung on thursday 26th september and was told it was getting ch... See more

Rated 1 out of 5 stars

Just a terrible waste of life going round and round a 'press 1' phone nonsense. Almost impossible to get a human but they know they have you over a barrel if you want your child's education to be fina... See more

Rated 1 out of 5 stars

4 months and still didn't receive the payment. They blocked my application because they weren't sure about my adress, but didn't bother to tell me. When I contcted them on the chat, they said I will n... See more

Rated 1 out of 5 stars

Bloody awful service, with a barely functioning online service and no support email. And a crippling interest rate. If the governkment had guts, they would just make a graduate tax for both mainland a... See more

Rated 1 out of 5 stars

So, its been a week since i have spoken to student finance and still waiting for the aproval status. Had an email about the tutorw fees but states i can still have the maintanance payments but yet sti... See more

Rated 1 out of 5 stars

They scam,people. I pay all amount of money back, and after 2 years I received an email from them I must own them 120 pounds, after I call them 4 times and keep me on the phone half hour, they said is... See more

Rated 1 out of 5 stars

Student finances really need to work on the customer service. That the customer service was horrible and they seemed unbothered the whole time and he kept on sighing which seemed like he did not want... See more

Rated 1 out of 5 stars

Been waiting for over a month should have been updated by the 24th October 2024 as my class starts 4th november now they telling me updated will be 22 november 2024???? 2hat a waste of my time as... See more

Rated 1 out of 5 stars

Had rung up for a query regarding repayment. I was left on hold for 40 mins by Raz, who said it’ll be 2 mins. Didn’t have the decency to get back saying it’ll take longer just kept me on hold. Had no... See more

Rated 1 out of 5 stars

I made the mistake and clicked on something which I misread in the first place. As soon as I noticed it, I contacted SFS. They asked me to provide several evidence, a cover letter (twice, because they... See more

Rated 1 out of 5 stars

Cannot speak with anyone on the helpline , advises to use the Non existing Web chat on your on-line account. Recorded messages and options. Dehumanising and unhelpful.

Rated 1 out of 5 stars

Shocking service, a basic error with my email address and I have to jump through hoops to get this load sorted for my daughter. No consistency with the information given on the phone. Computer sa... See more

Rated 1 out of 5 stars

Have never dealt with a agency like it for a government operation my lad is so stressed his rent is due and now they will look at his application in November absolutely a joke . No one updates the not... See more

Rated 1 out of 5 stars

very poor website , needs multiple needless passwords and secret answers (as fraudsters will obviously want to hack in and pay my kids student fees) - no point ringing the contact number as its just a... See more

Rated 1 out of 5 stars

This organization it's a absolute BULLSHIT,staff is arrogant and disconnect the calls if they not like something,not support to customers,and honestly the reason why I will stop my education will be t... See more

Rated 1 out of 5 stars

This is the worst company in the UK by a landslide. Horrible to work with. Absolutely a disgrace to the country. Never seen anything this bad in my whole life.

Rated 1 out of 5 stars

Rubbish company they come back in a years time and start harassing young British born citizens and civilians for money and your life is put at immediate risk please don’t put yourself in future stress... See more

Rated 1 out of 5 stars

Their entire system is constantly in chaos. They have absolutely no clue what they are doing.

Rated 1 out of 5 stars

Even 1 star is too many. Dreadful service and serious questions over the organisation's ability to handle sensitive personal financial data, much less storing it safely. Being asked to upload bank st... See more

Rated 1 out of 5 stars

My girlfriend has had an awful experience with student finance from day one of her third year at university. She lives with her nan and supports herself on income she had earnt on a... See more

Rated 1 out of 5 stars

Aplied for student finance, in September, they received my documents on the 2 October, ie: my passport for ID, they emailed 3 times saying they have received the passport, even though I got the tracki... See more

Rated 1 out of 5 stars

Absolutely horrendous!! Everything is wrong with this system!! Couldn’t continue with my application because they said my mother had an account even though she’s never created one in her life?! Imposs... See more

Rated 1 out of 5 stars

incredibly unresponsive and lack any sense of urgency. almost impossible to contact anyone with support on an application, even though my position at university was at risk due to their lateness. a tr... See more

Rated 1 out of 5 stars

29-9-25 DISABLED STUDENT. Completed standard SFE paperwork before the start of term for a full time post graduate course at York. I completed the DSA form at the same time and posted LOTS of evid... See more

Rated 1 out of 5 stars

SLC is currently owed £260 billion pounds at up to 8% interest and can't even answer a phone or process payments from a PAYE system that funnels cash directly to them. The most frustrating, unfit... See more

Rated 1 out of 5 stars

Not fit for purpose. Whilst the call staff are generally lovely ( once you get through after hours on hold) the system is completely unfit for purpose and has caused me unreasonable distress an... See more

Rated 1 out of 5 stars

This is a bent company. Calls to them just rrfer you to the website. Emails are rejected. Documents sent to them are ignored or denied to be the correct ones. They should have doubled my daughter... See more

We perform checks on reviews


1.7

Bad

TrustScore 1.5 out of 5

102 reviews

5-star
4-star
3-star
2-star
1-star


Rated 1 out of 5 stars

I applied for my masters funding in…

I applied for my masters funding in August 2026 for it to start in September. When my finance was awarded they had awarded it for next January? I don’t know why as the start date was the 15th of September but now it’s up to me to sort it out. I had to submit a change of circumstances form even though it was student finances error which they lost but I had to wait a full 17 days working days before I could forward another form. I sent another form then requested that I sent them a handwritten letter telling them where I’d lived from 22 to 23 even though this was actually on my change of circumstances form. The handwritten letter was received on the 29th of September and now I’ve got to wait a full 17 working days again before it gets looked at. Meanwhile, student finance send me emails once a week reminding me that they need this letter. Of course customer services are about as useful as a chocolate strike and although they keep trying now as it takes 17 working days for a reply. Even for them to tell me they haven’t received a letter which wouldn’t surprise me if they’ve lost again. I haven’t got 17 working days I’m already two months behind on my fees all this because student finance made a mistake. This system hasn’t improved since I last it 18 years ago when the local authorities handled it and then it went over to student financing England and I don’t think it could get any more horrific than it is. Thank God It’s easy to approve your children’s finance otherwise none of mine would’ve gone to university at this rate.

October 8, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

Goodness the staff were clearly…

Goodness the staff were clearly untrained and I could barely understand a word they said. I can only assume we were being transferred to a call centre overseas. After speaking with three different call handlers, they simply sent a form to my daughter’s online account, despite the issue being urgent. In the end, I had to Google the problem myself and discovered it could be resolved by selecting a few options on my daughter’s online account. This caused unnecessary stress for my daughter, who has health issues. Thank goodness for Google!

October 8, 2025
Unprompted review
Rated 1 out of 5 stars

29-9-25 DISABLED STUDENT WEEK 3 NO DSA ASSESSMENT APPROVED SO FAR

29-9-25 DISABLED STUDENT. Completed standard SFE paperwork before the start of term for a full time post graduate course at York.
I completed the DSA form at the same time and posted LOTS of evidence of my severe needs before the course started (recorded delivery).
The agreement for general course fees were approved pre-start BUT AS YET THERE HAS BEEN NO AGREEMENT FOR ME TO GET AN ASSESSMENT FOR DSA. This is the start of week 3. I have no additional support in place. Everyone has a copy of my old DSA assessment from 2018. I am going to resend all my evidence again tomorrow morning to SFE just so they cannot say they have no record of my DSA application.
I’m going to update this review on a weekly basis until I get help. The Equality Act 2010!!!!!

September 29, 2025
Unprompted review
Rated 1 out of 5 stars

hire a bunch of temps every SFE season…

hire a bunch of temps every SFE season and don't bother training them or actually making an effort to fix systems which repeatedly make mistakes concerning finances nearly every student in england needs to buy food and pay rent, then have the worst support system in the world to fix any issues. f&cking SFE

August 22, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

Degraded application process and clear they don't want to talk to you

So this year for some stupid reason I now have to fill in a form and upload it instead of doing it digitally. OF COURSE THERE ARE PROBLEMS. The form gives errors consistently, and there's no where to sign it digitally. So I try contacting SFE, waste of time as their automated phone service just sends you in circles and then gives you no option to speak to someone because obviously civil servants dont want to talk to you. They then send you to their live chat, which you can find when you log in, only you can't. So I have 4 weeks to apply, but can't.

Absolute joke. I am fuming.

September 12, 2025
Unprompted review
Rated 1 out of 5 stars

Useless

They're a complete joke. They endlessly chase and harass you wanting to see everything in your banks, every transaction and every piece of information they can get. They will never believe you if you say you're unemployed and traveling using previous savings. Even if you have saved for multiple years before traveling. You upload evidence - they want more, so you upload more and they still want more. No amount of evidence is enough for them. If I had the choice again I wouldn't go to uni just so I wouldn't have to deal with these incompetent idiots. Years ago I sent them bank statements that covered months in the post which was tracked and signed for when it arrived. They then said they never got it. I can't wait until the day I never have to deal with them again. The benefit of paying off the loan isn't the extra money - it's a life without having to deal with student finance.

September 9, 2025
Unprompted review
Rated 1 out of 5 stars

Poor communication and service

Had my student finance application cancelled as i received an email in April, the email stated if i didn’t submit the necessary documents it would be cancelled in May, they didn’t cancel it until September, which has produced multiple problems for me. if they had either sent me a follow up email, updated my website to say their was an issue or cancelled the application when they said they would, id have no problem right now. awful communication

September 4, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

utter shite

very poor website , needs multiple needless passwords and secret answers (as fraudsters will obviously want to hack in and pay my kids student fees) - no point ringing the contact number as its just automated telephone hell with zero chance of speaking to a human

September 3, 2025
Unprompted review
Rated 1 out of 5 stars

locked me out of my account

locked me out of my account, when tried to change password I used my name and details, and it sent the password login to someone else's phone and email (thinking I was them). when called, the useless phone just gave me the same password reset link which already hasn't worked. Useless corporation, might not be able to attend 3rd year of med school this year. Thanks for all the stress.

August 28, 2025
Unprompted review
Rated 1 out of 5 stars

Delay updates so much

They delay all the updates, changed mine instead of my sister’s course details because we have the same surname and doing same course (different years), now both of us have to wait for them to review everything and change our courses with less than a month for classes to start. I do not understand how and why they can be so bad at their job!!

August 27, 2025
Unprompted review
Rated 5 out of 5 stars

Terrible experiences... yet one!

I have had terrible miscommunication issues with SFE for the past three years with people like Kelly and Hazzam (apologies if spelt wrong), and all of them have either given me misinformation, given me wrong forms to fill out, or told me misinformation about my debt. However, Kasan did such a good job and navigated my problem so easily and efficiently. He went straight to the point, and I was only put on hold for less than 5 minutes, unlike others who have left me on hold multiple times for 30 minutes or more. He was kind and stayed on the call when filling out the form just to ensure I was not making any mistakes.

August 15, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

Non existent service.

just like the most recent comment...I went to university 15 years ago and cannot log in. The phone numbers are an absolute waste of time, automated and tell you to do it online. you send them a complaint; they will tell you that they read it but reject it and go online. But online; they have the wrong details about me so cannot log in.
Non existent service.

August 11, 2025
Unprompted review
Rated 1 out of 5 stars

I am trying to help my daughter for her…

I am trying to help my daughter for her loan application. I went to university 20 years ago and cannot log in. The phone numbers are an absolute waste of time, automated and tell you to do it online. Hopeless example of a government organisation.

August 6, 2025
Unprompted review
Rated 1 out of 5 stars

Difficulty contacting this organisation

This must the least online user friendly service I know. I am attempting to submit information for my sons student loan application and its just nigh impossible. I'm unable to access my account and am taken on an endless Kafkaesque circle of revolving menus.
When i finally got to speak to someone in person they claimed they could not hear me on the phone properly....they refused to call me back to better the line and I was forced into hanging up and starting the whole dispiriting exercise again....... minus point out of 10

July 23, 2025
Unprompted review
Rated 1 out of 5 stars

This is a bent company.

This is a bent company.
Calls to them just rrfer you to the website.
Emails are rejected.
Documents sent to them are ignored or denied to be the correct ones.
They should have doubled my daughter's loan when I retired, and instead they halved it.
Bloody useless bunch of crooks.

July 10, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

The most and longest frustrating year I ever experienced

I made the mistake and clicked on something which I misread in the first place. As soon as I noticed it, I contacted SFS. They asked me to provide several evidence, a cover letter (twice, because they don't read their own notes) and a Marital form, even though it doesn't make sense to fill it out in my case. Still every time I call them, there is a new case worker and I have to explain all over again and they asked me to provide the same evidence AGAIN. It is all in my file, and they don't even bother to look deeper into it, as my case started a year ago, but no one seemed to care. I have been on it for more than 1 year now and tried my best to help them, but my god, it seems no one is actually doing their job. Now they are asking for childcare funds back after I just finished Uni and I have to start from Zero again. This is the most frustrating company I ever had to deal with.

July 7, 2024
Unprompted review
Rated 1 out of 5 stars

Rubbish company they come back in a…

Rubbish company they come back in a years time and start harassing young British born citizens and civilians for money and your life is put at immediate risk please don’t put yourself in future stress and turmoil by taking their loans

July 4, 2025
Unprompted review

Is this your company?

Claim your profile to access Trustpilot’s free business tools and connect with customers.

Get free account

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look