EDUCATION Part I General Citation and commencement 1 These Regulations may be cited as the Education (Student Support) Regulations (Northern Ireland) 1998 and shall come into operation on 1st September 1998. Interpretation 2 1 In these Regulations— “academic year”, in relation to a course, means the period of twelve months beginning on 1st January, 1st April, 1st July or 1st September, according to whether the course in question begins in the winter, the spring, the summer or the autumn respectively; “accelerated course” means a course of two academic years duration in which persons undertaking the course are normally required by the institution providing it to attend (whether at premises of the institution or elsewhere) for a period of at least 40 weeks in the final year; “borrower” means a person to whom a loan has been made; “certificate of eligibility” shall be construed in accordance with regulation 5(7); “course” means a higher education course or a further education course; “designated course” means a course designated by regulation 4(1) or by the Department under regulation 4(4); “disability related benefit” means long term incapacity benefit or short term incapacity benefit at the higher rate, severe disablement allowance, disability living allowance, industrial industries benefit and disability working allowance, all payable under the Social Security Contributions and Benefits (Northern Ireland) Act 1992 or the Social Security Contributions and Benefits Act 1992 or the amount of any disability premium and severe disability premium included in the applicable amount in calculating the income support payable under the Income Support (General) Regulations (Northern Ireland) 1987 or the Income Support (General) Regulations 1987 ; “ EEA Agreement ” means the Agreement on the European Economic Area signed at Oporto on 2nd May 1992 as adjusted by the Protocol signed at Brussels on 17th March 1993 ; “eligible” in relation to any student means eligible for a loan in accordance with regulation 3; “eligibility form” means the form issued under regulation 5(4); “ European Community ” means the territory comprised by the member States of the European Community as constituted from time to time; “European Economic Area” means the European Community and subject to the conditions laid down in the EEA Agreement the area comprised by the Republic of Iceland, the Kingdom of Norway and the Principality of Liechtenstien; “hardship loan” shall be construed in accordance with regulation 10; “ the Islands ” means the Channel Islands and the Isle of Man; “loan” means a loan made under the Order (whether made before or after the coming into operation of these Regulations) towards a student’s maintenance, including the interest accrued on the loan and any changes made in connection with it; “loan application form” shall be construed in accordance with regulation 5(8); “the Order” means the Education (Student Support) (Northern Ireland) Order 1998; “periods of work experience” means periods of industrial, professional or commercial experience associated with full-time study at an institution but at a place outside the institution; “quarter”, in relation to an academic year, means one of the periods in that year from 1st January to 31st March, 1st April to 30th June, 1st July to 31st August, or 1st September to 31st December; “refugee” means a person who is recognised by Her Majesty’s government as a refugee within the meaning of the United Nations Convention relating to the Status of Refugees done at Geneva on 28th July 1951 as extended by the Protocol thereto which entered into force on 4th October 1967 and any reference to the child of a refugee includes a reference to a step-child; “responsible person” means a consular officer, minister of religion, medical or legal practitioner, established civil servant, teacher or police officer; “sandwich course” means a course consisting of alternative periods of full-time study in an institution and periods of work experience so organised that, taking the course as a whole, the student attends the periods of full-time study for an average of not less than 19 weeks in each year; and for the purposes of calculating his attendance the course shall be treated as beginning with the first period of full-time study and ending with the last such period; and “student loan account number” means the account number assigned by the lender to a loan made under the Order, the Education (Student Loans) (Northern Ireland) Order 1990 , the Teaching and Higher Education Act 1998 , the Education (Student Loans) Act 1990 , or the Education (Scotland) Act 1980 . 2 For the purposes of these Regulations a person who is ordinarily resident in Northern Ireland, as a result of having moved from England, Wales, Scotland, the Channel Islands or the Isle of Man for the purpose of attending his present course or a previous designated course which (disregarding any intervening vacation) he was attending immediately before commencing his present course, shall be considered to be ordinarily resident in the place from which he moved. 3 For the purposes of these Regulations a person shall be treated as ordinarily resident in the United Kingdom and Islands or in the European Economic Area if he would have been so resident but for the fact that he, his spouse or his parent, guardian or any other person having parental responsibility for him, or any person having care of him when he is a child, is, or was temporarily employed outside the United Kingdom and Islands or, as the case may be, outside the European Economic Area and paragraph 7( c ) of Schedule 1 shall not apply in the case of such a person. 4 For the purposes of these Regulations an area which— a was previously not part of the European Community or the European Economic Area, but b at any time before or after these Regulations come into operation has become part of one or other or both of those areas shall be considered to have always been part of the European Economic Area. 5 In these Regulations a reference to an EEA migrant worker is a reference to a person who is a national of a member State of the European Economic Area who has taken up an activity as an employed person in the United Kingdom— a under Council Regulation ( EEC ) No. 1612/68 on freedom of movement of workers within the Community, as extended by the EEA Agreement ; or b in circumstances where as a national of the United Kingdom he has an enforceable Community right to be treated no less favourably than a national of another member State in relation to matters which are the subject of the above mentioned Council Regulation. Part II Eligibility Eligible students 3 1 A person shall be an eligible student in relation to an academic year of a course which begins on or after 1st September 1998 for the purposes of Article 3(1) of the Order and of these Regulations if— a he is a person mentioned in Schedule 1; b the course he is attending is a designated course; c he is under the age of 50 years on the first day of the course; d he is not eligible to receive a loan in relation to the academic year under the Education (Student Loans) (Northern Ireland) Order 1990 or the Education (Student Loans) Act 1990; e subject to regulation 9(4), he has not received a relevant loan in relation to the academic year of another course which year ended after the first day of the academic year in question; f he is not eligible to receive, in relation to the academic year, any payment under a bursary or award of similar description bestowed on him in pursuance of Article 44 of the Health and Personal Social Services (Northern Ireland) Order 1972 the amount of which is not calculated by reference to his income; g he is not in breach of any obligation to repay any relevant loan; or h where he entered into an agreement for a relevant loan when he was under the age of 18 years, he has ratified the agreement. 2 For the purposes of paragraph (1)( c ) and Schedule 1, if a person withdraws from a designated course provided by any institution with the agreement of that institution without completing the course and if, disregarding any intervening vacation, he immediately commences attending another designated course provided by the same or by a different institution the first day of the first course shall be regarded as the first day of the second course or any subsequent course which he commences in the same circumstances. 3 For the purposes of paragraph (1)( e ), ( g ) and ( h ) “relevant loan” includes a loan or any loan made under the Teaching and Higher Education Act 1998, the Education (Student Loans) Act 1990, the Education (Student Loans) (Northern Ireland) Order 1990 or the Education (Scotland) Act 1980. Designated courses 4 1 A course shall be designated for the purposes of Article 3(1) of the Order and regulation 3(1)( b ) if it is— a mentioned in Schedule 2; b a full-time course; c of at least one academic year’s duration; and d wholly provided by an educational institution or institutions in the United Kingdom which are maintained or assisted by recurrent grants out of public funds or is provided by such an institution or institutions in conjunction with an institution or institutions outside the United Kingdom. 2 For the purposes of these Regulations a full-time course is a sandwich course or a course— a which persons undertaking it are normally required by the institution providing it to attend (whether at premises of the institution or elsewhere)— i in the case of a course of one academic years' duration, for a period of at least 24 weeks; and ii in the case of a course of two or more academic years' duration, for a period of at least 24 weeks in each academic year except the final year and of at least eight weeks in the final year; and b the nature of which is such that a person undertaking it would normally require to undertake periods of study, tuition or work experience which together amount in each academic year to an average of at least 21 hours for each week for which attendance is required for the purposes of sub-paragraph ( a ). 3 For the purposes of these Regulations a course is provided by an institution if it provides the teaching and supervision which comprises the course, whether or not it has entered an agreement with the student to provide the course. 4 For the purposes of Article 3 of the Order and regulation 3(1) the Department may designate courses of higher education which are not designated under paragraph (1). Certificate of eligibility 5 1 A person shall demonstrate that he is an eligible student by completing an eligibility questionnaire and by providing such supporting evidence of eligibility as the Department may require. 2 Without prejudice to the generality of paragraph (1) an eligible student shall produce— a if he was born in the United Kingdom, a certificate issued by the appropriate authority showing the date of his birth; b if he was born outside the United Kingdom, a valid passport, unless he is a refugee or does not hold one, and in any event a letter or other document issued by a responsible person which contains particulars of his date, place and country of birth and his names at birth; c a United Kingdom national insurance card, or some other document issued or sent to the student by a government department or agency or by an employer which refers to his national insurance number, unless he does not have such a number; and d evidence from the institution providing the designated course he is attending that he has commenced attending that course and of the duration of that course. 3 The Department may take such steps and make such inquiries as it considers necessary to determine whether any student is an eligible student. 4 If the Department considers that a person is an eligible student it shall issue to the student an eligibility form for the student to complete. 5 An eligibility form shall include the following particulars— a the full name of the student and his or her sex; b the student’s United Kingdom national insurance number, unless he does not have one; c the student’s most recent student loan account number, if any; d if the student’s full name at birth was different from the above, his full name at birth; e the country in which the student was born; f if the student was born in the United Kingdom, the place where his birth certificate was issued; g the student’s date of birth; h the student’s home address and telephone number and any term-time address and telephone number if it is different and in such a case an indication to which address correspondence should be sent; i whether the student was, on the first day of the designated course he is attending, ordinarily resident for the purposes of these Regulations in England and Wales, Scotland or Northern Ireland; j the student’s bank or building society sort code and account number, if any; k the student’s age on the first day of the designated course he is attending; l the date on which the student expects to complete the course; m whether the course is— i for a Postgraduate Certificate of Education or Art Teacher’s Certificate; ii an accelerated course; or iii another designated course; n the name of the institution which provides the designated course the student is attending and, if any part of the course is provided by an institution other than that institution, and indication to that effect; o the number of academic years of the designated course the student is attending, whether he is in the first, second, third or other of those years on the date the certificate is signed, and whether the academic years of the course begin in the autumn, the winter, the spring or the summer; and p the matriculation or student number assigned to the student by the institution providing the designated course he is attending. 6 The student shall sign a declaration on the eligibility form that— a the particulars given in the eligibility form are correct to the best of his knowledge and belief; and b he will notify the Department of any change in them. 7 If the Department is satisfied that the particulars in the eligibilty form are correct and that the student is an eligible student it shall certify those matters to the best of its knowledge and belief and also certify the amount of loan to which it considers the student is entitled (“a certficate of eligibility”). 8 The Department shall issue to each student whose eligibility it has certified under paragraph (7) an application form (“a loan application form”) which identifies the certificate of eligibility relating to that student. Part III Loans for Maintenance Application for a loan 6 1 An eligible student shall apply for a loan in relation to an academic year by completing and submitting to the Department a loan application form not later than one month before the end of that academic year. 2 A loan application form submitted by a student under paragraph (1) shall include— a the student’s full name and his or her sex; b the student’s United Kingdom national insurance number, unless he does not have one; c his student loan account number, if he has applied for a loan before and the Department has informed him of his account number; d details of the bank or building society account into which the loan will be paid, unless the student does not have such an account; e the name, address and telephone number of two persons who know the student; f a statement whether the student has ever been declared bankrupt or whether his estate has ever been sequestrated; and g the amount the student wishes to borrow in relation to the academic year in respect of which the application is made not exceeding the relevant maximum amount specified in relation to his case in regulation 7. 3 A student shall sign a declaration on the loan application form submitted by him under paragraph (1) that— a the particulars given in the application form are correct to the best of his knowledge and belief; b he will notify the Department of any change in them; and c he will repay any amount lent to him, together with interest and applicable charges and penalties, in accordance with the Order and Regulations made thereunder from time to time. 4 If a loan application form submitted by any student under paragraph (1) is received by the Department more than 30 days after the date on which the certificate of eligibility in relation to that student is signed the Department shall inquire of the institution which provides the student’s course whether the student is still attending that course, and not proceed with the application until the institution has satisfied it that the student is still attending the course. 5 The Department on being satisfied that any person is an eligible student in relation to an academic year shall lend him for his maintenance the amount requested by the student under paragraph (2) for that year in accordance with and subject to regulation 8. 6 Where a borrower has not in a loan application form requested the maximum amount of loan to which he is entitled under regulation 7 in relation to any academic year he may, on one further occasion only, apply to borrow an additional amount for that year provided that the additional amount, when added to the amount already applied for in the loan application form, shall not exceed the relevant maximum amount specified in relation to his case in regulation 7. 7 An application under paragraph (6) shall be made in writing not later than one month before the end of the academic year and paragraphs (2)( a ) to ( d ), (3) and (4) shall apply to it as they apply to an application made in a loan application form. 8 The Department on being satisfied that a borrower who has made an application under paragraph (6) remains an eligible student and is entitled to borrow an additional amount for the academic year in question shall lend him the additional amount requested in accordance with and subject to regulation 8. Amounts of loans 7 1 Subject to paragraphs (2) to (5) the maximum amount which may be lent to an eligible student in relation to any one academic year of a course shall be— a for a student who resides at the home of his parent, £2,325; b for a student who does not reside at the home of his parent— i if he attends a course provided by the University of London or by an institution within the area comprising the City of London and the metropolitan police district, £3,145; ii otherwise £2,735. 2 Subject to paragraphs (3) to (5) the maximum amount which may be lent to an eligible student in relation to an academic year which is the final year of a course other than an accelerated course shall be— a for a student who resides at the home of his parent, £1,970; b for a student who does not reside at the home of his parent— i if he attends a course provided by the University of London or by an institution within the area comprising the City of London and the metropolitan police district, £2,565; ii otherwise £2,265. 3 Subject to paragraph (4) where the course which an eligible student attends includes a period of residence in a country other than the United Kingdom throughout the academic year, the maximum amount of the loan in relation to that academic year shall be £2,735 or if the year is the final year of the course £2,265. 4 For the purposes of paragraphs (1) to (3) where a postgraduate course of initial training for teachers is of only one academic year’s duration that year shall not be treated as the final year of the course, and for the purposes of paragraphs (1) and (2), a student’s place of residence shall be his place of residence on the date of the certificate of eligibility given in relation to him. 5 Where, in relation to an academic year, a student is eligible to receive any payment pursuant to any bursary or award of similar descripion made to him in pursuance of Article 44 of the Health and Personal Social Services (Northern Ireland) Order 1972 the amount of which is calculated by reference to his income then, unless the course he is attending leads to qualification as a medical doctor or as a dentist, paragraphs (1) to (3) shall have effect as if £1,000 had been deducted from each of the amounts referred to therein. Payments 8 1 The Department shall pay the amount to be lent to an eligible student under regulation 6(5) in instalments in accordance with the following provisions— a if the first instalment is paid during the first quarter of the academic year, the amount shall be paid in three equal instalments; b if the first instalment is paid during the second quarter of the academic year, the amount shall be paid in two instalments, the first amounting to two thirds of the amount, and the second one third of the amount; and c if the first instalment is paid during the third or fourth quarter of the academic year, the amount shall be paid in one instalment. 2 The Department shall pay any additional amount to be lent to an eligible student under regulation 6(8) in instalments in accordance with the following provisions— a if the first instalment is paid during the first quarter of the academic year, it shall be paid in three equal instalments, the second and third of which shall be paid with the second and third instalments referred to in paragraph (1)( a ); b if the first instalment is paid during the second quarter of the academic year, it shall be paid in two instalments, the first amounting to two thirds of the additional amount to be lent, and the second one third of that amount, the second to be paid with the second instalment referred to in paragraph 1( b ); and c if the first instalment is paid during the third or fourth quarter of the academic year, it shall be paid in one instalment. 3 Not more than one instalment shall be paid in respect of each quarter of the academic year and where there are more quarters during which instalments could be paid than the number of instalments payable, no instalments shall be paid in respect of the quarter during which, in the opinion of the Department, the longest of any vacations is taken. 4 The first instalment of a loan shall be paid under this regulation to an eligible student not later than 30 days after the Department has received a satisfactory loan application form relating to that student under regulation 6(1) or (6) and any subsequent instalment shall be paid during the quarter in respect of which it is paid. 5 Payments shall be made by electronic transfer to the student’s account or, if the student does not have such an account, by such other means as the Department considers appropriate. 6 Subject to regulation 9 an instalment of a loan shall not be paid after a student has withdrawn from, abandoned or been expelled from, the designated course in relation to which the loan was made. 7 An instalment of a loan shall not be paid when a student is absent from the course in relation to which the loan was made, unless in the opinion of the Department in all the circumstances it would cause exceptional hardship to suspend the payment of instalments. 8 A student shall not be considered to be absent from his course if he is unable to attend due to illness and his absence has not exceeded 60 days. 9 If the payment of instalments of a loan to a student has been suspended under paragraph (6) or (7) and before the end of the academic year the student commences attending his course again the Department may pay the further instalments of the loan but may reduce the amount of the loan and the amount of any further instalments of it in such proportions as it considers appropriate in the circumstances. Transfers 9 1 If, during any academic year, a borrower withdraws from a designated course provided by an institution with the agreement of that institution without completing the course and if, disregarding any intervening vacation, he immediately commences attending another designated course provided by the same institution his loan shall be treated for any purpose of the Order or of these Regulations as if it were a loan in relation to the academic year of that second course or any subsequent course which he commences in the same circumstances. 2 A borrower who has commenced attending another designated course as described in paragraph (1) shall notify the Department of any change in the particulars set out in his certificate of eligibility in accordance with regulation 5 and in particular shall provide particulars of the matters referred to in regulation 5(5)( l ) to ( o ). 3 If, during any academic year, a borrower withdraws from a designated course provided by an institution with the agreement of that institution without completing the course and if, disregarding any intervening vacation, he immediately commences attending another designated course provided by a different institution then, subject to paragraphs (4) and (5), he shall be treated for any purpose of the Order or of these Regulations as having withdrawn from the course in relation to which his loan was made and no further payment of instalments of that loan shall be made to him. 4 A borrower who commenced attending another designated course in the circumstances described in paragraph (3) may notwithstanding regulation 3(1)( e ) be eligible for a new loan in relation to the academic year of that second course. 5 An application for a new loan for any academic year in reliance on paragraph (4) shall be made in accordance with regulation 6 but, where such a loan is made, regulation 7 shall have effect in relation to that loan as if the amount of any instalments already paid to the borrower in relation to that academic year were deducted from the relevant maximum amount set out therein. Hardship Loan 10 1 A borrower who has applied for the maximum amount of loan in relation to an academic year may apply once only for an additional loan on the grounds of hardship, which shall be known as a “hardship loan”. 2 A hardship loan shall be not less than £100 and not more than £250 and shall be a multiple of £25. 3 A borrower shall demonstrate hardship by completing a questionnaire and providing such evidence of his requirements and resources as the Department may require. 4 On being satisfied that, due to exceptional financial hardship, a borrower may not be able to continue to attend the designated course in relation to which a loan has been made for the remaining part of the academic year in question, the Department shall determine the amount of hardship loan which it considers that the borrower requires and shall advise the borrower of that amount and issue to him an application form. 5 The borrower shall apply to the Department for a hardship loan not greater than the amount notified to him under paragraph (4) by completing the form issued to him under that paragraph and regulation 6(2)( a ) to ( d ) and (3) shall apply to it as it applies to a loan application form. 6 The Department shall certify on the form that to the best of its knowledge and belief— a the particulars in the form are correct; b the borrower continues to attend the course in relation to which a loan was made to him; and c due to exceptional financial hardship the borrower might not be able to continue to attend that course for the remaining part of the academic year and that he ought to be lent the amount applied for. 7 The borrower shall submit the completed and certified application form to the Department not more than 30 days after the date of the certificate referred to in paragraph (6) and not later than one month before the end of the academic year, and the Department shall pay the amount to be lent within 14 days of receipt of a satisfactory application. Interest 11 1 Subject to paragraph (2) loans shall bear interest at the rate which results in an annual percentage rate of charge determined in accordance with the Consumer Credit (Total Charge for Credit) Regulations 1980 of 3·5 per cent. 2 If the rate referred to in paragraph (1) exceeds the rate for the time being specified for the purposes of any exemption conferred by virtue of section 16(5)( b ) of the Consumer Credit Act 1974 loans shall bear interest at that rate. 3 Interest shall be calculated on the principal outstanding daily, and shall be added to the principal monthly. 4 The index of prices which the Department is required by Article 3(8) of the Order to have regard to in prescribing the rate of interest which loans shall bear shall be the retail prices all items index published by the Office for National Statistics. Repayments 12 1 A borrower may pay any part of or all of any moneys he owes to the Department under the Order and Regulations at any time without charge or penalty. 2 A borrower shall not be required to pay any moneys he owes before 6th April 2000. 3 Any liability of a borrower under the Order and Regulations shall be cancelled if he— a dies; b is not in breach of any obligation to repay any relevant loan and he has attained the age of 65; or c receives a disability related benefit and the Department is satisfied that because of his disability he is permanently unfit for work. 4 For the purposes of paragraph (3) “relevant loan” has the meaning given to it in regulation 3(3). Insolvency 13 There shall not be treated as part of a bankrupt’s estate or claimed for his estate under Article 280 or 283 of the Insolvency (Northern Ireland) Order 1989 any sum payable to a student by way of a loan and which he receives or is entitled to receive after the commencement of the bankruptcy, whether his entitlement arises before or after the commencement of his bankruptcy. Information 14 1 Every applicant for a loan and every borrower shall inform the Department if— a he withdraws from, abandons or is expelled from, the course in relation to which the loan is to be or has been made; b he ceases to attend that course and does not intend to or is not permitted to return for the remainder of the academic year in question; c he transfers to another course, at the same or a different institution, whether or not the new course is a designated course; or d he is absent from his course for more than 60 days for any reason, including illness. 2 Every applicant for a loan and every borrower shall as soon as reasonably practicable provide the Department with details of any change of home or term time address or telephone number and of any new bank or building society account into which any amount lent to him may be paid by electronic transfer. Sealed with the Official Seal of the Department of Education on Andrew McCormick Assistant Secretary 20th August 1998.