Money and debt help

Financial challenges can be overwhelming while studying, but it helps to prioritise key bills and highest-interest debts. Learn how to which bills should take priority and how to ask for help as early as possible.

Prioritise your bills  

It’s stressful when you don’t have enough money to pay bills. Prioritising expenses that help you maintain a stable living situation can help you to manage the financial ups and downs of university life. 

  1. Rent and utilities are essential to a stable living situation 

  1. Tuition fees and any educational materials you might need 

  1. Food and transport costs 

  1. Debt payments, tackle the highest interest debts first 

  1. Necessities such as phone, internet, contact lenses and other health related costs 

  1. Non-essential expenses like entertainment, shopping and eating out. 


Bill prioritiser (Money Helper)

Dealing with debt (Money Helper)


Difficulty paying your tuition fees 

Paying your tuition fees is a legal obligation. Contact us as soon as you know there is likely to be an issue 

If you have financial difficulties before your course begins, you may want to delay the start date until you have the funds to cover your fees. Speak to your Personal Tutor, Supervisor or Director of Studies if you are considering this option. 

There are options available if you are having issues paying your fees once your course has begun. Payment plans may be available. If you are considering deferring or interrupting your studies, speak to your Personal Tutor, Supervisor or Director of Studies. 

 Contact the Finance helpline (Edhelp requires University login.)    


Communicate with creditors and service providers 

 If you're facing financial difficulties, don't hesitate to communicate with your creditors and service providers. Reach out to discuss payment plans, possible extensions, or potential hardship programs. Many companies are willing to work with people facing financial challenges, especially students. 

Talk to your creditor (Money Helper)


Explore funding and support options 

If you're struggling to meet your essential bills, explore funding options available from the University.  This may include grants, scholarships, bursaries, or emergency funds. 

Scholarships and Student Funding website 


Speak to an expert advisor 

Free, independent and impartial advice is available if you are struggling financially. Don’t hesitate to reach out. 

Advice Place by calling 0131 374 4581, or emailing

Citizens Advice Scotland (They have a helpline and local offices)  

National Debtline (They have a webchat during office hours)