This handbook is free but you'll need to log in to view it. Why do I need to log in? Log in Create account Go to Basic facts 1. Working out your income 2. Grants and loans Grants Student loan 3. Discretionary funds and other payments Discretionary funds Lump-sum payments Regular payments Other payments Voluntary or charitable payments 4. Earnings 5. Benefits 6. Maintenance 7. Savings and other capital ← Previous 8. Savings and other capital Next → Basic facts