Student Money MOT

Ten quick questions. No sign-up and nothing saved; there are no figures to type in. You get a score out of 100 and a short list of the money jobs you haven't got round to yet.

0 of 10 answered

1.Are you on a proper student bank account, the kind with a 0% arranged overdraft?

2.Do you know what you've got left to spend each week once rent and bills are paid?

3.Do you know which repayment Plan your student loan is on, and the salary you'd start repaying at?

4.If you rent privately, did your deposit go into a government protection scheme?

5.Would your laptop, phone and bike be covered if one of them got nicked?

6.Have you ever checked what bursaries, grants or scholarships you could claim?

7.Could you cover a surprise £100 bill, and do you know your uni runs a hardship fund?

8.Council tax: has your student house claimed its exemption?

9.Do you know whether you need a TV Licence where you live?

10.Have you got a Railcard, and are you using the student discount apps?

This MOT needs JavaScript to score your answers. You can still run the checklist by hand; work through the list and read the linked guide wherever you're not sure.

A student account with an interest-free overdraft. Best student bank accounts
Your weekly spending number. Student budget calculator
Your student loan Plan and threshold. Repaying your student loan
Your rented deposit protected in a scheme. Deposit protection
Contents insurance for your laptop. Student contents insurance
Any bursary or grant you can claim. Grants, scholarships and bursaries
An emergency buffer and the hardship fund. Student emergency fund
Council tax exemption claimed. Council tax rules for students
Whether you need a TV Licence. Do students need a TV Licence
A Railcard and the discount apps. Railcards for students

Updated 27 September 2026 · How we check

Student Money MOT

A PDF to go with this, by email