{"id":4725,"date":"2026-03-10T10:27:57","date_gmt":"2026-03-10T10:27:57","guid":{"rendered":"https:\/\/olioapp.com\/en\/?p=4725"},"modified":"2026-03-10T10:27:57","modified_gmt":"2026-03-10T10:27:57","slug":"student-loan-is-running-out","status":"publish","type":"post","link":"https:\/\/olioapp.com\/en\/students\/student-loan-is-running-out\/","title":{"rendered":"What to do when your student loan is running out"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>A practical survival guide for students waiting on their next instalment \u2013 with thrifty tips, emergency resources, and ways to find free food.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your student loan is supposed to last the whole term. In reality, it often doesn\u2019t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One minute you\u2019re feeling financially responsible, the next you open your banking app and realise the number in your account is a lot smaller than it should be\u2026 and the next loan instalment is still weeks away \ud83d\udc40<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rent, bills, food shops, travel, nights out, course materials\u2026 it all adds up quickly. And suddenly you&#8217;re doing mental maths in the supermarket wondering whether ramen noodles count as a balanced diet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If this has happened to you, you\u2019re not alone! Loads of students end up stretching the last part of term on a very tight budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news is there are ways to make the gap more manageable \u2013 from finding <a href=\"https:\/\/olioapp.com\/en\/getting-started-on-olio\/what-is-olio\/\" target=\"_blank\" rel=\"noreferrer noopener\">free food near<\/a> you to cutting everyday costs and tapping into existing support specifically for students.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step one: work out exactly what you have left<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before panic kicks in, take five minutes to get clear on what you\u2019re actually working with. Check your balance and work out how long it needs to last until your next loan payment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714\ufe0f \u00a3180 left<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714\ufe0f 3 weeks until the next payment<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714\ufe0f \u00a360 per week<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714\ufe0f roughly \u00a38.5 per day<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It might feel a bit grim seeing the numbers laid out like that, but having a weekly and a daily&nbsp; figure makes it much easier to avoid accidentally spending everything in one weekend.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find free food near you with Olio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the fastest ways to reduce spending when your student loan is running out is to cut your grocery bill \u2013 and that\u2019s exactly where <a href=\"https:\/\/olioapp.com\/en\/getting-started-on-olio\/what-is-olio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Olio<\/a> comes in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Olio is a free app that connects you with surplus food in your local area. Local shops, supermarkets (Tesco, Sainsbury\u2019s and more) and households share food they can\u2019t use \u2013 and you can collect&nbsp; it for free. This saves perfectly good food from going to waste and helps you save money, too!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Olio\u2019s <a href=\"https:\/\/help.olioapp.com\/en\/articles\/12277114-what-is-a-food-waste-hero-and-how-do-i-get-started\" target=\"_blank\" rel=\"noreferrer noopener\">volunteer Food Waste Heroes<\/a> collect unsold food from local businesses each evening and list it on the app \u2013 so there\u2019s fresh, quality food available every single day. Students can expect to find food like:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf5e fresh bread and pastries<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf4e fruit and vegetables<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udd6a ready meals and sandwiches<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udd6bcupboard staples and snacks<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf71 chef-prepared cooked meals from local food businesses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s completely free to use. Just message whoever is sharing the food, arrange a pick-up time, and head out to collect it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Across the UK, over <strong>\u00a36 million worth of free food is shared on Olio every month<\/strong> \u2013 that\u2019s a huge amount of meals that would otherwise go in the bin. It\u2019s definitely worth checking the app if you\u2019re trying to keep costs down.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center is-style-default\"><strong>\ud83d\udca1 Check the app after 9pm<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Olio\u2019s Food Waste Heroes collect unsold food from local shops in the evening, which means most food is shared on the app after 9pm. Checking the app in the evening gives you a pick of the best items.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-tiktok wp-block-embed-tiktok\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@connorcundale\/video\/7059425442066910470\" data-video-id=\"7059425442066910470\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\"> <section> <a target=\"_blank\" title=\"@connorcundale\" href=\"https:\/\/www.tiktok.com\/@connorcundale?refer=embed\">@connorcundale<\/a> <p>Go check out OLIO now.. \ud83c\udf0e Link is in my bio! \u263a\ufe0f\ud83c\udf69 @OLIO.app <a title=\"fyp\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/fyp?refer=embed\">#fyp<\/a> <a title=\"foryoupage\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/foryoupage?refer=embed\">#foryoupage<\/a> <a title=\"olio\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/olio?refer=embed\">#Olio<\/a> <a title=\"olioapp\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/olioapp?refer=embed\">#Olioapp<\/a> <a title=\"freefood\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/freefood?refer=embed\">#freefood<\/a><\/p> <a target=\"_blank\" title=\"\u266c Beg For You (feat. Rina Sawayama) - Charli xcx\" href=\"https:\/\/www.tiktok.com\/music\/Beg-For-You-feat-Rina-Sawayama-7054888818105436162?refer=embed\">\u266c Beg For You (feat. Rina Sawayama) &#8211; Charli xcx<\/a> <\/section> <\/blockquote> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Save money on groceries with Olio\u2019s Reduced Food section<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re trying to stretch your food budget and your student loan is running out, yellow-sticker deals are your best friend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Olio doesn\u2019t just list free food \u2013 it also has a <a href=\"https:\/\/olioapp.com\/en\/olio-updates\/introducing-our-new-deals-section-on-olio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Reduced Food section<\/a> where local supermarkets share their yellow-sticker deals in real time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Browse what\u2019s been marked down before you even leave the house, then head straight to the right aisle. Supermarkets often discount things like bakery items, vegetables, ready meals and sandwiches heavily when they approach their Use By date \u2013 you can pick up dinner for a couple of pounds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combined with the free food listings, it\u2019s one of the most practical tools out there for students trying to eat well on almost nothing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Learn a few genuinely cheap meals that actually taste good<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When money is tight, having four or five go-to cheap meals in your repertoire can save you a lot of money \u2013 and a lot of stress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a few staple dishes you can count on to stretch your budget further:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf5c <a href=\"https:\/\/madeleineolivia.co.uk\/red-lentil-dahl\/https:\/\/madeleineolivia.co.uk\/red-lentil-dahl\/\" target=\"_blank\" rel=\"noreferrer noopener\">lentil dhal<\/a> or <a href=\"https:\/\/www.budgetbytes.com\/mexican-lentil-stew\/\" target=\"_blank\" rel=\"noreferrer noopener\">stew<\/a> \u2013 filling, warming, and costs almost nothing per portion<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf5a <a href=\"https:\/\/www.bbcgoodfood.com\/recipes\/oriental-egg-fried-rice\" target=\"_blank\" rel=\"noreferrer noopener\">egg fried rice<\/a> \u2013 a great way to use up leftover rice and whatever veg you have<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf5b <a href=\"https:\/\/www.bytheforkful.com\/vegetarian-bean-chilli\/\" target=\"_blank\" rel=\"noreferrer noopener\">bean chilli<\/a> \u2013 hearty, high-protein, and freezes well<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> \ud83c\udf5d <a href=\"https:\/\/www.savethestudent.org\/save-money\/food-drink\/amazingly-easy-pasta-recipes.htmlhttps:\/\/www.savethestudent.org\/save-money\/food-drink\/amazingly-easy-pasta-recipes.html\" target=\"_blank\" rel=\"noreferrer noopener\">pasta<\/a> \u2013 endlessly versatile and one of the cheapest staples going<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key is swapping and substituting based on what you already have. These meals are cheap, filling and proof that cooking on a budget doesn\u2019t have to mean eating boringly.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center\">\ud83d\udca1 Batch cook and freeze<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Cook a big pot of curry, soup or chilli and freeze it in portions so you don\u2019t waste any. Future you will be very grateful when there\u2019s a ready meal waiting and the bank account is looking bleak.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Make the most of student discounts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Student discounts exist for a reason \u2013 use them. Even saving a few pounds here and there adds up fast when your student loan is running out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Platforms like:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <a href=\"https:\/\/www.myunidays.com\/GB\/en-GB\" target=\"_blank\" rel=\"noreferrer noopener\">UNiDAYS<\/a> \u2013 discounts on food delivery, tech, fashion and more<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <a href=\"https:\/\/www.studentbeans.com\/uk\" target=\"_blank\" rel=\"noreferrer noopener\">Student Beans<\/a> \u2013 similar range, worth checking both as deals differ<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <a href=\"https:\/\/totum.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">TOTUM<\/a> \u2013 the NUS card successor, good for travel and retail<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>One underrated move:<\/strong> check whether your local pizza, burger or noodle places offer a student deal not listed on the big platforms. Many do, and you just need to show your student ID.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pause subscriptions (temporarily)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Streaming services and subscription boxes can quietly drain your account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;If your student loan has run out, pausing Netflix, Spotify, Amazon Prime or similar for a few weeks could easily save you some money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most services let you pause rather than cancel, so you won\u2019t lose anything. You can restart them the day your next instalment lands.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sell things you don\u2019t use anymore<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Old textbooks, clothes, gadgets or small appliances can often be turned into quick cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Students commonly sell things through:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udecd\ufe0f Vinted &amp; Depop \u2013 great for clothes, shoes and accessories<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udecd\ufe0f Facebook Marketplace \u2013 best for furniture<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udecd\ufe0f University selling groups \u2013 fast and local<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udecd\ufe0f Olio \u2013 you can sell a variety of different items on the app for local people to collect in person\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This won\u2019t be instant cash, but listing things takes minutes and the payoff is worth it.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"831\" src=\"https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-1024x831.jpg\" alt=\"student loan is running out\" class=\"wp-image-2290\" style=\"width:600px\" srcset=\"https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-1024x831.jpg 1024w, https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-300x243.jpg 300w, https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-768x623.jpg 768w, https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-1536x1246.jpg 1536w, https:\/\/olioapp.com\/en\/wp-content\/uploads\/sites\/1\/2023\/03\/Untitled-design-1-2048x1661.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Cut transport costs by walking more<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Transport costs are easy to overlook but can add up to \u00a315\u2013\u00a325 a week if you\u2019re using buses or trains daily. Switching to walking or cycling for shorter journeys \u2013 even just a few times a week \u2013 can make a real dent in your spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most student cities are more walkable than they first appear, and it\u2019s a good way to get some mood-boosting headspace too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Check what your student union offers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Student unions often have more support available than students realise\u00a0 and it\u2019s worth checking what yours provides when your loan runs out:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Food pantries or free food collections<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Free or subsidised meals on campus<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Welfare advice and financial guidance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Emergency hardship funds<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check your SU website or drop into the welfare office. These resources exist specifically for situations like this \u2013 you\u2019re not being dramatic by using them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Use Save the Student for ongoing money tips<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to get better at managing your student finances beyond just surviving this term, <a href=\"https:\/\/www.savethestudent.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Save the Student<\/a> is one of the best resources out there. It\u2019s useful, regularly updated, and covers far more than just emergencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Worth bookmarking for:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Practical budgeting advice tailored to student life<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Up-to-date roundups of the best student discounts<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Tips on making your loan last the full term<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd18 Guidance on rent, bills, food spending and part-time work<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think of it as a financial survival guide for your whole time at uni, not just the tough weeks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you\u2019re really struggling, get proper financial support<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the situation is becoming increasingly stressful, your university\u2019s student money adviser is the right first call. They can help you access hardship funds, review your loan entitlement, and point you to further support \u2013 many of them are guided by <a href=\"https:\/\/www.nasma.org.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">NASMA<\/a> (the National Association of Student Money Advisers), which sets standards for student financial advice across the UK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reaching out early \u2013 before things spiral \u2013 is always best. Most universities have ways to help students in financial difficulty, and you won\u2019t be judged for asking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You\u2019re not the only student whose student loan is running out<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Student loan running out before your next student loan payment is common\u00a0 and it doesn\u2019t mean you\u2019ve done anything wrong. Rising living costs and fixed loan instalments are a difficult combination.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The tools and resources are out there. A weekly budget, a few cheap staple meals, your student union\u2019s support, and the Olio app for free food near you can make those final weeks feel a lot more manageable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Download Olio and check what\u2019s free near you tonight \u2013 <a href=\"https:\/\/links.olioex.com\/r\/Loan_Drop_Blog\" target=\"_blank\" rel=\"noreferrer noopener\">get the app here<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently asked questions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What should I do first if my student loan is running out?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Work out your exact weekly budget by dividing your remaining balance by the number of weeks until your next payment. Then focus on reducing your biggest costs \u2013 usually food and transport \u2013 before anything else.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can I get free food as a student in the UK?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2013 <a href=\"https:\/\/olioapp.com\/en\/getting-started-on-olio\/what-is-olio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Olio<\/a> is one of the best ways to find free food near you. Local shops, supermarkets and food businesses share surplus food through the app every day. It\u2019s free to use and available across the UK..<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How long does it take to get emergency student finance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It varies by university, but most hardship funds aim to process applications within a few days to two weeks. Contact your student money adviser as soon as possible \u2013 the sooner you apply, the sooner you can get support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What\u2019s the best way to make my student loan last longer?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest wins are usually on food (use Olio and batch cook), transport (walk where you can), and subscriptions (pause them temporarily). Having a weekly budget \u2013 rather than just watching the total balance \u2013 also makes a big difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is it normal for student loans to run out before the end of term?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Very. With rising living costs and fixed loan instalments that don\u2019t always reflect real expenses, plenty of students hit a gap before their next payment. There\u2019s no shame in it, and there are resources to help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A practical survival guide for students waiting on their next instalment \u2013 with thrifty tips, emergency resources, and ways to&hellip;<\/p>\n","protected":false},"author":32,"featured_media":4726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-4725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-students"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to do when your student loan is running out - Olio | At Home<\/title>\n<meta name=\"description\" content=\"Student loan running out before your next payment? 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