Cost of Living - Support Tools

Cost of living worries? We’re ready to support you.

There’s no question that the rising cost of living and the current economic climate are topics of conversation we’re all having right now, and something we’re hearing about every day in the media. You may be impacted as a result of these things, perhaps worrying about money, or considering compromises to stay on top of your financial commitments.

We understand that talking about money can feel stressful and overwhelming - so if you’re struggling with your repayment, not sure who to speak to, or what repayment options are available to you – we’re ready to support you and encourage you to please get in touch.

Your Erudio Student Loan

A reminder that if you meet the eligibility criteria, you may be able to apply for a Deferment. Each year you can apply for a deferment for 12 months, as long as your income is below the government-set threshold. The current eligibility criteria, as well as information about the current interest rate for Erudio Student Loans is available to read here. It's also important to understand if you’re entitled to Age Related Loan Cancellation. Further details of this are available for you to view here.

Contacting Erudio

Call us. Speak in complete confidence with our trained support agents. If you’re a UK resident, call us on 0333 003 7188. If you’re overseas, call us on (+44) 141 278 6114

Email us. Send a message to and remember to include your full name and account reference number

Login to for help with repayments, and to manage your account

Click here to download our 'Support Tools' summary

For further focus on the cost of living conversation, we’ve detailed a list of free, online sources of information below – and created a ‘Support Tools’ summary that may be of use. You might’ve already heard of some of the organisations we’ve called out, but we recommend taking a look and reaching out if you have any questions.

Free Money, Debt and Mental Health Advice Organisations:

Money Helper is a free service provided by the Money and Pensions Service (government sponsored) where you can receive money and pensions guidance. It’s a hub of information and provides content which you might find helpful – like ‘talking to your creditors’, understanding how energy price increases may impact you or how to deal with debt. You can also find information about government benefits and schemes offering help for customers impacted by the cost of living crisis, how they work and whether you may be eligible. For example, you can find information about ‘Warm Home Discount’, ‘Cold Weather Payments’, and other support packages.

StepChange Debt Charity is a charity offering debt advice and debt solutions – such as debt management plans and insolvency solutions. By contacting them and explaining your situation, they will help you explore your options and choose a solution which will best suit your circumstances. They also provide information about debt , how to manage and understand it.

National Debt Line is a charity offering free and independent advice over the phone and online. They offer a ‘Digital Advice Tool’ which gives you access to instant and tailored advice. They also have a ‘Cost of living library’ on their website where you can find useful information about money management and help available to you if you are struggling with payments.

Mental Health and Money Advice offers support and advice on the cost of living as well as the impact on mental health. Money can be a big influence on our mental health, and it’s important we know who to talk to. 

For more financial support, take a look at:

Your Online Account

Login to your account to:

  • Make a repayment
  • Apply for deferment
  • View your balance
  • View your transactions
  • Update your contact details