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Top 10 ways to reduce your university debt this year

With Tories raising tuition fees even further, and having scrapped the maintenance grant, it's more important than ever for students to budget their way through university - and Claire Beveridge tells you how to do it

The hidden costs of student living show that maintenance loans

Whatever your view of student life in the UK, the most popular image appears in Natwest’s Uniproof adverts, which jokingly refer to a student’s hectic schedule while showing them wrapped in a duvet with their phone and a mug of hot something, presumably after a rough night out. This stereotype of messy socialising students, increasingly surrounded by technology and creature comforts, is very familiar - but needs updating.

Your indispensable last-minute guide to making your own Christmas

Christmas is approaching, which means late-night shopping, seasonal sales and stretched student overdrafts. Ticking off the presents list is always difficult when your pockets are less than lined and you’re buying for the friends and family who have everything imaginable. So instead of reaching for the house swear jar or skipping the in between classes Tesco meal deal, crafted gifts are the answer.

Student credit cards: How to use credit responsibly at university

So you’re feeling pretty pleased with yourself; you've passed your exams, made it to uni, and survived freshers' week. Now you’re offered a student credit card. What to do? Do you say yes, just in case? Or are you from the "credit cards are the devil" school of thought? There’s no ‘right’ answer, but if you know what you’re doing you can use your card to your - not the bank’s - advantage.

8 must-have items students need to take to university

Whether you’re starting university this September or returning for your second or final year, there are some things you won’t be able to get by without as a student, no matter what stage you’re at. Get your suitcase ready and put on your sweetest voice for a quick and hefty withdrawal from the bank of mum and dad if you have to for these eight essential items.