​CAP Money Students

Students face one of the biggest budgeting challenges out there: An irregular income of termly loans/grants, long summer holidays with no guaranteed income, house and bill sharing, negotiating student loans and overdrafts.

CAP Money Students is a short, practical course that will put you in control of your finances while you are at university. It teaches budgeting skills and a simple cash-based system that really works, alongside vital information about student debt.

CAP Money Students will help you figure it out, set up a budget that works and stay in control of your money. Are you up for it?


​Get on a course

CAP Money Students aims to teach you these four key principles:

  1. How to build and live on a budget. This is the cornerstone of managing your money well. The session includes advice on how to increase your income and how to cut costs.
  2. The CAP Money Course system. This system will help to simplify the way you use your money and make it more understandable. It operates using four accounts: a regular payments account, a cash account, a savings account and a holding account. The holding account helps to deal with the irregular income flow that students have to cope with and avoid confusion.
  3. How to live from week to week using cash. Living on cash and getting away from cards means you know exactly where you are, and helps you to spend less money.
  4. How to deal with student debt. Living in debt is part of student life, but the CAP Money Course will give you tips about what is ‘good debt’ and what debt you need to avoid.

During the course there will be an option to discuss your budget with a trained CAP Money Coach. A unique benefit of the CAP Money Course is that if you have unmanageable debts, you will be able to access CAP Money Plus. This is an internet-based debt counselling service from Christians Against Poverty.

What to Expect

CAP Money Students is tried and tested, and is run in thousands of locations throughout the UK by churches or Christian Unions that partner with CAP. Some courses are run from the church building and others in cafes or similar. The number of people attending can range from five to 60.

'I was trying to be in control but not succeeding, I was feeling anxious. Thanks to the CAP Money Students course I am feeling more confident and in control.'

Karl - a CAP Money Students delegate

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