No, tuition fee loan isn't income-assessed, so you can get up to the maximum charged, which is £3290 for 2010/11. You get maximum maintenance grant of £2906 for 2010/11 for a household income (your wife's current income after maternity leave plus your unearned income during PGCE) up to £25k, and pro-rata up to £50020. You can also get maintenance loan, but exact amount depends on how much grant you get, and top 25% is income-assessed. You are unlikely to get anything for childcare, as your household income is too high. It needs to be around £10000 or less to get any significant amount. You may get increased Child Tax Credit and Working Tax Credit. Phone the helpline to let them know about change in circumstance. You also don't count as eligible adult for council tax, so effectively you pay a single household rate at 25% less. If you get full grant, you will also get a bursary from your uni, minimum £329. You can also take out NUS Extra card for useful discounts, 16-25 Railcard as mature student, and student/graduate bank account for cheap/free overdraft and other freebies (e.g. book tokens, railcard, or straightforward cash gift into your account).