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Student Finance

Student Finance for Home Students

As a 'home' student, you may be able to access money to as a contribution towards your costs of tuition fees and living costs. 

You can usually apply for this funding if you are a UK national or have no restrictions on your stay in the UK and have 3 years lawful residence in the UK and Islands prior to the start of the course. 

In some cases, you may be able to apply for funding if you have settled (and sometimes pre-settled) status under the EU settlement scheme. There are other statuses which would also make you eligible for funding, for example if you are an EEA or Swiss migrant worker, child of a Turkish Worker, have been granted 'Calais Leave' etc.  For more information on this, see your funding provider's website.

Group of Students


Student Finance for Masters Courses

You can apply for loans and grants as a contribution towards your course and living costs if you are starting a course in 2024/25 academic year. 

  • You can apply for a loan as a contribution towards your course and living costs if you are starting a course in 2024/25 academic year.
  • For new students starting their course in 2024/25, up to £18,950 is available (providing you meet the residency criteria)
  • Non means tested (not dependent on your family’s income)
  • Both taught and research master's courses are eligible, including MA, MSc, LLM, MRes, MA by Research, and MSc by Research courses.

  • Available for full-time, part-time and distance learning master's programmes.
  • You must be studying the full 180 credits of the masters course and must not be 'topping up' or using any accredited prior learning or similar towards the qualification to be eligible for funding.

To be eligible for funding through Student Finance Wales, part-time courses can be of two, three, or four year duration. Full time course can be of one or two year duration.


You will get the first payment after you have started your course, and your university confirms that you’ve registered.

Payments will be made in three instalments of 33%, 33% and 34% for each academic year.

Please be aware that your fees will not be paid directly to the University, you will need to make separate arrangements to pay your fees yourself.

If you wish to pay using your student funding, you can set up payments in line with the dates you receive your student funding by contacting the revenue department once you enrol on the course. 

Full eligibility criteria and details of how to apply can be found on the Student Finance Wales website.

You can apply for a loan as a contribution towards your course and living costs if you are starting a course in 2024/25 academic year. 

  • For new students starting their course in 2024/25, up to £12,471 is available to English-domiciled students (providing you meet the residency criteria).

  • Available to students under the age of 60 on the first day of the first academic year.

  • Non means tested (not dependent on your family's income)

  • Both taught and research master's courses are eligible, including MA, MSc, LLM, MRes, MA by Research, and MSc by Research courses.
  • Available for full-time, part-time and distance learning Master's programmes.
  • You must be studying the full 180 credits of the masters course and must not be 'topping up' or using any accredited prior learning or similar towards the qualification to be eligible for funding.
  • To be eligible for funding through Student Finance England, part-time courses must be either part-time, lasting 2 to 4 academic years and no more than twice the length of the equivalent full-time course or part-time for up to 3 years, where no equivalent full-time course exists.


You will get the first payment after you have started your course, and your university confirms that you’ve registered.

Payments will be made in three instalments of 33%, 33% and 34% for each academic year.

Please be aware that your fees will not be paid directly to the University, you will need to make separate arrangements to pay your fees yourself.

If you wish to pay using your student funding, you can set up payments in line with the dates you receive your student funding by contacting the revenue department once you enrol on the course. 

*Full eligibility criteria and details of how to apply can be found on the Student Finance England website.   

Postgraduate Tuition Fee Loan

The funding available is a loan to help you pay all or some of your tuition fees up to a maximum of £7,000 for full-time courses. If you choose to take out a loan to pay all or some of the fees, you will do so on the same terms as a student loan for living costs.

If you withdraw from your course, you may not be eligible for a loan to help with the cost of your fees. However, your university may still charge you fees for the time you have been on the course.

Postgraduate Living Cost loan

Eligible full-time postgraduate students can apply to us for a living-cost loan up to £4,500. To be eligible for the living-cost loan, in addition to meeting our eligibility conditions, you must:

  • be under 61 on the first day of the first academic year of your course (normally 1 August). If you change course and are aged 60 or over on the relevant date of your second course, you will not be entitled to a student loan for your second course.

Further information can be found on the Student Award Agency Scotland website.

If you are due to start on a postgraduate certificate, postgraduate diploma, taught Masters or research Masters, you may be eligible to apply for a Postgraduate Tuition Fee Loan of up to £5,500 for the course, to help with the cost of your course fees. The Postgraduate Tuition Fee Loan can’t be more than the actual fee charged by the university or college, it isn’t based on household income, and you must repay it. It is paid directly to your university or college.

Please use Student Finance Northern Ireland's website for further updates, including how to apply.

Postgraduate Masters funding will be available if you don’t already hold a Masters degree or other higher qualification gained either in the UK or overseas. If you have a lower level qualification and want to ‘top-up’ to a Masters degree, you won’t be eligible for postgraduate Masters funding, as you can only get postgraduate funding for a full postgraduate Masters course. You won’t be able to get Postgraduate Masters Finance if you’ve received a Postgraduate Loan before, unless you left your course because of compelling personal reasons, such as:

  • illness
  • bereavement
  • or another serious personal reason.
Undergraduate Scholarships and Bursaries Information


Doctoral Courses

Doctoral Courses

You can apply for a loan to help with your course fees and living costs while you study if you are starting a full time or part-time doctoral course (PhD). You will get the first payment after you have started your course, and your university confirms that you’ve registered.

  • Up to £29,390 for English domiciled students starting their course in 2024/25.
  • Up to £28,655 for Welsh domiciled students starting their course in 2024/25
  • Available to students under 60 on the first day of the first academic year
  • Non means tested (not dependent on family income)
  • It must be a full, standalone doctoral course (not top up) and last between 3 and 8 years e.g. PhD / DPhil, EdD, EngD
  • It can be research-based or taught, or a combination of both
  • You can apply for a loan if your doctoral programme includes an integrated masters (even if you already hold a masters degree)
  • You will not be able to get a doctoral loan if you receive / will receive other funding for the course e.g. Research Council Funding, Social Work Bursary, NHS Bursary, KEES 2 scheme funding etc.

Payments will be made in three instalments of 33%, 33% and 34% for each academic year.

Repayments

Repayments

Details regarding how you will need to repay your postgraduate student loan, including how this will work if you also have an existing undergraduate student loan, can be found on the Student Loan Company's website.

Other Loans

Bank Loans

You may also wish to speak to other banks to see if there are any loans that they are able to offer for study.