Types of loans for international students

People study abroad for many reasons - to see new places, to experience a different culture, and maybe most importantly, to get access to student life and educational opportunities not available at home. If you want to study at a UK university, you’ll not only have access to some truly innovative teaching and research - you’ll also be joining one of the most multicultural student bodies in the world. 

Within the UK, there’s a huge range of universities and courses to choose from. So, how do you choose between over 160 institutions, and thousands of courses? Research finds that half of students who drop out of university early do so because they chose the wrong course, so it’s important to be completely happy with your choice.  

So, let’s have a look at what you need to consider before you make your university application, so that you can make the right choice. 

Choose your subject   

The first step in the process of choosing a university is deciding what you want to study. Your UCAS personal statement will be sent to all your university choices, so it should be relevant to all the courses you apply for. This means that all of your course choices must be the same or in a similar field. 

Think about the school subjects you’re good at, but also think about what you could spend the next three or even four years studying.  

Is there a subject that you want to continue and deepen your knowledge in? Or do you want to study something completely new?  

Do you want to study a subject like law or medicine that relates to a specific job? Or perhaps you want to take a course like history that can be used in a wide range of careers? Think carefully about these questions, and the rest of the process will become a lot easier. 

Do as many events and online taster sessions, and sign up for as many free online courses as you can. Futurelearn has a great range of taster courses from universities all over the world. This can really help you decide where your interests lie.  Above all, keep notes on what interests you, and what doesn’t. 

If you think you want a broader degree, then you’ve always got the option of doing a joint honours degree. This means you combine two different courses. Many joint honours courses combine a language with another subject, giving you the possibility to use your learning around the world, or even do a study placement in another country.  

Consider the competition 

When thinking about what course you could do, it’s important to consider the competition. Some courses have many more applicants than places, but there are also hundreds of ‘hidden’ courses which get far fewer applicants. For example, the University of Oxford gets 16.9 applicants per place on its Economics course, but it’s closer to 3 applicants per Classics place. Classics covers a range of areas like politics, history, linguistics, social sciences and more, and really challenges your intellect.  

Economics might be competitive, but Classics might be just as valuable. There are thousands of ‘hidden’ courses, which, just because they’re not famous, don’t attract as many applicants. Check out the full range of courses on the UCAS Explore site, and the Uni Guide, and do it with an open mind. 

Once you’ve narrowed down your list of courses, it’s time to think about where to study. 

Think about location and compare universities in the UK 

The UK might be a small country, but it’s incredibly diverse. There are large, international cities like London or Glasgow, smaller towns and cities like Cardiff, Belfast or Nottingham, rural universities like Lancaster, coastal towns like St. Andrews or historic cities like York, Oxford or Cambridge.  

So, when you’re deciding on a UK university, you need to first ask yourself: what’s important to you? Would you prefer to live in a busy city or in the quiet countryside? Are you going to be doing a lot of exploring or will you stay near campus? These factors will make a difference to your decision. 

You’ll also need to think carefully about costs. Different parts of the UK have different costs of living, depending on things like rent, transport, and the cost of entertainment. Check out property websites to see what rents are like, to get an idea of how expensive life will be.  

For more information, check out our article on the cost of living in the UK.  

Finally, the type of university itself is important. Some universities have campuses where the whole of university life takes place, like the University of York. Others are more spread out, such as the University of Manchester, which has buildings all over the city. Each has its own atmosphere and you should think about which you prefer. 

Look at the rankings: How to choose a university in the UK 

Find out how your preferred universities rank in the league tables. Rankings of the top universities in the UK don’t just measure teaching quality. They show data on student satisfaction, post-graduation employment rates, and staff to student ratios. 

The best universities in the UK and courses with higher rankings will be more competitive to gain entry to. You can apply for up to five courses on your UCAS form, so it’s a good idea to choose a range of courses and universities. Include an ambitious choice which you may or may not get the grades for, and safe choices that you know will accept you. 

You can check the Guardian university rankings, or the Times Higher Education rankings to see which universities are the most highly rated. 

That being said, student life in the UK is about balance. You need to consider both rankings and what’s right for you. It’s no use going to a top ranking UK university in a location you hate, studying things that don’t interest you, and where the culture on campus doesn’t appeal to you.  

Sometimes it might be better to move down the rankings if you know that the university will really help you to shine.  

Remember, the reason that there are so many different kinds of university is because everyone is unique. If you’re applying to somewhere that you know really matches your values and interests, you’ll be much more likely to make a success of your university career. 

Research the teaching style  

It’s a good idea to look at the style of teaching and assessment at your chosen university. Some courses focus more on final exams, some on coursework, and some on projects, dissertations and independent research.  

See whether your university’s exams are open book or closed book. If they’re closed you have to remember a lot more, but if they’re open you will probably have to give more detailed answers in your exams.  

If you can attend open days and chat to other students and potential professors, do so. But if you can’t, remember that each university course website will tell you about the course content and how it is assessed. You need to make a choice based on what type of assessment will suit you best. 

Some courses are taught in large lectures and seminars, and others, such as many Oxbridge colleges, will teach you in small groups or one-to-one with a tutor. The teaching style that works best for you will be decisive in your choice. 

Consider your hobbies   

Every university has its own culture and social life based around the student unions and societies. University life is about more than studying, for local and international students alike.   

You will have a more balanced student experience if you make time for your hobbies. Look on the university website to learn about student societies and clubs, and see which activities are available to you. But don’t worry if you don’t see anything that appeals - you can always be proactive and start your own society.  

Do you have a sport that you love to do? If you do, and you’re really good at it, you might even be eligible for a scholarship. There are all sorts of funding and awards available, so even if you think you won’t get anything it’s a good idea to check. 

Read about sports scholarships at UK universities.   

Make sure you fulfil the English language requirements 

You’ll need to pass a test of English for your UK student visa requirements. You can take any Secure English Language Test (SELT) that’s been approved by the Home Office, the UK government department responsible for immigration.  

PTE Academic can be used for UK student visas for degree level courses, and to access 99% of universities in the country. The test takes two hours, covers reading, speaking, listening and writing and is entirely done on a computer. Results usually come back within 48 hours, making it convenient and reliable.  

Choosing a UK university requires a lot of thought. Luckily, choosing an English test to get the visa is easy.

Before Brexit, EU students enjoyed the freedom of movement to study, work and live across the European Union. The United Kingdom was a popular study destination for thousands of EU students, who were able to study at UK universities under the same conditions as British students.  

But after Brexit, the rules have changed. Students now need visas, university fees have changed. There are also additional considerations for EU students to think about, like healthcare, and employment while studying. Let’s take a look at what it’s like for EU students to study in the UK after Brexit.  

How to apply for a UK student visa   

The good news is that it is still very possible for EU students to study in the UK. However, there is more paperwork involved than there was previously. In order to take up your place at a UK university, you’ll need to apply for a student visa.  

It will cost you £348 to apply for a student visa if you’re outside the UK. That rises to £475 to apply if you’re in the UK already.  

In order to apply, you’ll need to show that you have been offered a place at a UK university. You can show this with a Confirmation of Acceptance for Studies (CAS) document from your institution.  

You’ll also need to show on your visa application that you speak English at the level you’ll need in order to live and study in the UK. To do so, you’ll need a score of at least 59 in PTE Academic.  

Find out about using PTE Academic for your UK student visa. 

The other consideration when applying for a UK student visa? You’ll need to show that you have sufficient funds to pay your course fees for at least the first year of your studies.  

Many international students also need to show that they have enough money to cover their living expenses while studying, but EU students are exempt from this requirement.  

Learn how to budget for student life in the UK.

You will also need to pay the immigration health surcharge which is £470 per year, for every year of your degree. This charge allows you to use the National Health Service (NHS) during your time in the country.  

The Graduate Route  

If you complete your degree in the UK and you’d like to stay longer, you’ll be eligible for the Graduate route. It allows international students to stay in the UK for an additional two years after being awarded their degrees, to start their careers in the UK. If you are a doctorate-level graduate, you may apply to stay in the country for up to three years.  

You’ll be able to look for employment, change workplace, do internships and gain valuable experience in the UK job market after graduation.  

Student fees for EU nationals  

Previously, EU students paid the same course fees as UK students. Post-Brexit, that is no longer the case. Now, all international students pay the same fees.  

The amount you’ll pay for university in the UK will vary from course to course, and institution to institution. Studying English at the University of Oxford costs £32,480 per year, on average  

But, if you choose to study English at Durham University (also a highly ranked institution) the fees are significantly lower, at £22,900 per year on average.   

That being said, some universities are offering EU Student Scholarships: 

• Royal Holloway University of London is offering a fee reduction scholarship, which could reduce the cost of a year’s fees from £18,100 to £12,790.  

• The University of South Wales is also offering scholarships for EU students which reduce the cost of the fee so that EU students pay the same as British students for their courses.  

In Scotland, there is a scholarship program specifically for EU students at Master’s level. The Saltire Scholarship will support EU students to study at Scottish universities. There are 272 scholarships available which cover a proportion of your student fees.  

The fee for a Master’s in Gender Studies at the University of Glasgow is £20,400, for example. But, if you are awarded a Saltire Scholarship, your bursary of £8000 would reduce that fee to £4,400. You can learn more about the Saltire Scholarship here.  

Many universities throughout the UK are offering similar bursaries, grants and other forms of support for EU students. Once you’ve created a shortlist of UK universities you’d like to study at, make sure to ask what support is available for EU students.  

Working in the UK as an EU student  

You might wish to support yourself by working while you’re studying at a UK university, as many students do. With a student visa, you’ll be able to work up to 20 hours a week during term time, and full time (up to 40 hours a week) during the university holidays. Note that students who study full-time below a degree level can only work 10 hours a week. This information will be clearly stated on your visa once it’s approved. 

Typical student jobs are jobs that fit around classes. This includes jobs in hospitality, courier, or tutoring jobs, among others. You could even work online, doing proofreading or translation.  

There is a website called Student Jobs where you can have a look at the kind of jobs that students in the UK do – and see what’s available in your destination city.  

Learn more 

PTE Academic is accepted by the UK government for visa purposes, as well as by 99% of UK universities as proof of your English language abilities. Find out more about how PTE Academic can help you to study in the UK.

Canada is easily one of the most multicultural countries in the world. The northern nation draws people from far and wide - and, for most Canadians, the international scene is a major source of pride.

There are approximately 7.5 million people from abroad living in Canada today. Walkthrough one of the country’s many amazing cities and you’ll see people from anywhere from Jamaica to China to India. You’ll also experience celebrations, customs, music, food, and art from all over the world. Honoring the backgrounds of its citizens is just part of the Canadian way.

The North American country invites immigrants for a variety of reasons: population growth, economic growth, and cultural diversity being some of the biggest ones. A 2020 Canadian Government report noted that immigration accounted for more than 80% of Canada’s population growth in 2019. That year, Canada recorded 341,000 permanent residents as well.

In fact, workers from other countries represent 26% of the workforce. As for students, in 2019, more than 800,000 international students held valid study permits in Canada.

But with so many great cities from coast to coast, many wonders: “Which are the most multicultural cities in Canada?” Below, a look at five Canadian cities that are home to the largest percentages of people from abroad.

1. Toronto: Canada’s most diverse city 

Among Canada’s most diverse cities, Toronto easily wins first place. It’s nearly impossible to spend a day in Toronto without mixing with people from around the world. A Statistics Canada report examined the geographic distribution of the Canadian immigrant population and found Toronto to be the top destination for new Canadians.  

Toronto’s 2.7 million immigrants actually account for nearly half—46% to be exact—of the city’s entire population. This group represents 35.9% of Canada’s entire immigrant population.  

That’s exactly why The BBC named Toronto the most multicultural city in the world a few years ago. In Toronto, the bustling Chinatown takes up a prominent part of the city’s downtown that it’s pretty hard to miss. Koreatown is a great place for food and fashion. Little Italy always has dozens of restaurants with mouth-watering pizzas and pastas on offer. There are also festivals like Taste of the Danforth (Canada’s largest street festival) that celebrates all things Greek, the Tamil Festival, and the Chinese Lantern Festival.  

Studying in Toronto with a PTE Academic Score 

If Toronto appeals to you, there are a number of excellent universities in Toronto that accept PTE: York University, Ryerson University, Ontario College of Art & Design University, George Brown College, Humber College.  

2. Montreal: An incredible arts scene  

Located in the French-speaking province of Quebec, Montreal is the home to 936,305 immigrants. It’s the second most diverse city in Canada. It has 12.4% of Canada’s immigrant population with folks from abroad representing 23.4% of the city’s total population. The ministry of immigration in Quebec reports that they are mostly European, Asian, or from other parts of the Americas.  

Montreal is a great city for a variety of reasons: its arts scene is incredible, it has amazing cuisine, it’s affordable and it’s located in the culturally-rich province of Quebec.  

And, if any newcomers want to experience this cultural diversity, the city puts on a number of festivals in summer in order to do so. There are entire weeks devoted to celebrating Japanese and Italian culture in June, for example.  

There is also a festival of world music in early summer where bystanders can hear instruments and music styles from all over the world. The Festival International Nuits d’Afrique is also a well-known festival in which more than 100 performers put on shows celebrating culture from Africa, the Caribbean, and Latin America.  

Studying in Montreal with a PTE Academic Score 

If Montreal appeals to you, there are a number of excellent universities in Montreal that accept PTE: McGill University, Concordia University, Montreal College of Information Technology. 

3. Vancouver: Combining city life with nature 

Vancouver’s 989,545 immigrants represent nearly 41% of the city’s population and just over 13% of the Canadian immigrant population. Many of those people come from places like China, India, The UK, the Philippines, and Hong Kong.  

Vancouver is arguably Canada’s most beautiful city. Those who live there get the best of both city life and nature. This is because Vancouver sits on the shores of the Pacific Ocean and in the mountains. It’s entirely possible to go trekking or sea kayaking during the day and settle in for cocktails and a fancy dinner in the evening. And thanks to the international community, you can expect to sit down to Chinese, Indian, or fusion foods at one of Vancouver’s many ethnically diverse restaurants.  

Studying in Vancouver with a PTE Academic Score 

If Vancouver appeals to you, there are a number of excellent universities in Vancouver that accept PTE: Simon Fraser University, University of British Columbia.  

4. Calgary: Close to tourist hotspots 

Calgary (nicknamed “Cowtown”) is one of Alberta’s most thriving areas. Statistics Canada has reported that about 5.4% of Canada’s immigrant population live in Calgary. That translates to nearly 405,000 and over 29% of the city’s total population. 

While the Calgary Stampede festival is Calgary’s claim to fame, many other events highlight the international cultures present in the neighborhoods of Cowtown. Examples include GlobalFest, Omatsuri (a Japanese event), Fiestaval (which celebrates Latin American identity), Serbian Fest, and the Calgary International Film Festival which screens works from more than 40 countries worldwide.

Another huge draw for those from abroad: Calgary provides the comforts of city life but is just a short road trip from main Canadian tourist destinations like Banff, Lake Louise and Kootenay National Park.  

Studying in Calgary with a PTE Academic Score 

If Calgary appeals to you, there are a number of excellent universities in Calgary that accept PTE: University of Calgary, Bow Valley College, Mount Royal University. 

5. Edmonton: A city of parks  

Edmonton has become a hub for immigrants seeking a new home in Canada. About 4% of Canada’s immigrant population lives in the northern city representing nearly a quarter of the Edmonton population overall. Move here and you can expect dry weather and long days with late sunsets in the summer. The winter, by contrast, is very snowy and cold.  

Edmonton locals also brag that more than 150 languages are spoken there. French, Punjabi, Cantonese, Mandarin, Arabic, and Spanish are the most prevalent.  

Edmonton is also a fairly green city with more than 460 parks. For day trips, newcomers can experience iconic locations nearby like Jasper National Park and UNESCO site Dinosaur Provincial Park—a spot famous for its dinosaur fossils.  

Studying in Edmonton with a PTE Academic Score 

If Edmonton appeals to you, there are a number of excellent universities in Edmonton that accept PTE: University of Alberta, The King’s University, Northern Alberta Institute of Technology, Macewan University.  

PTE can make your Canadian dream a reality 

If you’re thinking about studying in any of these top five most multicultural Canadian cities, consider using PTE as your stepping stone. The English proficiency test is recognized by some of Canada’s most prestigious colleges and universities. It also has testing centers in or near each of the cities listed above. Currently, international students can complete a test in Toronto, Montreal, Calgary, Edmonton, Burnaby (right next door to Vancouver), and Ottawa.  

Discover where PTE can take you in Canada.