UK student loans for international students

PTE Author
PTE Author
UK city
Reading time: 5 minutes

The United Kingdom is a cornucopia of leading education facilities and employment opportunities – but such world-class education comes at a cost. With university courses quite easily exceeding £20,000 (US$24,830), studying in the UK is known to be costly (and that’s not even taking into account rent and other costs of living!).

It’s understandable then that many students in the UK require some financial help to see them to the end of their education. Working while studying can be an option – but what about UK education loans for international students? 

Can international students get loans in the UK? 

The answer to this question is quite simple, and it lies in your citizenship. It is also set to change once the UK leaves the EU.  

EU citizens/Student loans UK

If you’re a student from a European Union country – such as Italy, Germany, France, Spain or Sweden – your education costs will be capped as though you were a UK student. This means that you won’t pay more than £9,250 a year for your university degree. 

You will also be eligible for a government student loan. This will cover your tuition fees, as well as your living costs if you’re studying an undergraduate course. This UK education loan for international students is not paid directly to you; instead, it will be paid to your university, and you will be required to pay it off in increments once you graduate. 

A wide number of degree types will allow you to access student financial assistance. These include (according to gov.uk): 

  • A first degree, for example BA, BSc or BEd

  • A Foundation Degree

  • A Certificate of Higher Education

  • A Diploma of Higher Education (DipHE)

  • A Higher National Certificate (HNC)

  • A Higher National Diploma (HND)

  • An Initial Teacher Training course

  • An integrated master’s degree

  • A pre-registration postgraduate healthcare course.

Interestingly, if you are an EU student and plan to study in Scotland, you might not pay any tuition fees. The costs are covered by the Student Awards Agency for Scotland (SAAS) for first degrees and PGDE courses. 

International student loans UK 

We wish that there was good news on this front – but unfortunately, UK education loans for international students (excluding students from the EU) are not available. Additionally, the cost of your tuition fees can potentially be far more than home students, with laboratory-based degrees set to cost up to £30,000. 

If you plan to study in the UK as an international student, it’s also worth remembering that you’ll need to prove that you have £1,015 in your international student bank for each month of study up to nine months in order to be eligible for your visa. This number increases to £1,265 if you’re studying within London. This means that you’ll need to have saved between £9,135 and £11,385 in your bank account (depending on your university’s location) before you can obtain your student visa. 

So, what can international students do to support themselves while studying in the UK? 

Working while studying in the UK 

While it can be difficult to balance work and study – especially if you’re studying in a country that is not your home – it is one of the best ways to ensure a steady income if you cannot apply for an international student loan. Your visa may restrict you to a set number of hours, but that doesn’t mean you can’t work to get a little extra cash into your bank account. 

An international student visa (Student route visa, formerly known as Tier 4), will allow you to work up to 20 hours per week during the term. A number of casual jobs will grant short shifts that do not exceed this limit, including: 

  • Retail worker

  • Receptionist

  • Waiter/barista/bartender

  • Shelf packer

  • Mystery shopper.

When UK vacation periods come into effect, however, you are able to work full-time hours. This means you could potentially undertake higher-paying jobs such as: 

  • Private tutor

  • Sales representative

  • Event assistant

  • Call center operator

  • Amusement park staff member.

Students should check out IndeedReed, or Monster to apply for part-time work.

Apply for an international student loan 

Depending on your country of origin, you can still apply for a loan to study abroad. The USA and Australia have such loans in place, but these may be restricted to particular countries, courses and universities. This is likely the closest equivalent to an international student loan in the UK. 

Consider an exchange program 

Although these may not be as extensive as full-time study in the UK, it can be a chance to test out the experience for up to a year. You will have to check that your university in your home country has an exchange program set up with a university in the UK, but it could be an excellent experience if you can partake in it. 

Apply for a scholarship 

This is likely your best chance for getting a foot in the door if you’re an international student looking for a loan to study in the UK. There are many scholarships open to international students, with varying levels of criteria to meet. They also tend to differ depending on the country in which you live. Some examples of these include: 

If you have your heart set on studying in the UK, it’s best to explore every avenue available to you to ensure you end up studying in the country and university you love.

Learn more about PTE Academic if you need to undertake an English language proficiency test before you depart.

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    Read our guide about how to study in Canada. We’ll break down more about the best universities in Canada and their top programs. Most importantly, we’ll also explore ways to find a Canadian scholarship to fund your studies.  

    Canadian scholarships: What to look for 

    Of course, it’s important to have a plan to finance studies and the cost of living in Canada. That’s where Canadian scholarships come in. Whether you’re looking to fund your undergraduate program or you’re seeking a master's degree scholarship in Canada (or beyond), there are plenty of options.  

    The Canadian government, foundations, and not-for-profit organizations all offer a number of scholarships and grants. The most common place to score scholarships in Canada though is likely from the university itself.  

    Firstly, when looking for Canadian scholarships, international students need to know about the entrance scholarships. Most universities offer these scholarships, which are based on academic history. You’ll be pleased to read that entrance scholarships operate on an automatic consideration basis as part of the admissions process. This means you don’t have to apply for them.

    To understand what those scholarships look like, consider what’s offered by top universities in Canada: 

    The University of Waterloo

    The University of Waterloo in Ontario offers 20 entrance scholarships. These are worth $10,000 and are for international students who have at least a 90% average. In addition, you must demonstrate academic excellence and be starting year one of an undergraduate program.  

    McGill University 

    McGill University in Montreal, Quebec is another of Canada’s best universities. It gives entrance scholarships worth $3,000 to first-time university students starting their undergraduate program. The major entrance scholarship is worth more with some students being awarded as much as $12,000. These scholarships are renewable for three or four years for students who continue to meet scholarship criteria. International students can get this scholarship but short-term exchange students cannot.

    McGill’s in-course awards are awarded automatically by each faculty. Students with excellent academic merit may earn one of these after the academic year is completed.

    University of British Columbia 

    The University of British Columbia is another reputable school. It gives $30 million annually in grants to international undergraduate students. Study there and you could be up for its International Major Entrance Scholarship, which is renewable for three years.  

    Or you might even win its Outstanding International Student Award. This is a one-time award for a student with a strong academic background and involvement in activities beyond the classroom.  

    Government grants 

    The Canada-ASEAN Scholarships and Educational Exchanges for Development program gives support to students from Southeast Asian nations. To be eligible you need to be studying short-term at the college, undergraduate, and graduate levels.  

    They are awarded based on applications submitted by Canadian universities on a candidate’s behalf. These scholarships are part of Canada’s effort to reduce poverty and support sustainable development in the region.  

    The Canadian Commonwealth Scholarship Program is for academically talented students from Commonwealth countries studying at the masters or PhD level. The scholarship is worth $10,000. This helps students pay for transportation, cost of living fees, and any expenses related to their studies in Canada.  

    For students studying in Ontario, the Ontario Graduate Scholarship Program is for those at the masters or doctoral level. To qualify, you must be attending a participating Ontario university, be enrolled for at least two consecutive terms and be studying full-time. Students can get $10,000 for two consecutive terms or $15,000 if they are enrolled in three consecutive terms. This scholarship is funded by the province of Ontario and the participating universities.

    A glimpse at the top universities in Canada 

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    Top-ranking specialist schools in Canada 

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    After the in-depth surveying of 1,000 professors, deans, and chairs at 80 Canadian institutions, Maclean’s found The University of British Columbia to be the best school for business. The University of Toronto followed in second place. As for engineering, University of Waterloo and The University of Toronto tied for first place.

    How PTE can help you apply for a Visa 

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    • a university placement; 

    • the financial ability to live in Canada;

    • your high school transcript and a high level of English.  

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    A home away from home 

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    Australian student visa application guide
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    Reading time: 4 minutes

    Australia is known for its beautiful landscapes, quality of life, and excellent standard of education. If you’re interested in studying in Australia, you’ll first need to understand the Australian student visa application process.  This will set the stage for the exciting new chapter in your education. 

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    Australian student visa requirements 

    In order to apply for an Australian student visa – called the Subclass 500 Student visa – you must be enrolled in a course of study at an Australian institution. You’ll need to complete an application form, gather important documents, and prove to the Australian Government that you meet a list of requirements, including:  

    • The Genuine Temporary Entrant (GTE) requirement

    • Financial requirements

    • English proficiency requirements

    • Health and characteristic requirements

    You can also use the Document Checklist Tool to which documents need to be attached to the application. 

    The Genuine Temporary Entrant (GTE) requirement

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    • Previous studies (with academic transcripts)

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    • Economic situation  

    • Immigration history

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    Financial requirements

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    Learn more about financial requirements.  

    English language requirements

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    To be eligible for a student visa in Australia, you must achieve:

    • At least 50 for each of the 4 components for PTE Academic 

    • At least 36 for each of the 4 test components of PTE Academic if you undertake an English Language Intensive Course for Overseas Students (ELICOS) course before your main course 

    View a full breakdown of Australian study visa PTE requirements

    Health & characteristic requirements 

    Most visa applicants need to do a medical exam to prove that they are healthy. In addition to the medical exam, the majority of applicants must buy Overseas Student Health Cover (OSHC) from an approved Australian provider. 

    To get an Australian student visa, you also need to be of good character. You shouldn’t have a substantial criminal record or be a member of a criminal group, for example. To prove this, you might have to supply a police certificate.  

    Fees  

    A Subclass 500 Student visa starts at $1,600 AUD ($1,020 USD) unless you are exempt. There are also added charges for each family member who applies for the visa.  For more information on visa costs, check out the Australian government’s visa pricing estimator.  

    Processing times 

    For an indication of processing times for this visa, use the visa processing time guide tool. This will show the processing times for recently decided applications. It is a guide only and not specific to your application. 

    To find out if you’re eligible for an Australian student visa, be sure to review all the requirements on the government website. You can see all the documents you’ll need for your application using the government’s documents checklist tool. 

    Learn more about working in Australia on a post-study work visa.

    Last updated 20 December 2024.

  • Image- Tower Bridge, 800px
    A guide to new visa changes in the UK – and why they’re good news for students
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    The UK is an excellent place to study. It is home to a long list of renowned universities, many of which are often ranked among the top universities in the world. Recently the UK government has shown it is committed to attracting more foreign students – and making it simpler for innovative professionals from abroad to call the UK home.  

    In July 2020, the UK published a Research and Development (R&D) Roadmap, which listed a number of exciting new policies and changes to support international students. 

    In this article we’ll learn more about:  

    • The UK’s new “Office for Talent” was created to make the immigration process smoother for skilled students 

    • New visa extensions for international students after graduation 

    • What this means post-Brexit

    What is the Office for Talent? 

    The UK’s new Office for Talent has been set up to make it easier for international scientists, researchers, and innovators to work and live in the UK. The team works from Prime Minister Boris Johnson’s office at 10 Downing Street. In the UK, the headquarters is often simply referred to as “Number 10.”  

    According to the government announcement, the Office for Talent began work right away on reviewing the UK’s current immigration rules and will focus on ensuring the immigration system is simple and quick for both students and professionals alike. “They will also help those coming to the UK better understand the opportunities on offer and break down any barriers they might face,” read the statement. 

    How long can foreign students now stay in the UK after graduation?  

    The UK has also announced some exciting new visa changes. PhD students who graduate in Summer 2021 will now be able to stay in the UK for an additional three years. International students who graduate with undergraduate or Master’s degrees can stay in the UK for two years. This news was announced back in 2019.  

    Before, foreign students could only stay in the country for four months after graduation. This made it difficult for students to find jobs or begin their working lives in the UK. 

    Now, these new changes give foreign students the freedom to nurture the connections they made while studying, build new relationships, establish themselves, and develop meaningful careers in the UK. 

    What else did the UK announce?  

    The UK has introduced a new points-based immigration system, made to streamline the visa process.  According to the roadmap, people interested in studying in the UK will now have more time to make a visa application. 

    The UK also plans to get rid of study time limits for postgraduates. Previously, most students had to complete their studies in five years. Finally, students will no longer need to leave the UK to switch visas – which will help to reduce lots of stress and worry for foreign learners. 

    The UK announced it would also invest £300 million in science infrastructure at research institutes and universities. This could prove to be a plus for international scientists and researchers considering whether to study or live in the UK.

    What does this mean post-Brexit?  

    Brexit caused a lot of uncertainty for students in the UK from the European Union (EU). If you’re an EU citizen moving to the UK in 2021, you’ll now have to apply for a visa to study for longer than 6 months. If you were studying in the UK before this year, you can apply for the EU Settlement Scheme – which will let you continue living in the UK permanently.  

    Learn more about the EU settlement scheme

    The UK states the Research and Development Roadmap will “help to power up the economy and level out the UK.” Overall, the changes are set to help support foreign students in the UK – and particularly those in science, research, and innovation fields. 

    To conclude, here’s a concise look at how student visas have evolved:  

    What were visa rules like before? 

    • In the past, international students could only stay in the UK for four months after graduation

    • Most students had to complete their degrees in five years

    • Students had to leave the UK to apply for a new visa

    • EU citizens did not have to apply for a visa to study in the UK

    What will students be able to do now? 

    • PhD students who graduate this summer can stay in the UK for three more years. Undergraduate and Master’s students can stay for two more years (announced in 2019)

    • The UK will get rid of study limits for postgraduate students

    • Students will not need to leave the UK to switch visas

    • EU citizens must apply for a visa to study for longer than 6 months.

      EU citizens studying in the UK before 2021 can apply for the EU Settlement Scheme instead

    For more information about how to apply for a UK student visa, don’t forget to check out our complete guide.  

    Are you interested in working, studying, or living in the UK? 

    PTE Academic UKVI is approved by the UK Home Office for visa purposes. Book your test 24 hours in advance, get your results typically within 2 days –  and bring your dream a step closer to reality.  

    Learn more about PTE Academic UKVI and book your test today!