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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    The show is often touted as one of the best podcasts to learn English (it’s been downloaded more than 60 million times) and overall, is a good way to practice your British English skills. The episodes are on the longer side, and some are up to two hours long. 

    While the podcasts are free, Thompson also produces paid content for listeners to subscribe to – giving them access to things like extra podcast episodes, worksheets, tests, and pronunciation drills.  

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    Criminal releases two new episodes every month, and each episode explores the story of a different crime. The host, Phoebe Judge, tells how the crime occurred and interviews the people involved – usually a witness, victim, police officer, historian, or the person charged.  

    Since Criminal brings on lots of interview subjects – with different accents and ways of speaking – the podcast is not only thought-provoking. It’s also great for practicing your listening skills, particularly if you’re an upper-intermediate or advanced English learner.  

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    During Part 3: Listening in PTE Academic, you will need to know pronunciation in order to understand what the speakers are saying.

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    Student guide: What is the cost of living in Canada?
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    Many students dream of studying in Canada. The country has world-renowned teaching facilities and universities, an open immigration system, metropolitan cities, and scenic landscapes. Altogether, it’s a great choice for international students.  

    Studying in Canada is not as expensive as studying in other countries, like the U.S. or U.K. However it is still a big investment. International students pay between $1,800-20,000 CAD per year to attend a Canadian university or college.  

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    Accommodation costs by city  

    When you’re studying in Canada, you can choose between living on-campus or off-campus. Living on-campus is a great opportunity to socialize with other students and make friends. Most institutions also give students on-campus the option to buy a meal plan. But, keep in mind that many universities and colleges prioritize first-year students for on-campus housing.  

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    Toronto  

    At the University of Toronto, on-campus housing for eight months ranges from about $6500- $20,500 CAD, depending on the room and meal-plan. A one-bedroom apartment in Toronto costs about $2,100 CAD/month on average.  

    Vancouver 

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    If you don’t have a meal plan and live off-campus, you must include grocery shopping in your budget. Of course, food prices are different across the country and depend on where you decide to shop.  

    Let’s take a quick look at how much essential items may cost in Canada’s largest city, Toronto:  

    • Milk (about $3 CAD)

    • Rice, 1kg (about $3.50 CAD)

    • Apples, 1kg (about $4 CAD)

    • Red meat, 1kg (about $16 CAD)

    • 12 eggs (about $3.50 CAD)

    According to the City of Toronto’s Nutritious Food Basket Calculator, a male aged 19-30 must spend a minimum of $65.50/week to buy healthy food. A female the same age living in Toronto must spend about $51 CAD/week to buy healthy food.  

    Transportation costs in Canada 

    How much is the average cost of transportation in Canada? Many international students rely on public transportation to get around. And oftentimes, transport costs are included in tuition fees – giving you unlimited access to the city’s whole transportation system.  

    But in some cities – like Toronto and Montreal – you can buy your own pass at a reduced fare. In Montreal, a student pass costs $53 CAD/month. In Toronto, which is a much more expensive city, a pass costs $128 CAD/month.  

    Outside of larger cities, it can also be useful to have a car, especially if you are used to driving at home. But, keep in mind this can cost a lot extra. To get an idea of how much it costs to drive a car in Canada, check out this driving costs calculator by the Canadian Automobile Association (CAA).  

    Entertainment costs 

    Canada offers many cultural and outdoor activities for you to enjoy. You can find world-class music festivals, skiing and snowboarding, and giant sporting events like basketball, hockey, and baseball games.  

    Of course, you will also still get to enjoy many things you did at home. Here are a few things you might like to do in Canada, along with how much each costs:  

    • Visit a renowned museum (many offer free evenings, and entrance for young people or students) 

    • Meet a friend for coffee ($1.76 CAD at coffee chain Tim Hortons) 

    • Rent skates and go ice-skating outdoors (about $10 CAD)

    • Watch a movie in theaters (about $15 CAD)

    • Eat dinner at a casual restaurant (about $15-25 CAD)

    Insurance costs 

    Canada has a publicly-funded health system. However, each province and territory administers its own healthcare. Whether or not you can receive publicly-funded medical coverage will depend on where you are in Canada.  

    If you don’t qualify for public healthcare, your institution might require you to enroll in a specific insurance plan or find your own private coverage. You should check with your institutions about exactly what coverage you need to study safety in Canada.  

    Hidden costs 

    Lots of hidden costs arise when studying abroad, and there are a few things students in Canada should keep in mind.  

    For one, it is expensive to own a cellphone in Canada. In fact, cell phone bills in Canada are among the highest in the world. Canadians pay $101 CAD/month, on average, for a cellphone plan.  

    You will also need to buy warm winter clothing – including a jacket, boots, socks, gloves, hat, and scarf. You can expect to pay about $300-$400 CAD for these items brand new. However, thrift stores might also carry winter clothing for much cheaper.  

    Finally, you shouldn’t forget about Canadian sales taxes. Taxes in Canada are higher than many places in the world and range from about 12%-15%.