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 Indeed, Reed, 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.

Related Content

  • Woman sitting in a classroom at a desk, holding a pen and looking up.
    Introducing Smart Prep: the new way to prep like a pro for PTE
    By PTE Author

    Are you gearing up to take an English language test, and feeling a bit overwhelmed? You’re not alone – many test takers share the same initial anxieties. But don’t worry, we are here to help!

    We’ve now launched Smart Prep, so that you can be test ready with one less worry. Smart Prep is a one-stop preparation portal to get you test ready for PTE Academic, PTE Core and PTE Home tests.

    It’s based on feedback from real test takers — we recently conducted a survey of 243 students preparing for PTE and learned:

    • 82% wanted to prepare skill-by-skill. For example, they might want to focus on speaking first, then writing, reading, and listening

    • Many expressed a need for free preparation resources, especially at the beginning of their journey

    • 82% preferred having all preparation materials in one place, organized logically in a step-by-step manner

    Why Smart Prep?

    • Smart Prep combines all our practice materials in one place, so it's easier for you to stay on track

    • It’s a clear path to test day, guiding you through the official paid and free resources available for your test

    • It can be accessed whether you’ve booked a test or not – just create, or sign in to your myPTE account

    • Preparation materials include guided practice tests, introductory videos, video courses and test tips. Note: the available resources depend on your chosen PTE test, please check Smart Prep in myPTE or visit the test preparation page for more details.

    Ready to get started?

    Create or sign in to your myPTE account

  • [Asset] Why more nurses choose Canada
    Why international nurses are choosing Canada: a growing trend
    By PTE Author

    Known for beautiful snowy landscapes and hot maple syrup on pancakes, Canada has become a popular destination for international nurses seeking new opportunities and a better quality of life.

    Discover eight key reasons why international nurses are drawn to Canada:

    1. Growing demand for nurses

    An ongoing nursing shortage means well-trained international nurses are in high demand with many job openings to pick from. That demand is increasing, with the number of job vacancies for registered nurses and registered psychiatric nurses increasing by almost 10% in the third quarter of 2023.

    To help address the shortage, Immigration Refugees and Citizenship Canada (IRCC) has allocated $115 million CAD over the next five years, and $57 million CAD ongoing for expanding Canada's Foreign Credential Recognition Program, helping international nurses get their qualifications recognized by the Canadian government.

    2. High quality of life

    Canada consistently ranks high in global quality of life indices. In 2023, Canada ranked 13th in the World Happiness Report, offering international nurses a stable, safe, and prosperous environment to live and work.

    3. Competitive salaries

    Canadian nurses enjoy competitive salaries. According to Canadian recruitment site ca.talent.com, the average annual salary for a registered nurse in Canada is approximately CAD 73,000 in 2024, varying by province and experience level.

    4. Universal healthcare system

    Canada's universal healthcare system is attractive to many international nurses. It offers the opportunity to work in a well-structured, publicly funded system that prioritizes patient care over profit.

    5. Professional development opportunities

    Canada offers numerous opportunities for career advancement and specialization. Many provinces have programs to support continuing education and professional development for nurses, and the Registered Practical Nurses Association of Ontario offers up to $1,500 CAD per year in education grants

    6. Multicultural society

    Canada's diverse and inclusive society makes it easier for international nurses to integrate. According to the 2021 census, over 23% of Canada's population are immigrants, creating a welcoming environment for newcomers, and the country consistently ranks as one of the top ten friendliest places to live.

    7. Pathway to permanent residency

    Many international nurses view working in Canada as a stepping stone to permanent residency. Programs like Express Entry often favor skilled healthcare workers, making it easier for nurses to transition from temporary to permanent status.

    8. Work-life balance

    Canadian workplaces generally prioritize work-life balance. Nurses in Canada typically work 37.5-hour weeks, with overtime pay for additional hours, allowing for a better quality of life outside of work.

    What next?

    If you’re eyeing up a move north, you’ll need to submit your nursing credentials, take the NCLEX-RN to qualify for a Canadian nursing license if needed, and show you’ve got the necessary language skills.

    Get your move off to a stress-free start with the Pearson Test of English (PTE).

    With no additional speaking exam, PTE covers all four skills in one test using computer-based assessments to remove bias. It’s the faster, fairer, simpler way to evidence your English skills and start your next chapter.

  • [Asset] Girl smiling into distance
    How to be conversation ready for your US student visa interview
    By PTE Author
    Reading time: 6 mins

    Getting a student visa for the US can be a long and stressful process, and one of the final hurdles is the visa interview.

    Conducted in English, it’s one of the parts of the US visa application process that causes international students the most stress.

    We’ll briefly recap the US student visa types and application process before sharing top tips on how to prepare and build your speaking confidence for a stress-free interview experience.

    Understanding the different types US student visas 

    To enter the US to study, you’ll need an F-1 or M-1 visa.

    F-1 visas are intended for international students looking to study at colleges or universities. This visa category also covers other academic institutions, such as language schools.

    M-1 visas are for vocational studies, such as culinary school, trade school programs, and healthcare technician courses.

    If you’re not sure what type of visa you need and want to understand more about the different criteria, there’s an official US Visas website with a useful Visa Wizard tool to point you in the right direction.

    How to apply for a US student visa

    To study in the US, you’ll need to apply for and be accepted on a course at a Student Exchange and Visitor Program (SEVP) approved school before starting the visa process.

    Once accepted, you’ll receive Form I-20 and need to pay the SEVIS (Student and Exchange Visitor Information System) fee.

    There’s another round of forms and fees (DS-160 and the visa application fee), before it’s time to schedule that all-important visa interview at the US embassy or consulate in your home country.

    On interview day, you’ll need to bring documents, such as your passport, academic transcripts, and travel history, as well as details of your intended travel to the US.

    You’ll have an interview with a consulate officer and your visa will either be approved or may require further “administrative processing”.

    The visa application process does vary depending on the local embassy or consulate, so check your local branch’s process on their website.

    What is the US visa interview about?

    Most applicants aged 13-80 must attend an in-person visa interview at a US consulate or embassy.

    The interviewer is looking to understand your qualifications, study plans, and ability to support yourself during your time in the US.

    They also want to make sure that anyone applying for a student visa intends to return to their home country after completing their studies.

    You can find more information on what questions to expect at a US student visa interview on the International Student website.

    Building your speaking confidence

    A high-stakes English interview can be daunting, often making it tough to speak as confidently as you normally would when you’re in the classroom or chatting with friends. Here are four ways to build your speaking confidence ahead of a US visa interview.

    1. Prepare answers to likely questions

    Knowing the purpose of the interview makes it easier to anticipate the types of questions you’ll be asked. Make a list of anticipated topic areas and spend some time crafting concise answers. Once you’ve written your responses, it’s time to speak up! Practice saying the answers aloud every couple of days so that they feel familiar on the day. You don’t have to memorize the responses, but by planning out roughly what you’d like to say, you’re removing that extra pressure of thinking on the spot.

    2. Immerse yourself in English

    Confident speaking starts with great listening. The run-up to your visa interview is the perfect time to revisit that US sitcom you love or to start listening to an audiobook in English on your daily walk. You could even try repeating back new phrases or idioms that you hear to build your vocabulary and practice your pronunciation. If you’re listening to English shows, podcasts, and even following English social media accounts on a regular basis, then being faced with questions in English will feel less new and different on the day.

    3. Find a language exchange partner

    One of the most effective ways to brush up on your speaking skills is to find a language exchange partner. This could be a language swap, where you find someone who speaks English as their first language and who is learning your language, or conversation clubs where everyone is working on learning English. If you can’t find a local tandem partner, take a look at online communities, such as MeetUp, InterNations, or even Facebook, to find someone you can practice with online.

    4. Use speech recognition technology 

    If you can’t find a language tandem partner or are short on time, several language learning apps now include speech recognition — a technology first introduced by Mondly by Pearson.

    This technology allows you to practice pronunciation and conversation without the pressure of another human waiting on or judging your responses.

    In Mondly, for example, the app offers over 500 minutes of conversation practice with Augmented Reality (AR) and Virtual Reality (VR) options to allow you to practice conversations in realistic scenarios.

    With less pressure and instant feedback, virtual conversations using speech recognition can be a great way to build your confidence ahead of real-life challenges like visa interviews.

    It’s natural to feel the pressure with interviews — especially when your dreams of studying in the US hang in the balance.

    Remember, interviewers aren’t looking for flawless language skills, just that your English is at a high enough level to fully participate in your course and enjoy life in the US.

    By thinking through the likely topics and actively finding more opportunities to practice speaking English, you’ll be able to head into your visa interview with confidence.