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.

Related Content

  • 5 common PTE mistakes - and how your students can avoid them
    Reading time: 7 minutes

    Learning from our mistakes is one of the best ways to improve. This is also true for anyone who is preparing for an English language proficiency exam, like PTE Academic.  

     In this post, we’ll look at five common PTE Academic errors test takers make, and how you can help your students to avoid these mistakes when they are sitting their exam.  

    1. Reading: reordering paragraphs

    In the PTE Academic reading section, test takers are asked to reorder paragraphs taken from an academic text. They see one panel on the screen with a number of sentences in the wrong order, and need to drag these sentences to a second panel in the correct order. This activity tests how well test-takers can understand the structure of a written text in English.  

    However, many people struggle with this. They don’t pay attention to language clues such as linking words or sentences that open with an introductory statement. These are all things that allow texts to follow a cohesive pattern.  

  • Card- Barista- part time job
    5 part time jobs for international students in Australia
    By PTE Author
    Reading time: 5 minutes

    Studying in Australia is a dream for many students. The country is known for its long stretches of white sandy beaches, rugged outback, and charming people. 

    It’s also home to more than 1,100 world-class institutions - earning Australia a reputation for being a top study abroad destination. And don’t just take our word for it: 90% of international students reported being happy studying and living in Australia, according to a 2018 government report.  

    For many international students, working in-between studies to pay for living expenses is also part of life in Australia. So what kinds of jobs are popular for students in the country? And what is the pay like? Let’s take a look:

    1. Barista 

    Coffee culture is huge in Australia. Because the country is famous for its “flat white” drinks and quality coffees, there are many different cafes for international students to apply at. After all, where there is a demand, there will always be jobs! 

    Of course, working as a barista requires that you have strong customer service skills, are proficient in English, and are familiar with popular coffee orders and how to make them (although your workplace will likely also train you). Because cafe culture is so important to Australians, a job serving coffee is arguably one of the best ways to feel immersed in the local culture.  

    2. Bartender  

    For students, being a bartender has many perks. The hours you work rarely conflict with regular university class schedules. Being a bartender is a great way to meet new people. You could also earn tips. Tipping isn’t part of Australian culture per se, however it is becoming more common to tip service staff a small amount to thank them for good service.  

    If you’re interested in serving drinks, you could also consider getting a job at an Australian winery. Because Australia has so many wineries (about 2,361 in total), wine culture is not only a prevalent part of life in Australia. It’s also always usually a thriving industry with lots of job opportunities. 

    3. Server 

    Keen on the hospitality industry? Serving is another great job. And, even better if you get to work at a beachside restaurant. The University of AdelaideThe University of the Sunshine Coast, and The University of Melbourne are all institutions located by the coast, where international students have the opportunity to earn a living part-time while also experiencing Australia’s beautiful beaches.  

    4. Hotel and hostel jobs 

    A bonus of studying in a place that happens to be an internationally-famous vacation spot is that there are many jobs in hospitality. Students studying at institutions like The University of Tasmania, for example, can benefit from the local tourism industry by applying for jobs cleaning in hotels or cooking in hotel kitchens.  

    Australia’s hostels are also great spots to look for a job. Foreign students would be a great fit for hostel jobs like receptionists because of their international experience, age, and language skills. The bonus here is that you will find yourself working amongst like-minded and fun travelers.  

    5. Fruit picking 

    Australia has plenty of fruit picking jobs throughout the country. Strawberry, blueberry, and avocado picking jobs, for example, are all common jobs available to students in Australia. They’re also quite common to come across. Recently, the government also announced they’d allow students working in agriculture to work more hours every week - which is a big plus! We share more on that below.  

    How many hours can I work? 

    When studying in Australia, one of the main regulations for international student visa holders is that  they can work up to 48 hours every two weeks while studying and unlimited hours during study breaks on an Australian student visa. 

    The government changed those restrictions for students working in certain industries to support these sectors during the pandemic. Now, students can work unlimited hours in healthcare, disability care, aged care, agriculture, and tourism. 

    What’s the minimum wage in Australia? 

    Australia is known for its high minimum wage. The minimum wage in Australia is $24.10 per hour or $915.90 per week - this is a huge draw for many international students.   

    Where should I look for work?

    Your institution in Australia should have a career center to help you look for work. They should provide you with resume and interview tips, as well as a job board that lists open positions. We always recommend visiting your institution’s career centre when beginning your job search.  

    There are also job sites like IndeedSeek, and Jobactive from the Australian Government’s Department of Education, Skills, and Employment. All of these sites list thousands of part-time jobs for international students to consider.  

    Last updated 20 December 2024.

    Ready to go? 

    PTE can help you secure a spot at an Australian institution. Our test is faster, fairer, simpler, and accepted by all universities in Australia.   

    Learn more about PTE Academic.

  • Image- study group 800px
    Part 1: English Speaking & Writing Test Introduction
    By PTE Author
    Reading time: 5 minutes

    Part 1 of PTE Academic will take 77-93 minutes and will test your speaking and writing skills.

    To test speaking skills, you will be assessed on your ability to produce spoken English in an academic environment.

    Your writing skills will be assessed by giving written responses in academic English using correct grammar, spelling, and structure.

    Personal Introduction

    First, you will be asked to give a personal introduction to give some information about yourself.

    You will have 25 seconds to read the prompt and prepare your response. You will only have 30 seconds to record a response and can only record this once.

    Don’t worry, your personal introduction is not scored but will be sent together with your score report to the institutions selected by you.

    For the speaking and writing test, there are seven types of questions that you will be scored on. Below, we will break down each part of this section of the test.

    Read Aloud

    The first question type to test your reading and speaking skills will be the Read Aloud assessment. In this test there are 6-7 questions.

    You will be shown a text prompt that will be up to 60 words. You will have 30-40 seconds to prepare by reading the passage. You will also have a set time to read aloud, which will vary by item, depending on the length of the text.

    To complete the question, speak clearly and straight away after you hear a tone. You must finish speaking before the progress bar on the screen reaches the end.

    You can receive a maximum of 3 points for the content spoken, a maximum of 5 points for oral fluency, and a maximum of 5 points for pronunciation.

    Repeat Sentence

    The second question type is Repeat Sentence, which will test listening and speaking skills.

    You will listen to a recording between 3-9 seconds and are given 15 seconds to answer.

    Once the microphone shows as recording, you will need to speak straight away and say all the words that the speaker uses, in the same order.

    For this question, you can receive a maximum score of 3 for content, a maximum 5 for oral fluency, and a maximum of 5 points for pronunciation.

    Describe Image

    The third question type will test speaking skills by describing an image. There are 6-7 questions.

    You will be shown an image and have 25 seconds to study the image and prepare your response. For this task, use the Erasable Noteboard Booklet to take short notes.

    After a short tone is heard, start speaking straight away. You will have 40 seconds to answer and must finish speaking before the progress bar reaches the end.

    In this question type, you can receive a maximum of 5 points for content, a maximum of 5 points for oral fluency, and a maximum of 5 points for pronunciation.

    Re-tell Lecture

    The fourth question type, Re-tell Lecture, will test your listening and speaking skills. There are 3-4 questions in this test.

    You will be given a prompt of up to 90 seconds and will have 40 seconds to answer.

    Audio will be played straight away and you may also see an image related to the audio. While you are listening use the Erasable Noteboard Booklet to take short notes.

    Once the audio finishes you have 10 seconds to prepare. To complete the task, in detail, you will need to cover the situation, characters, aspects, actions, and developments given in the recording.

    You can receive a maximum score of 5 points on content, a maximum of 5 points on your oral fluency, and a maximum of 5 points for pronunciation.

    Answer Short Question

    The fifth question type, Answer Short Question, will assess listening and speaking skills. There are 10-12 questions in this test.

    Here, you will be given a prompt of 3-9 seconds and will have 10 seconds to answer the question.

    You will be required to answer a short question with a clear, simple, single word or a few words. This will not test general knowledge, it will simply test your vocabulary.

    You will receive 1 point per correct word. No points are given for no response or incorrect response.

    Summarize Written Text

    In the first question type in the writing section, you will be required to Summarize Written Text, which will test reading and writing skills.

    You will read a text of up to 300 words and have 10 minutes to write your summary. You will do 2-3 of these questions depending on the combination of tasks in the given test.

    In this assessment, you must write just one sentence. Try using the Erasable Noteboard Booklet to take notes of the main points.

    Make sure to include the main points of the text in a full, single sentence of no more than 75 words.

    You can receive a maximum score of 2 points for content, maximum 1 point for the formal requirements, a maximum of 2 points for grammar and a maximum of 2 points for vocabulary.

    Essay

    The last question type of the Speaking and Writing Test will test writing skills.

    In this question type, you will be provided with 2-3 sentences of text prompt and have 20 minutes to answer, by writing a 200-300 word argumentative essay on a given topic.

    Time management is important for this task as you will need to plan, write and proofread your essay.

    In this question, there are many parts where you can receive points. You can receive a maximum of 3 points for the content, maximum of 2 points for the formal requirements and maximum 2 points for development, structure and coherence.

    You can also receive a maximum score of 2 points for grammar, maximum 2 points for general linguistic range, maximum 2 points for vocabulary range and a maximum of 2 points for no spelling errors.

    There is a total of 15 points that you can pick up in this question type.

    What's next?

    Read more about Part 2: Reading Test Introduction.

    Want more prep ideas?

    Plus, explore Smart Prep, which combines all our practice materials in one place, so it's easier for you to stay on track with your PTE preparation.

    • Smart Prep is 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.

    Ready to get started?