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

  • Image- student, 1080px
    Scholarships for international students in Australia
    By PTE Author
    Reading time: 4 minutes

    Dreaming of studying in Australia? It’s never too early to start planning financially. Tuition fees for international undergraduate students typically range from AUD 35,000 to AUD 55,000 per year, depending on the university, course of study, and location. For example, STEM and medical programs are generally more expensive than humanities or social sciences​. However, there are lots of scholarships available to help pay for your studies. 

    In this article, we’ll look at what funding is available for international students in Australia. By the end, you’ll have a list of resources to explore to find the scholarship that’s right for you.  

    Are you eligible for a scholarship? 

    Australia offers grants, bursaries, and scholarships to people from around the world – including undergraduate, postgraduate, PhD, and vocational students. They’re funded by the government, universities, and private entities.  

    The Australian Government has an excellent scholarship search tool on its website. With it, you can search for funding opportunities based on a whole range of factors – like what country you come from, what university you’re attending, and your area and level of study. You’ll see how much each scholarship is worth, who it’s made for, and of course, whether you might be eligible.  

    Australian scholarship opportunities  

    Now, let’s cover a few scholarship opportunities for international students in Australia. 

    Australia Awards Scholarships 

    Australia Awards scholarships are offered to global student leaders from developing countries. They’re awarded by the Department of Foreign Affairs and Trade (DFAT), and support students with full tuition, airfare, living costs, and more. In 2021, 818 Australia Awards were given to students from 20 countries worldwide.  

    Destination Australia Awards  

    The Australian government introduced the Destination Australia program to provide both local and international students with the opportunity to study in more regional and remote areas of Australia – towns such as Ballarat (Victoria), Gatton (Queensland), and Lismore (New South Wales). The scholarships are given out through Australian universities and provide students with up to $15,000 AUD each year.  

    University-specific scholarships 

    In addition to government-provided scholarships, universities also offer their own scholarships to qualifying international students. There’s the James Rice Postgraduate Award at The Australian National University (ANU); International Stand Out Scholarship at Bond University, and the Adelaide Refugee & Humanitarian Postgraduate Coursework Scholarship at University of Adelaide.

    The point is, universities offer lots of scholarships for international students based on a long list of eligibility factors – like home country, area of study, and academic merit. 

    To search for funding opportunities at your own institution, use the search tool on the Australian Government website.

    A case study: Monash University scholarships 

    To get an idea of all the different scholarships that can be offered by Australian universities, we’ll take a closer look at one popular institution for international students: Monash University.  

    Monash University is recognized for its research and teaching, and offer more than 80 scholarships to international students, including:   

    Universities throughout Australia offer similar scholarships.  

    To apply for any scholarship or funding opportunity, you’ll need to contact the scholarship provider.  

    Other ways to fund your studies 

    As an international student, there are other options to pay for your studies in Australia.   

    One of the biggest perks of studying in Australia is that international students can work up to 48 hours every two weeks while studying and unlimited hours during study breaks on an Australian student visa. The minimum wage is $24.10 per hour or $915.90 per week,  meaning you’ll be able to put some money aside to help fund your education.

     Depending on where you are from, you might also be able to get a student loan or scholarship from your own country to study overseas.  

    Last updated 20 December 2024.

    PTE Academic can support you on your journey abroad. Our computer-based, bias-free English language proficiency test is accepted by all universities in Australia – as well as by the Department of Home Affairs for all visa categories. 

    Learn more about PTE Academic in Australia.

  • Image- calculator-800px x451px
    Living expenses in the UK for international students
    By PTE Author
    Reading time: 3 minutes

    Studying abroad in the UK can be expensive. International students need to budget for flights, tuition, textbooks, accommodation, and don’t forget the visa application.

    Of course, living costs in the UK for international students can vary depending on your lifestyle and where you live. So, in this blog, we’ll look at how much students in the UK spend on average each month – and explore how much it cost to live in a large city, compared to a smaller city.  

    Average student living expenses in the UK

  • Image- UK, 1080px
    Applying for the EU Settlement Scheme: what you need to know to get British citizenship
    By PTE Author
    Reading time: 6 minutes

    At the beginning of this year, new Brexit-related rules went into effect in the UK and the EU.  They’ll have a big impact on immigration and travel – including on how people will be able to move to the UK to live, work and study. 

    If you’re an EU citizen—and started living in the UK before 2021—immigration rules won’t change for you until June. But after that, you might have to apply for the EU Settlement Scheme to stay in the country. 

    More than 4.3 million people have been approved for the scheme already. And, they’re on the path to receiving a British passport. With the EU Settlement Scheme, EU citizens can apply for British citizenship after 12 months. 

    In this blog, we’ll explore more about the scheme and how to apply for citizenship. We will also look at the English language requirements you’ll need to keep in mind as an EU citizen. 

    Keep in mind: We aren’t immigration agents. For the latest information and official updates, please visit the GOV UK website. 

    First, what is the EU Settlement Scheme?

    The EU Settlement Scheme is a program set up by the UK government. It allows EU, Swiss, and EEA citizens to keep living in the UK after June 2021. It’s free to apply, and once you do, you’ll be granted either: 

    • Settled status – You’ll get this if you’ve lived in the UK continuously for five years. You will be able to stay in the UK indefinitely provided you don’t leave the UK for 5 years consecutively.

    • Pre-settled status – You’ll get this if you’ve lived in the UK for less than five years. With pre-settled status, you’ll only be able to stay in the UK for another five years but can always apply for settled status later if you want to settle permanently. 

    With settled status, as we mentioned, you’ll also have the opportunity to apply for British citizenship. Although, many people have decided to apply for citizenship right away instead of going through the scheme – for example, if they have a British parent or spouse. 

    With citizenship, you’ll have the right to live permanently in the UK with a British passport, which means you’ll no longer be subject to immigration controls. You’ll also be able to work and study in the UK, sponsor your family members to migrate, access NHS healthcare, access public benefits and pensions  – and of course, vote in elections. 

    The Mayor of London’s website has a comprehensive FAQ on the EU Settlement Scheme. You can also find out more information on the official GOV UK page.

    How to apply for British citizenship 

    If you’re interested in applying for British citizenship, there are a few ways to do so. For example, you could be eligible if you: 

    • have a British civil partner or spouse;

    • were born in the UK;

    • have a British parent;

    • have settled status under the EU Settlement Scheme. 

    The requirements for citizenship are often different, depending on why you’re applying and how you’re eligible. But if you’re applying under the EU Settlement Scheme, in most circumstances you’ll have to show you: 

    • have been living in the UK for more than five years and will continue to do so;

    • are of good character;

    • have passed the Life in the UK Test, which consists of 24 questions on British traditions;

    • are knowledgeable in English, Welsh, or Gaelic. You will also need to take an approved English test for UK citizenship.

    Learn more about how to apply for British citizenship with the scheme here.