Attachment 643004
Attachment 642988

These are the answers to some of the most common questions we've been asked about Postgraduate Loans.



General questions


Q. When can I apply for a Postgraduate Loan?


A. Apply now! The quickest way to apply is online at www.gov.uk/postgraduateloan

Q. Is the Postgraduate Loan for tuition fees or living costs?


A. The Postgraduate Loan is a contribution towards your costs while you’re studying a postgraduate Master’s course. You can use it to pay tuition fees or living costs, it’s up to you.


Q. Do I have to reapply each year for the Postgraduate Loan?


A. No, your application for support is for the duration of your course. If you’re studying for more than one academic year, we’ll contact you in the summer about your following years payments.

Q. I have student loans from my undergraduate course that I haven’t repaid. Does this mean I’m behind with repayments?


A. No, having student loans for an undergraduate course doesn’t mean you can’t get a Postgraduate Loan.
Before you can get a Postgraduate Loan, you may have to settle any repayments missed if:


  • you've been outside the UK for three months or more since finishing your undergraduate course and haven’t told the Student Loans Company, or

  • have been repaying by Direct Debit and have missed any repayment, or

  • have a mortgage style loan and are in arrears


Q. I have children/an adult who depends on me and got Childcare Grant/Parent's Learning Allowance/Adult Dependants' Grant while I was studying my undergraduate course. Can I get these grants for my postgraduate Master’s course?


A. No, these grants are not available.


Q. I got Disabled Students’ Allowances (DSAs) while I was studying my undergraduate course. Can I get these while I study my postgraduate Master’s course?


A. Yes, you can still apply for DSAs. You can get an allowance of up to £10,652 a year, the amount you get will be based on your needs.






Eligibility – Courses

Q. Can I get a Postgraduate Loan for a Legal Practice course (LPC) or a Graduate Diploma in Law (GDL) course?


A. You can only get a Postgraduate Loan for a full postgraduate Master’s course. So, to get a Postgraduate Loan for these courses you must be studying them as part of a full postgraduate Master’s course. If you’re studying for these qualifications separately you’ll not be able to get a Postgraduate Loan, even if you plan on topping up to a Master’s later.


Q. Can I get a Postgraduate Loan for an Initial Teacher Training (ITT) course or a Postgraduate Certificate in Education (PGCE)?



A. No, these courses are funded in the same way as undergraduate courses. Visit the full-time students page for more information.


Q. I already have an Initial Teacher Training (ITT) qualification or a Postgraduate Certificate in Education (PGCE), can I still apply for a Postgraduate Loan for another postgraduate Master’s course?


A. Yes, if you study a postgraduate Master’s course you’ll be able to apply for a Postgraduate Loan.


Q. Can I get a Postgraduate Loan for a Postgraduate Certificate (PGCert) or a Postgraduate Diploma (PGDip)?


A. No, you can only apply for a Postgraduate Loan if you’re going to be studying a postgraduate Master’s course.


Q. I’m starting a PhD, can I get a Postgraduate Loan?


A. No, you can only get a Postgraduate Loan for a postgraduate Master’s course.


Q. I’m studying a Master’s degree as part of my PhD, can I apply for a Postgraduate Loan?


A. No, you can only get a Postgraduate Loan for a postgraduate Master’s course.


Q. I want to top up the qualification I already have to a Master’s. Can I get a Postgraduate Loan?


A. No, to get a Postgraduate Loan you have to be starting a full postgraduate Master’s course.


Q. I have an MA from a Scottish university, Oxford, Cambridge or Trinity College Dublin. Can I get a Postgraduate Loan?


A. Yes, holding an MA from a Scottish university, Oxford, Cambridge or Trinity College Dublin won’t make you ineligible for a Postgraduate Loan.


Q. Can I get student finance for an Initial Teacher Training (ITT) course or a Postgraduate Certificate in Education (PGCE) if I’ve already done a postgraduate Master’s course?



A. Yes, these courses are funded in the same way as an undergraduate course and having a Master’s won’t make you ineligible for funding. Visit the full-time students page for more information.


Q. I’m an EU student and already have university and/or college qualifications. Can I get a Postgraduate Loan?


A. Yes, if the postgraduate Master’s course you want to study is a higher level than any qualifications you already hold. If you already have an equivalent or higher level qualification from the UK or any other country, you won’t be able to get a Postgraduate Loan. You can find out more about comparing qualifications at Gov.uk


Q. I normally live in England and I am a UK national but I want to study a postgraduate Master’s course in Scotland, Wales or Northern Ireland. Can I get a Postgraduate Loan?


A. Yes, as long as you meet the residency requirements you can choose to study anywhere in the UK.


Q. I applied for a postgraduate Master’s course in 2016/17 but deferred and will be starting in 2017/18. Can I get a Postgraduate Loan?


A. Yes, because your course is starting on or after 1 August 2016 you'll be able to get a Postgraduate Loan.


Q. I’m currently studying a postgraduate Master’s qualification and will be starting my second year in 2017. Can I get a Postgraduate Loan?


A. Yes, you’ll be able to apply in your second year if you started your course in 16/17.


Q. I want to study a postgraduate Master’s course with the Open University (OU). Can I apply for a Postgraduate Loan?


A. Yes, if you’re studying a part-time course you can study for up to two years (for the equivalent one year full-time course), up to four years (for the equivalent two year full-time course) or for three years there is no equivalent full-time course. You can check with the OU that your course is eligible for a Postgraduate Loan.




Eligibility – Residency

Q. I lived in England but currently study for my undergraduate course at a university in Scotland/Wales/Northern Ireland. Does living outside of England while I was studying mean I can’t get a Postgraduate Loan?


A. No, if your home address is in England studying in Scotland, Wales or Northern Ireland for your undergraduate course won’t stop you from getting a Postgraduate Loan.


Q. I’ve been living in England studying an undergraduate course and received my funding from Student Awards Agency Scotland / Student Finance Wales / Student Finance Northern Ireland. Can I get a Postgraduate Loan?

If you’re living in England for the purposes of education, you’re not classed as ordinarily resident in England. This means you’re not eligible for the Postgraduate Loan. Refer to your own funding provider to see what support is available for postgraduate study.


Q. I’ve been living outside the UK temporarily because I’m travelling/in temporary employment. Can I get a Postgraduate Loan?


A. It depends on your circumstances. If you live outside the UK during the three years before the start of your course, but you normally live in England you might be able to get a Postgraduate Loan. Living outside the UK because you’ve been travelling, on a gap year or temporarily working abroad usually won’t stop you getting a Postgraduate Loan. We’ll assess each application based on your circumstances and more complex circumstances will need to be looked at by an assessor once the application has been submitted.


Q. Can I get a Postgraduate Loan if I’m studying a postgraduate Master’s course by distance learning?


A. Yes, but you usually need to be studying in England on the first day of your course to get a Postgraduate Loan for a distance learning course.
If you’re a member of the UK Armed Forces or a family member and studying on a distance learning course outside the UK, you might be eligible to get a Postgraduate Loan.


Q. I’m an EU student, can I get a Postgraduate Loan?


A. Yes. If you normally live in the EEA or Switzerland for three years before the first day of the first academic year of your course you can apply for a Postgraduate Loan. The postgraduate Master’s course you’re studying must be at a university in England


If you’ve been living in the UK for at least three years before the first day of the first academic year of your course, and normally live in England, you can apply for a Postgraduate Loan. The postgraduate Master’s course you’re studying can be at a university anywhere in the UK