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Applying for a doctoral loan with existing unpaid undergraduate loan

Can I apply for a loan to do a PhD while I already have an undergraduate loan from years ago, which I’ve not yet started paying back?

OP

Can I apply for a loan to do a PhD while I already have an undergraduate loan from years ago, which I've not yet started paying back?

Original post by Funkychimp

Can I apply for a loan to do a PhD while I already have an undergraduate loan from years ago, which I've not yet started paying back?

Hi there,

Are you in arrears for the undergraduate loan?

Thanks,
Ross

OP

Original post by Ross SLC

Hi there,
Are you in arrears for the undergraduate loan?
Thanks,
Ross

No, I believe not. I’ve simply never earned enough to start paying it off!

Original post by Funkychimp

No, I believe not. I’ve simply never earned enough to start paying it off!

Thanks for confirming.

If you're not in arrears and never received Doctoral funding then you would be eligible for the support. Our applications for 24/25 are currently live.

Thanks,
Ross

OP

Original post by Ross SLC

Thanks for confirming.
If you're not in arrears and never received Doctoral funding then you would be eligible for the support. Our applications for 24/25 are currently live.
Thanks,
Ross

Thank you! So, just to confirm, arrears doesn’t mean the money generally not paid back, but money that should’ve been paid if you were earning enough?

Original post by Funkychimp

Thank you! So, just to confirm, arrears doesn’t mean the money generally not paid back, but money that should’ve been paid if you were earning enough?

Arrears is essentially you've missed repayments and are further behind.

Thanks,
Ross

OP

Original post by Ross SLC

Arrears is essentially you've missed repayments and are further behind.
Thanks,
Ross

Thank you ever so much for your help 👍🏻

Original post by Funkychimp

Thank you ever so much for your help 👍🏻

You're very welcome.

If you have any further queries, please let us know.

Thanks,
Ross

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