Value of award
Maximum of £25,000 (2018 entry)
- The UK government’s Postgraduate Doctoral Loan is available for new doctoral students starting in the 2018-19 academic year. If you started your doctoral studies before August 2018, you will not be eligible for the Loan.
- Full-time and part-time doctoral degrees (eg PhD, EdD) in all disciplines will normally be eligible (*).
- The Loan is non means-tested and is considered as a contribution towards your tuition fees and living expenses.
- It is available to English and non-UK EU students.
- If you have previously obtained a Postgraduate Master’s Loan, you will be still be eligible to receive the Postgraduate Doctoral Loan.
- It is available to students under the age of 60.
(*) The University's Skills, Technology, Research and Management for the UK Water Sector (STREAM) EngD is not eligible for the Doctoral Loan Scheme as students are funded by the Engineering and Physical Sciences Research Council.
Other sources of funding
- The Loan can be combined with independent sources of funding, such as university funding, employer funding or charity and trust funding.
- You will not be entitled to the Postgraduate Doctoral Loan if you are eligible to receive funding from any of the following organisations:
- Research Councils (this includes studentships, stipends and fees only awards)
- NHS bursaries
- Student Finance (for other courses that you will be studying at the same time)
- Repayments will be income-contingent and made concurrently with postgraduate master’s loans and undergraduate loans.
- Repayments will be calculated at 6% of annual income over £21,000 and this income repayment threshold will be frozen until April 2021. If you are paying from overseas, a different threshold may be applied based on your cost of living and country of residence.
- Repayments will not commence until 6 April following the academic year in which you complete your course.
- Interest will be calculated at Retail Prices Index (RPI) + 3%
Administration and payment of the Loan
- The Loan will be issued by the Student Loans Company.
- It will be paid directly to you and will be divided equally (33%, 33% and 34%) across each year of your course.
- Usually the £25,000 loan would be split equally across the length of your course.
- After your application has been approved you’ll be sent a letter with your payment dates or you can check them in your online account.
- Doctoral degrees in all disciplines will normally be eligible (*), eg PhD (Doctor of Philosophy), EdD (Doctor of Education). If you are receiving a doctorate by publication, you will not be able to apply for the Loan
- Full-time and part-time doctoral degrees are normally eligible (3-8 academic years).
- Taught or research-based, or a combination of both are normally eligible.
- It must be a full, standalone doctoral course. You will not be eligible for the Postgraduate Doctoral Loan if you are studying towards top-up credits to a gain a doctoral level qualification.
- If you already have a doctoral level qualification, an equivalent level qualification or a higher level qualification, you will not be eligible to receive the Doctoral Student Loan.
(*) The University's Skills, Technology, Research and Management for the UK Water Sector (STREAM) EngD is not eligible for Doctoral Loan Scheme as students are funded by the Engineering and Physical Sciences Research Council.
Students from England
You can get the Postgraduate Doctoral Loan if all of the following apply:
- you’re a UK or EU national, or have ‘settled status’
- you normally live in England, and didn’t move here just to study
- you have lived in the UK, the Channel Islands or the Isle of Man for 3 years
Students from Northern Ireland, Scotland and Wales
UK nationals, or individuals with settled status in the UK, ordinarily resident in Scotland, Wales and Northern Ireland are currently not eligible for the loan.
Wales plans to introduce similar doctoral loans for 2018, but full details have not yet been confirmed. Northern Ireland has also been considering plans for doctoral loans, but hasn't set a date for these.
Students from the European Union
You may be eligible if you’re an EU national and all the following apply:
- you’re living in England on the first day of the first year of your course
- you’ve normally lived in the European Economic Area or Switzerland for the past 3 years (this is also known as being ‘ordinarily resident’)
- you’ll be studying at a university in England
You could also be eligible if you’re:
- the child of a Swiss national
- the child of a Turkish worker
- a refugee or a relative of one
- an EEA or Swiss migrant worker, or a relative of one
- under humanitarian protection or a relative of someone who has been granted it
- 18 or over and have lived in the UK for at least 20 years or at least half your life
- a stateless person
How to apply
The 2018/2019 application cycle is due to open in June 2018.