Doctoral Loan
Eligibility
Whether you qualify depends on:
- your course
- your age
- your nationality or residency status
You will not be able to get a Postgraduate Doctoral Loan if:
- you鈥檝e received or will receive Research Council funding (for example, studentships, stipends, scholarships and tuition fee support)
- you鈥檙e already getting a social work bursary
- you鈥檙e already getting an Educational Psychology bursary and your course starts on or after 1 August 2020
- you鈥檙e eligible to apply for an NHS bursary (even if you鈥檙e not receiving it)
- you鈥檙e already getting payments from Student Finance England for another course that you鈥檙e studying
- you鈥檝e received a Postgraduate Doctoral Loan before - unless you left your course due to illness, bereavement or another serious personal reason
- you already have a doctoral degree, or a qualification that鈥檚 equivalent or higher
- you鈥檙e receiving a doctorate by publication
- you鈥檙e behind in repayments for any previous loans from the Student Loans Company
Your course
It must:
- be a full, standalone doctoral course (not a top-up course)
- have started on or after 1 August 2018
- last between 3 to 8 academic years
- be provided by a university in the UK with research degree awarding powers
If more than one university delivers your course and one is overseas, you鈥檒l still be eligible for the Postgraduate Doctoral Loan so long as:
- the UK university is the lead institution
- you spend at least 50% of your study time over the whole course in the UK
It can be:
- full-time or part-time
- taught or research-based, or a combination of both
Examples of postgraduate doctoral qualifications include:
- PhD / DPhil (Doctor of Philosophy)
- EdD (Doctor of Education)
- EngD (Doctor of Engineering)
Integrated doctorals
You can apply for a loan if your doctoral programme includes an integrated master鈥檚 degree (even if you already have a master鈥檚 degree).
You must register for a full doctoral degree.
You will not be able to apply for a separate Postgraduate Master鈥檚 Loan.
Distance learning
To qualify for a Postgraduate Doctoral Loan for distance learning, you鈥檒l need to be living in England on the first day of the first academic year of your course.
You鈥檒l also need to live in:
- England for the whole of your course, if you鈥檙e an EU national
- the UK for the whole of your course, if you鈥檙e not an EU national
This usually does not apply if you鈥檙e:
- serving in the armed forces
- a spouse or civil partner of a serving member of the armed forces
- a dependent parent living with a serving member of the armed forces
Your age
You must be under 60 on the first day of the first academic year of your course.
The academic year is a period of 12 months starting on:
- 1 September, if your course starts between 1 August and 31 December
- 1 January, if your course starts between 1 January and 31 March
- 1 April, if your course starts between 1 April and 30 June
- 1 July, if your course starts between 1 July and 31 July
Your nationality or residency status
You can apply for the Postgraduate Doctoral Loan if all of the following are true:
- you鈥檙e a UK national or Irish citizen or have settled status under the EU Settlement Scheme or indefinite leave to remain so there are no restrictions on how long you can stay
- you normally live in England
- you鈥檝e been living in the UK, the Channel Islands or the Isle of Man for 3 years in a row before the first day of the first academic year of your course (apart from temporary absences such as holidays)
If you鈥檝e been living in Ireland or a British overseas territory, you do not need to normally live in England. You can apply for the loan if you attend your course in England or do distance learning in England.
You might also be eligible if you鈥檙e a UK national (or family member of a UK national) and you鈥檝e been living in the UK, the EU, Gibraltar, Switzerland, Norway, Iceland or Liechtenstein for the past 3 years. To be eligible, you must have either:
- returned to the UK on or after 1 January 2018 and by 31 December 2020 after living in the EU, Switzerland, Norway, Iceland or Liechtenstein
- been living in the EU, Switzerland, Norway, Iceland or Liechtenstein on 31 December 2020
If you鈥檙e an EU national or a family member of an EU national
You may be eligible if you鈥檙e an EU national, or a family member of an EU national, and all the following apply:
- you have settled or pre-settled status under the EU Settlement Scheme (no restrictions on how long you can stay)
- you鈥檝e normally lived in the UK, the EU, Norway, Iceland, Liechtenstein, Switzerland or overseas territories for the past 3 years (this is also known as being 鈥榦rdinarily resident鈥�)
- you鈥檒l be studying at a university in England
You could also be eligible if you鈥檙e:
- the child of a Swiss national and you and your parent have settled or pre-settled status under the EU Settlement Scheme
- a migrant worker from the EU, Switzerland, Norway, Iceland or Liechtenstein with pre-settled status, or a family member of a migrant worker where both have settled or pre-settled status
- a resident of Gibraltar who is a UK or EU national, or their family member
- an EU national and have pre-settled status under the EU Settlement Scheme and lived in the UK, the Channel Islands or the Isle of Man for the past 3 years
Student finance for EU, Swiss, Norwegian, Icelandic or Liechtenstein nationals from August 2021
If you started a course on or after 1 August 2021, you usually need to have settled or pre-settled status under the EU Settlement Scheme to get student finance.
You need to have started living in the UK by 31 December 2020 to apply to the EU Settlement Scheme. The deadline to apply was 30 June 2021. If you鈥檙e joining family members in the UK who have settled status, you can apply for student finance before you have been granted pre-settled status.
Irish citizens do not need to apply for a visa or to the EU Settlement Scheme. They can apply to the EU Settlement Scheme if they wish to - for example, to apply on behalf of a child.
If you have a different residency status
You may also be eligible if your residency status is one of the following:
- refugee (including family members)
- humanitarian protection (including family members)
- child of a Turkish worker who has permission to stay in the UK - you and your Turkish worker parent must have been living in the UK by 31 December 2020
- a stateless person (including family members)
- an unaccompanied child granted 鈥楽ection 67 leave鈥� under the Dubs Amendment
- a child who is under the protection of someone granted 鈥楽ection 67 leave鈥�, who is also allowed to stay in the UK for the same period of time as the person responsible for them (known as 鈥榣eave in line鈥�)
- granted 鈥楥alais leave鈥� to remain
- a child of someone granted 鈥楥alais leave鈥� to remain, who is also allowed to stay in the UK for the same period of time as their parent (known as 鈥榣eave in line鈥�)
- you鈥檝e been given settled status but not under the EU Settlement Scheme
- you, your parent or step-parent have been granted settlement (鈥榠ndefinite leave to enter鈥� or 鈥榠ndefinite leave to remain鈥�) as a victim of domestic violence
- you, your parent or step-parent have been granted settlement (鈥榠ndefinite leave to remain鈥�) as a bereaved partner
- you or your family member have been granted leave under the Afghan Relocations and Assistance Policy (ARAP) or the Afghan Citizen鈥檚 Resettlement Scheme (ACRS)
- you or your family member have been granted leave to enter or remain in the UK under the Ukraine Family Scheme, the Homes for Ukraine Sponsorship Scheme or the Ukraine Permission Extension Scheme
- you鈥檙e a person of Chagossian descent and have British citizenship
If you鈥檙e a non-UK national and have lived in the UK for a certain number of years
You could also be eligible if you鈥檙e not a UK national and are either:
- under 18 and have lived in the UK for at least 7 years
- 18 or over and have lived in the UK for at least 20 years (or at least half of your life)
Both the following must also apply:
- you鈥檝e been living in the UK, the Channel Islands or the Isle of Man for 3 years in a row before the first day of the first academic year of your course聽
- you had permission to enter or stay in the UK for those 3 years