Postgraduate doctoral loans for UK and EU students

What you could get when you apply for a loan to study a PhD or postgraduate doctoral programme in 2018/19.

What you need to know

Getting a postgraduate doctoral loan can significantly reduce the burden of studying for a PhD.


£25,000

You can borrow up to £25,000 if you live in England or Wales

An illustration of a mortar board

You can use your loan to help pay your tuition fees

Briefcase logo

If you live in England or Wales, you don't have to start repaying your loan until you earn over £21,000 a year

What you can borrow

The amount you can borrow depends on where you normally live.


How you can use the money

You can use your loan in different ways, depending on where you normally live.


If you live in England or Wales, you can use your loan to help you pay your tuition fees or living costs, it's up to you.

However you use your loan, it can significantly reduce the burden of studying for a PhD.


When you repay the loan

You don't have to start repaying your loan until you've finished your PhD and started working.


If you live in England or Wales, you'll start repaying your loan when you earn over £21,000 each year.

Postgraduate doctoral loans explained

Watch the Student Finance England video about 2018/19 postgraduate doctoral loans.


Read more about postgraduate loans

Find out if you're eligible