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Postgraduate Loans for Doctoral Study

Eligible students can borrow up to £25,000 and repayments will not start before April 2022
Repayments will be income contingent and made concurrently with undergraduate and Master’s loans. 
Rates will be set at 6% of annual income over £21,000 at an interest rate of 3% plus RPI.

The loans will be available for programmes including PhD/DPhil, EdD, EngD and integrated doctoral programmes.  The programme can be taught or research-based, or a combination of both.

  • All disciplines and subject areas are eligible
  • Loans will be available for full-time, part-time and distance learning
  • The loans cover split-site programmes as long as Kent is the lead institution and provided you spend at least 50% of your study time in the UK
  • The loans are not means tested and are paid directly into your UK bank account


Am I eligible?
  • UK and EU nationals who have been resident in England for three years prior to starting their doctoral programme
  • You need to be under 60 at the time you register for your programme
  • Your previous highest level qualification must be below Doctoral level
  • You are keeping to the repayment terms of your previous student loans
  • You are not in receipt of  Research Council funding, a Social Work bursary, are eligible for an NHS bursary
What’s not included?
  • Programmes where you are resident outside the UK for more than 50% of your degre
  • Distance-learners not resident in England at the start of their programme and in the UK for the remainder
  • Top-up programmes
  • Doctorates by publication

How to apply

Full details of Doctoral Loan scheme, including eligibility of students and programmes, are available at https://www.gov.uk/doctoral-loan/further-information

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