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Postgraduate Loans for Doctoral Study

Eligible students can borrow up to £25,700 (2019/20) and repayments will not start before April 2022 (External Link)

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.

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.


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 degree
  • 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 are available at https://www.gov.uk/doctoral-loan/further-information

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