If you’re starting a full postgraduate Doctoral course, you could get a Postgraduate Doctoral Loan. Content provided by Student Finance England.
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What's available?

You can apply for a Postgraduate Doctoral Loan of up to £25,700, if your course starts on or after 1 August 2019. If you start before 1 August 2019, you can apply for a Postgraduate Doctoral Loan of up to £25,000. This is to help with your course and living costs while you’re studying, and has to be repaid.

Your loan payments will be spread out across all the academic years of your course. For example, if you’re studying full-time over four years and apply for the maximum loan amount of £25,700, your payments would be £6,425 in each academic year. The loan is paid in three instalments at the start of each term.

You can apply for a Postgraduate Doctoral Loan amount in any year of your course, but if you apply after the first year, you might not get the maximum amount.

Disabled Students' Allowances

If you have a disability, including a long-term health condition, mental health condition, or specific learning difficulty, such as dyslexia, you might be able to get Disabled Students’ Allowances. These don’t have to be paid back. You don’t have to be getting a Postgraduate Doctoral Loan to apply.

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How do I apply?

When you apply for student finance, you'll need to agree to Student Finance England's terms and conditions.

You can apply for a Postgraduate Doctoral Loan in any year of your course, but you might not get the full amount if you apply after the first year of your course.

To get a Postgraduate Doctoral Loan, you must apply no more than nine months after the first day of the final academic year of your course.

You don't need to apply each year for a Postgraduate Doctoral Loan.

If Student Finance England ask you for any evidence, send this as quickly as possible to avoid delays with your application.


Postgraduate Doctoral Loan explained

Postgraduate Doctoral Loan explained

Eligibility

If you’re starting a full-time or part-time postgraduate Doctoral course on or after 1 August 2018, you could get a Postgraduate Doctoral Loan to help towards your course and living costs.


Repayment

You'll be due to start making repayments either:

  • the April after you finish or leave your course
  • the April four years after the start of your course, if you’re on a course longer than four years 

but only if you're earning over a certain amount of money, which is currently £21,000 a year, £1,750 a month, or £404 a week. You'll be due to start repaying the April after you finish or leave your course, but only if you're earning over a certain amount of money, which is currently £21,000 a year, £1,750 a month, or £404 a week.

Any loan remaining 30 years after you’re due to start making repayments will be cancelled.

You’ll repay 6% of what you earn over the threshold. So if you’re paid monthly and earn £2,500 per month before tax, you’ll repay 6% of the difference between what you earn and the threshold.

For example:

£2,500 - £1,750 = £750

6% of £750 = £45

The table below shows how much you’ll repay towards your loan.

Yearly income before tax Monthly income before tax Monthly repayment
£21,000 £1,750 £0
£22,000 £1,833 £4
£23,500 £1,958 £12
£25,000 £2,083 £19
£30,000 £2,500 £45

A student loan repayment will be taken even if you don’t earn £21,000 in a year, but earn over the weekly or monthly threshold at any time, for example, if you work overtime or get a bonus.

Previous loans

If you’ve had a previous loan from Student Finance England, you’ll continue to repay this loan at the same time. How much you’ll repay depends on when you started your undergraduate course.

Courses that started after 1 September 2012

If you borrowed a loan for your undergraduate course that started after 1 September 2012, you’ll repay 9% of your income above £25,725 towards that loan, and 6% of your income above £21,000 towards your Postgraduate Doctoral Loan.

If you borrowed a Postgraduate Loan for a master’s course as well as a Doctoral course, the repayment amount due will remain at 6%. This will go towards any loans borrowed for both master’s and Doctoral courses.

The table below shows how much you’ll repay towards your loans.

Yearly income before tax Monthly income before tax Plan 2 undergraduate loan repayment Postgraduate loan repayment
£21,000 £1,750 £0 £0
£22,000 £1,833 £0 £4
£23,500 £1,958 £0 £12
£25,000 £2,083 £0 £19
£27,000 £2,250 £9 £30

Courses that started before September 2012

If you borrowed a loan for your undergraduate course that started before 1 September 2012, you’ll repay 9% of your income above £18,935 towards that loan, and 6% of your income above £21,000 towards your Postgraduate Doctoral Loan.

The table below shows how much you’ll repay towards your loans.

Yearly income before tax Monthly income before tax Plan 1 undergraduate loan repayment Postgraduate loan repayment
£18,935 £1,577 £0 £0
£21,000 £1,750 £15 £0
£25,000 £2,083 £45 £19
£30,000 £2,500 £82 £45

You can find out more about repaying your loans at www.gov.uk/repaying-your-student-loan.


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