Postgraduate loans

If you are studying a Master’s or Doctoral level course, you may be eligible for a UK government postgraduate loan. This loan can be used to cover fees and living costs and will be paid in instalments to your bank account.

You will not start paying the loan back until you have finished your course and are earning over a certain amount (the ‘threshold’ amount).

Eligibility criteria

There are a number of criteria for assessing your eligibility for a postgraduate loan, such as: 

For full details on eligibility criteria please visit the gov.uk website.

Please note: our professional certificates, graduate certificates, graduate diplomas, Postgraduate Certificates (PgCert) and Postgraduate Diplomas (PgDip) are not eligible for postgraduate loan funding.

Eligible Master’s level courses:

Eligible Doctoral level courses:

How to apply

To apply for a loan, visit Funding for postgraduate study – GOV.UK and follow these directions: 

Applications can be made up to nine months after the start of the final year of your course.

When your application has been approved by the Student Loans Company (SLC), the SLC will release the first instalment, usually up to five working days after receipt of the confirmation from the University of Essex that you are registered. 

In order to enrol on a course, you will need to pay 1% of your annual fee during the online enrolment process to enable enrolment even if the loan has not been approved. The remaining fee will be due in three instalments aligned with your Student Loans Company (SLC) instalments. 

Any change to your academic status post-registration (e.g. intermission, withdrawal, change of course, change of mode of study) will require prompt communication to the SLC, our student registry and your course administrator.

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