From September 2017, eligible students from England, Northern Ireland, Scotland and Wales can access a postgraduate loan to study a Masters degree.
EU students will also have access to UK postgraduate loans in 2017 as part of fee and funding guarantees following the recent EU referendum.
Students from England and Wales can borrow up to £10,280 to study a Masters degree.
In Northern Ireland, a loan of £5,500 will be available.
Students from Scotland can borrow a total of £10,000: £5,500 for tuition fees and £4,500 for living costs.
You don’t have to borrow the full amount. You can also amend the amount you requested up to one month before the end of the academic year.
Postgraduate loans are not means-tested.
In England, Northern Ireland and Wales, you don’t have to declare how you plan to use the funds. They could help pay your fees, accommodation or other living costs you may have while studying.
In Scotland, up to £5,500 is allocated for tuition fees, and up to £4,500 for living costs.
Yes, if you’re eligible for a postgraduate loan you can still receive scholarships, bursaries or other funding you have applied for.
However, note that if you're receiving certain types of funding – such as an NHS bursary for nursing, or funding for teacher training – you may not be eligible for a postgraduate loan. It's best to check with postgraduate loan providers for more information.
You may be eligible for a postgraduate loan if you:
There are no subject restrictions. However, if you are receiving alternative funding – such as an NHS bursary for nursing, or funding for teacher training – you may not be eligible for a postgraduate loan.
Your course should last up to two years full-time, or four years part-time. It should also result in a full Masters degree.
Eligible courses include:
The following aren’t eligible for a postgraduate loan:
If you live in Northern Ireland, the Government will offer loans for courses up to Masters level, including PGCert and PGDip qualifications. As these courses typically cost less than a full Masters, the amount you can borrow may be capped accordingly.
If you’re part-time, you must be studying at a minimum of 50% intensity (ie, progressing through your course at at least half the ‘speed’ of someone studying it full-time).
From 2017, part-time students will be able to receive payments throughout their course. For example, if you’re borrowing £10,280 in total and your degree lasts for four years, you can receive £2,570 in each year of study.
In England, Northern Ireland and Wales postgraduate loans are portable, which means you can study anywhere in the UK.
If you’re studying by distance learning, your course should be offered by a UK university. You’ll also need to be resident in the country in which you apply for your loan, while you’re studying. Your course can be offered by a university outside of that country – as long as it’s in the UK.
The rules governing postgraduate loans in Scotland are slightly different. If you’re applying for a postgraduate loan in Scotland, you should intend to study at a Scottish university. However, you may be able to study at other UK universities if a course isn’t offered in Scotland.
If you’re interested in distance learning, the postgraduate loan will apply to eligible Masters degrees offered by the Open University. It won’t apply to distance learning courses offered by ‘physical’ universities with a campus in the UK.
To apply for a postgraduate loan visit:
You’ll need your National Insurance number to apply.
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If you are eligible for the postgraduate loan it will be paid directly into your UK bank account in three equal instalments each academic year, once we have confirmed your status as a student.
In England and Wales, interest will accrue on your loan at Retail Price Index +3% on your outstanding balance.
In Northern Ireland, interest will accrue at Retail Prices Index or at 1% above the base rate of a selected group of banks (whichever is lower).
In Scotland, interest is linked to inflation via the Retail Price Index.
The Retail Price Index can change each September, so the interest rate may also be adjusted at this time.
You can pay back some or all of your loan at any time without penalty. Any remaining loan will be repaid under income contingent repayment terms. The repayment due date for postgraduate loan balances will be 6 April following the academic year in which the course is completed.
If you’re scheduled to repay in full within two years you can switch to direct debit repayments.
In England and Wales, repayments are 6% of your income above the relevant threshold. This will be £21,000 in the 2019/20 tax year.
In Northern Ireland and Scotland, repayments are 9% of your income once you are earning over £17,495 per year.
Any outstanding balance will be written off on the 30th anniversary of the date that the loan became due for repayment (25 years in Northern Ireland).
If you’re overseas, the threshold will be based on the cost of living in your country of residence – these payments will be made directly to the Student Loans Company.
This information may be subject to change. Visit the Student Loans Company website for more information.
If you are an international student please visit this page.
We offer a number of scholarships and, from September 2017, new postgraduate students from the UK and EU may also be eligible for our Books Plus scheme.
We’re pleased to offer all our former UK/EU students the opportunity to save £1,000 on any postgraduate taught degree.
The Alumni Postgraduate Scholarship of £1,000 is available to students starting a full- or part-time Masters degree in September 2017*.
Your postgraduate application will be automatically assessed for eligibility for the Alumni Scholarship. To apply, download the application form (below). When applying online for your course, upload your form with your other relevant documentation.
If you're a former international student of Anglia Ruskin University, you’ll automatically receive this discount of £1,000 as part of your application.
If you are applying for a Postgraduate Research course, you will be eligible for a £400 discount per annum (pro rata for part-time students). You do not need to fill in the scholarship application form - you’ll automatically receive this discount as part of your application.
*The scholarship isn’t applicable to most distance learning courses or courses delivered in conjunction with collaborative partners. All applicants must have successfully completed their award with Anglia Ruskin University to be eligible for the Alumni Scholarship. The Alumni Scholarship cannot be awarded in conjunction with the Lord Ashcroft Business School MBA Scholarship.
The scholarship can only be granted for full Masters courses (interim awards such as Postgraduate Certificates and Diplomas are excluded), or Postgraduate Research courses.
You will qualify for the Alumni Scholarship if you have completed one of the following full awards with us:
full honours degree (BA/BSc)
full Masters degree (MA/MSc)
Postgraduate Certificate (PG Cert)
Postgraduate Diploma (PG Dip).
Please note the scholarship can only be awarded once.
Our Achievement Scholarship is worth up to £1,000 per course.
It’s available to current students and alumni starting a course in September 2017, who have achieved a final classification of a 1st or 2:1 (or equivalent score) in their undergraduate degree and are accepted on to one of our taught Masters courses including the Legal Practice Course (LPC).
Upon application for one of our taught Masters courses you will be automatically assessed for eligibility to receive this scholarship.
For those wishing to study for a PhD or professional doctorate a one-off £1,000 scholarship will be applied for full-time students to your first-year tuition fee only. For those wishing to study for a PhD or professional doctorate on a part-time basis, a one-off £400 scholarship will be applied to your first-year tuition fee only.
This is available to current students who achieve a final classification of a 1st or 2:1 (or equivalent score) in their undergraduate degree or a Distinction at Masters level and are accepted onto our PhD or professional doctorate courses.
Our Lord Ashcroft International Business School EU Partner Scholarship is worth up to £1,000 per course. It’s available to graduates of EU partner institutions who apply to study on a full fee paying 180-credit, full-time Masters, MPhil or PhD course from September 2016. You will be awarded this scholarship once you have accepted an offer of a place with us.
Boost your career prospects with our prestigious MBA qualification. Our course focuses on the strategic and leadership qualities that you’ll need to be a successful manager in any organisation – or your own business. To find out more, email email@example.com.
The Cambridge University Press Bursary Scheme: a reduction of £1,200 on tuition fees. The Stationers' Foundation University Bursary Scheme: a bursary of £6,000 and the opportunity to receive mentoring from an appropriate Stationer during your studies.
The Mark Wood Art and Design Scholarship
Students taking up a place on the following Masters courses can apply for this scholarship: MA Film and TV Production, MA Fine Art, MA Printmaking, MA Graphic Design and Typography, MA Illustration and Book Arts, MA Photography, MA Fashion Design, MA Computer Games Development (Art). For more details and the application form, visit our Fundraising website.
We offer the opportunity to apply for a sports scholarship worth up to £1,000 for three years. Each award is tailored to suit individual needs and combines high quality performance support services with fantastic facilities that will add value to your existing training programme. Find out more and apply now
We recommend you research funding options before committing to a postgraduate course.
Some charities, trusts and foundations make partial funding awards for postgraduate study. You can find out more about charities and trusts at your local library. Useful publications include: The Educational Grants Directory; The Grants Register; The Directory of Grant Making Trusts; and The Charities Digest.
You can search for funding from educational trusts on the Turn2Us website.
If you’re taking a postgraduate social work course you might be eligible for the following funding through the NHS Business Services Authority:
Means-tested additional funding
For more information and to download an application form please see the NHS Business Services Authority website or contact the NHS funding general enquiries line - Tel: 0845 358 6655
It’s worth exploring the different types of loans available to fund postgraduate study.
Career Development Loans allow you to borrow between £300 and £10,000 to help you fund up to two years of learning. They’re available from three high street banks and are repayable over a fixed period at an agreed rate of interest, details are available on Gov.UK.
Graduate Loans and Professional Studies Loans are available through high street banks. You should discuss your needs with the bank and shop around for the most suitable loans.
Anglia Ruskin University is a member of the Professional Career and Development Loan Register and our registration number is 3354.
There are seven research councils which award grants to institutions (though not to individual students):
Visit the Prospects website for details of the grants available, and how to apply.
If you’re a postgraduate student taking either a full or part-time recognised taught or research course you’re now eligible to apply for DSA. The course must last for a minimum of one year full-time or, if taken part-time, must be the equivalent of 50% of a full-time course. For more information and to download an application form, visit Gov.uk.
If you’re a registered full-time student you don’t have to pay a council tax bill unless you live with someone who isn’t a student. If you do live with non-students you may still be able to get a discount on the total cost.
To get a discount you may need to get proof that you’re a registered student from the University iCentre after you’ve started your course.
You can find out more and apply for a council tax discount on Gov.uk.
You might be eligible for help with health costs such as prescriptions, glasses and dental treatment through the NHS Low Income Scheme. Being a student doesn't mean you’re entitled to help with these costs, each claim is assessed individually and depends on your financial circumstances.
You’ll need an HC1 claim form to apply. You can get this from Student Services on the campus you’re studying at or from any benefits office, NHS hospital, dentist, doctor or optician. You can also request an HC1 form and get more information on the Low Income Scheme from the National Health Business Services Authority.
You'll find fees for courses starting in 2017-18 on our individual course pages.
Course pages also contain details of part-time fees, which are linked to the full-time fee and may vary depending on the number of course credits you study each year.
You won't need to pay fees until you've accepted an offer to study here. You can’t pay fees on a monthly basis from your wages, they can only be paid in three instalments through our online payment system (or in a bank-to-bank transfer).
You won't need to pay fees until you've accepted an offer to study here. You can’t pay fees on a monthly basis from your wages, they can only be paid in three instalments through our online payment system (or in a bank-to-bank transfer) by the following dates.
Please note: if you are studying a course that’s duration is greater than 12 months, you will receive up to £5,000 in your first year and the remainder in your second year. Our repayment plans can be made flexible in these instances to suit your needs, but you will need to discuss your case with a member of the finance team.
A taught postgraduate qualification may mean you have to attend lectures and seminars as well as taking exams, writing a dissertation or being involved with practical work.
These qualifications are banded depending on the costs associated with the course. The more additional resources and equipment that are required, the higher the cost. To find out which band your course is in, please visit the course page.
The main types of postgraduate qualification are:
Most postgraduate research qualifications are awarded to students for their original academic research which is reviewed by examiners. Research programmes can last from one year for a Master of Philosophy (MPhil), up to eight years for a Doctor of Philosophy (PhD).
(MPhil and PhD students don't necessarily study Philosophy, this is just a term used to describe qualifications at doctorate level.)
If you’re taking a graduate programme of study which is lower or equivalent in level to a qualification you already hold. e.g. you’re taking a second masters qualification.
Tuition fees for new ELQ students are the same as our UK/EU postgraduate fees.
If you’re not sure whether this applies to you, please contact us for more information.
We’re committed to supporting students who are keen to succeed in their studies.
We offer eligible students up to £400 each year to help with study-related costs with our scheme, Books Plus. For more information on this, please visit our Books Plus page.