Here you'll find the latest information about the postgraduate loan for Masters students, our scholarships and other sources of funding.
If you'd like an insight into postgraduate study at ARU, book your place on our next Open Evening.
If you are an international student please visit this page.
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 2018/19 as part of fee and funding guarantees following the recent EU referendum.
From September 2018, we also expect PhD (or doctoral) Loans to be introduced. These will offer a loan of up to £25,000 for researchers starting a PhD programme in any subject.
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 recommend you research funding options before committing to a postgraduate course.
Options for funding a course include:
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.
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 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
As Health Education England’s (HEE) ‘Preferred Provider’ for Essex, Cambridgeshire and Peterborough, HEE may be subsiding the tuition fee for UK and EU students starting our MSc Physician Associate course in September 2018. We hope to be able to give more details at interviews for this course, which will take place during 2018.
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.
We offer a number of scholarships, and new postgraduate students from the UK and EU may also be eligible for our £400 Books Plus scheme.
Our STEM Scholarship is available to students applying for an undergraduate or postgraduate degree in one of these areas: Animal Sciences; Architecture, Building and Construction; Computing and Digital Technology; Engineering; Psychology; Sciences, Nutritional and Pharmaceutical. Find out more about eligibility and how to apply.
We are offering bursaries in the form of a £600 discount on tuition fees to students from the EU who commence a postgraduate degree in the 2018/19 academic year. The bursary is available to you in your first year at ARU.
If you meet all the eligibility criteria, you will automatically be awarded our EU Postgraduate Bursary. Find out more about eligibility.
Our Sport Scholarship is for talented athletes who are competing at regional, national or international level.
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.
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 many students up to £400 to help with study-related costs through our Books Plus scheme. You can use your Books Plus credit for learning materials such as textbooks, art supplies, laptops and tablets.
There's no need to apply for Books Plus. If you're eligible, you'll simply receive a Books Plus card when you start your course.
You may be able to apply for some additional grants, allowances and benefits to support you in your study. Some of these are income assessed.
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 2018-19 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.
If you're studying a postgraduate course and you already hold an equivalent qualification (for example, another Masters), your tuition fees won't vary from those listed on our course pages.
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're studying a Masters course that lasts longer than 12 months, you'll receive up to £5,000 of the postgraduate loan in your first year and the remainder in your second year. Our repayment plans can be adapted in these instances to suit your needs, but please discuss your case with our finance team.