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Students UK > PGCE & Teacher Training > Student loans for PGCE students
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Student loans for PGCE students

Just like undergraduates, postgraduates studying for a PGCE can get a student loan. These vary depending on whether you're based in England, Wales or Scotland.

Does everyone have to get a loan?

No. If you do not need extra financial assistance, you don't have to apply for student loans. If you do apply, remember that they are not grants: you do have to pay it back, but not until you have finished your training and are earning over £15,000.

Is there an age limit for applying?

Student loans for tuition fees are available to all eligible trainee teachers and, if you live in England or Wales and are aged under 60, you can apply for a student loan for living costs. In Scotland you need to be aged under 50 or aged 50-54 and planning to work after your training.

What am I entitled to?

For tuition fee loans, you can apply for any amount up to the full cost of fees that you are charged. This loan is paid straight to your training provider, and it does not depend on income.

For living cost loans the amount you are entitled to depends on your income or your parents' or partner's income; whether you will be living at your parents' home, and if you will be studying in or outside London.

For the 2009/10 academic year, trainee teachers living away from home and training in London can get a maximum living costs loan of £6,643.

Trainee teachers living away from home and training outside London can get up to £4,745, whilst trainee teachers who live at home with their parents can get up to £3,673.

Entitlement is assessed each year, so you must remember to reapply every year of your course.

How do I get it?

Depending on where you live, your application will be processed either by your local authority or the Student Loans Company.

You can apply on paper or online. Once your application has been processed, you will get a letter telling you how much you will receive.

Payment is normally paid directly into your bank account in three installments - one at the beginning of each term (but remember that it may take a few days for the payment to reach your account, so make sure you have enough money for the first few days).

As it can be quite a long process, it is important to apply early. The deadline for new students is the end of June, so the sooner you can apply, the better.

Applications after June are still processed, but you may not get the first installment in time for the start of your course.

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