The amount of loan required for studying in the UK depends on several factors, including your tuition fees, living expenses, and any additional costs like travel, books, or insurance. Here’s a breakdown to help you estimate the total amount you may need:

1. Tuition Fees

- Undergraduate Degrees: Generally range from £10,000 to £25,000 per year depending on the university and course.
- Postgraduate Degrees: Usually between £11,000 and £32,000 per year.

2. Living Expenses (UKVI Requirement)

As per the latest UKVI (UK Visas & Immigration) guidelines (effective 11 November 2025):

- London: £1,529 per month × 9 months = £13,761
- Outside London: £1,171 per month × 9 months = £10,539

> Note: You must show proof of these funds to get your student visa, regardless of your actual spending.

3. Other Costs

- Visa Application Fee: Approx. £490
- Immigration Health Surcharge: £776 per year
- Travel, books, insurance, etc.: Varies (typically £1,000–£2,000 per year)

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How Much Loan Should You Apply For?

Example Calculation (London, 1-year Master’s program):
- Tuition Fee: £18,000 (average)
- Living Expenses: £13,761 (as per UKVI)
- Other Expenses: £1,500
- Total Required: £33,261

Example (Outside London, 1-year Master’s program):
- Tuition Fee: £15,000 (average)
- Living Expenses: £10,539
- Other Expenses: £1,500
- Total Required: £27,039

> Most students apply for an education loan covering tuition fees + living expenses (as per UKVI) + other initial costs.

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Education Loan Coverage

Indian banks and NBFCs usually provide loans covering:
- Tuition fees (as per university offer letter)
- Living expenses (as per UKVI requirement)
- Travel expenses, insurance, and other approved costs

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Need Help with Loan Application?

Pollster Education provides complete guidance for student loans, including documentation, eligibility, and choosing the right lender.

You can visit us at:
8, Alankar Building, 1st Floor, Balaram Street, Above Bank of India, Grant Road (E), Mumbai
Call/WhatsApp: +919324480791
Email: info@pollstereducation.com

Would you like detailed guidance on loan eligibility or a list of banks offering education loans for the UK?