($6,450 per quarter for autumn/winter/spring/summer)
Note: The above figures reflect 2023-2024 rates. Actual amounts will be adjusted to the rates for 2024-25 and future years.
Tuition depends on the units taken by the student. In addition to tuition expenses, the cost of attendance of a PhD program involves living expenses such as rent, food, and transportation. The sum of tuition and non-tuition expenses constitutes the standard cost of attendance.
As you consider applying to graduate school, you can use the standard cost of attendance of your program —plus any additional expenses you might have—to create your financial plan, keeping in mind that tuition and non-tuition expenses of the standard cost of attendance are set by the university on an annual basis.
What you can do now to prepare financially if admitted
Once PhD students matriculate, the GSE has a variety of resources available to support academic work and unanticipated needs.
Students are eligible for up to three travel fellowships during their time at GSE if they are attending a conference or other professional development opportunity.
GSE Student Emergency Fund assists graduate students who experience a financial emergency or unanticipated expenses causing financial hardship. This fund is meant to support those who cannot reasonably resolve their financial difficulty through fellowships, loans, or personal resources.
GSE Dissertation Support Grants help advanced PhD students who require additional financial support for dissertation research activities. These grants, available at up to $6,500 total per student, are available to students who do not have access to other funds to cover their dissertation costs.
Knight-Hennessy Scholars (KHS) program aims to prepare the next generation of global leaders to address the increasingly complex challenges facing the world. The program selects up to 100 students each year and provides three years of financial support that is integrated into the GSE’s funding package for PhD students.
Vice Provost for Graduate Education awards various fellowships for doctoral students and maintains a list of other Stanford fellowships that students may consider.
Cardinal Care subsidy is an automatic university-wide subsidy program for graduate students. Vaden Health Center manages the university’s Cardinal Care student health insurance.
Stanford Financial Aid Office oversees a number of financial support programs specifically for graduate students with challenging financial situations.
Additional hourly work is available to students who wish to work for pay as "casual labor" at Stanford up to eight hours a week, provided work does not adversely affect the academic program. Requires approval from the student’s advisor and the Academic Services team.
External fellowships are integrated into the GSE’s funding package. There are many funding opportunities offered outside of Stanford. The GSE admissions team has compiled an external fellowships and grants document for you to explore, though you should plan to do your own research as well. International students can find additional sources of funding on the Institute of International Education’s (IIE) Funding for U.S. Study website and this publication .
Stanford is committed to providing benefits through the Yellow Ribbon Program of the Post-9/11 GI Bill® to students in degree-seeking programs. GSE students who qualify for Chapter 33 benefits at the 100% level may be eligible for additional funding through the Yellow Ribbon Program. Please note that for GSE students receiving tuition fellowship funding, the Yellow Ribbon match may reduce and in some cases replace institutional grants and scholarships. For instructions, visit the page, Activate VA Education Benefits at Stanford .
International students are guaranteed the same funding package as domestic students. However, there may be restrictions regarding the number of hours and opportunities to work during the summer months. To learn more, please contact the Bechtel International Center .
To meet immigration regulations, international students must show proof of adequate financial support to cover the length of time of their graduate program. While international students are not eligible for U.S. federal loan programs, they may qualify for private/alternative loans. Many lenders, however, require that a U.S. citizen or permanent resident co-sign the loan. You can find information and tools to help you choose private loan programs most frequently used by Stanford students here. A comprehensive list of private loan programs is available at FinAid.org .
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At Yale, you can earn your doctorate at our expense.
Our funding packages for Yale PhD students are among the most generous in the world. Every PhD student receives a fellowship for the full cost of tuition, a stipend for living expenses, and paid health coverage, though the details of your funding package will differ depending on your academic program. On average, doctoral students receive more than $500,000 in tuition fellowships, stipends, and health premium benefits over the course of their enrollment. Full PhD funding normally extends for a minimum of five years, unless your doctoral program is of shorter duration, e.g., Investigative Medicine, Law, Nursing, and Public Health.
The main categories of funding available to PhD students are detailed below. Our Programs & Policies handbook contains additional information about funding and fellowship opportunities available at the Graduate School, along with applicable policies.
If you have questions about your funding, you can ask your program registrar or DGS, Graduate Financial Aid, or Associate Dean Robert Harper-Mangels.
University Fellowships (UFs) are provided through the Graduate School and do not require teaching in Yale's Teaching Fellow Program. UFs are often used during the initial year(s) of your doctoral program to cover your stipend and tuition, when you are engaged in coursework and identifying an adviser.
For official policies governing University Fellowships, including information on deferring a UF, please see our Programs & Policies Bulletin .
In subsequent years and in most programs, your stipend will be funded by a teaching fellowship or a research assistantship.
Teaching Fellowships (TFs) are contingent on teaching Yale's Teaching Fellow Program (TFP). While you are on a TF, a portion of your stipend is compensation for teaching. The rest of your stipend will come from other sources, depending on your department or program. See the Teaching Fellow Funding page for more information.
The teaching portion of your stipend is subject to federal tax withholding, so you will notice a difference in your paycheck in teaching versus non-teaching semesters.
In lieu of teaching in the Teaching Fellow Program, PhD students in the humanities and social sciences may choose to undertake one of the available Professional Development Opportunities . These positions allow you to gain professional experience at a library, museum, or other office on campus relevant to your studies.
If you are in the natural sciences, your funding will likely come from training grants and faculty research grants at some point during your enrollment. In most programs, you may only join a research group that has active grant funding. Please consult with your DGS, if you have questions about this aspect of your funding package.
We strongly encourage you to compete for external fellowships. Winning an external award in a national competition, whether sponsored by a public or private agency, is a significant honor. External fellowships may be subject to our Combined Award policy. Please be sure to review our External Fellowships & Awards page to understand how external awards interact with university funding.
An external fellowship may also offer you added flexibility in your program.
You can search for external fellowships through the Yale Student Grants Database , other university search engines (e.g., UCLA ), and commercial sites .
You must notify the Graduate School of any external awards you receive.
For any questions and concerns regarding your combined award letter, please contact the Graduate School Financial Aid Office via email at [email protected]. Associate Dean Robert Harper-Mangels can also advise regarding our Combined Award policy.
Phd stipends.
An overview of information relevant to the PhD stipend.
The Graduate School provides Yale Health Basic Coverage at no cost to all students (Master's and PhD) who are enrolled at least half-time in degree-seeking programs. In addition, all PhD students registered at least half-time receive a Health Fellowship Award that covers the cost of Yale Health Hospitalization/Specialty Care Coverage.
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PhD students who are registered full-time in any year of study are eligible for the family support subsidy to assist with child-related expenses.
The Dean’s Emergency Fund enables terminal master’s and PhD students in the Graduate School of Arts and Sciences to continue making academic progress despite unanticipated, extreme financial hardships that cannot be resolved through fellowships, loans, or personal resources. The maximum award for eligible requests is $2,000.
https://gsa.yale.edu/ctf
By partnering with the MacMillan Center and the Graduate School of Arts and Sciences, graduate students with representatives in the Graduate Student Assembly are eligible for annual conference travel funding of up to $800.
If you are a PhD student traveling for dissertation research, the Graduate School provides a Travel Health Fellowship to cover the cost of required immunizations and prescription drugs at Yale Health.
Graduate Financial Aid Office
Office Address
A PhD loan is a form of UK Government loan made available to doctoral students residing in England or Wales. It is designed to help students fund their doctoral programme or equivalent degree, covering basic costs such as the tuition course fees and living costs.
The most common degrees they cover are:
Note: PhD Loans are formally known as Postgraduate Doctoral Loans, however, many postgraduate students commonly refer to Doctoral Loans as PhD Loans due to their primary use to fund PhDs.
There are several requirements you must meet to be an eligible student for a PhD loan, such as your residency status. The eligibility criteria are summarised below into two categories – those that make you eligible and those that make you ineligible for a PhD loan.
Note: A common misunderstanding amongst university students is that a Doctoral Loan can fund an MPhil degree. As an MPhil is a Master’s degree, it does not meet the ‘Doctoral or equivalent’ requirement for being eligible for a Doctoral Loan. Therefore, if you are considering undertaking an MPhil, you should instead be applying for a Postgraduate Master’s Loan. If more appropriate for your situation, you can find out more information about Postgraduate Loans here .
You must not:
There are several aspects of your PhD course that do not affect your eligibility to receiving Doctoral Loans. These are:
The amount of funding you can obtain isn’t means-tested. This means that it isn’t related to your financial background or household income and therefore you can qualify for the full amount regardless of your situation.
The maximum loan amount you can borrow falls into one of three categories:
You may apply for a Postgraduate Doctoral Loan in any year of study, however you may not receive the maximum amount if you apply after the first year of your PhD. For annual costs, you may receive:
Your loan payments will be spread out across all academic years of your course.
Example: If you undertake a full-time PhD over 5 years and apply for a loan amount of £25,000, you will receive £5,000 in each academic year.
Further to this, the allocation for each academic year will be paid in three even instalments, with each instalment paid at the start of a new term.
Example: Continuing with the above example, the £5,000 per each academic year would be paid in three instalments of £1,667.
Your first instalment will typically be paid immediately after your course start date. This is because your university will first need to confirm to Student Finance England (SFE) or Student Finance Wales that you’ve officially enrolled with them before the student loan can be released to you.
Repayment terms – You will need to start repaying your loan once you have completed your PhD and started earning an annual income over £21,000 .
Once both these conditions are met, you will start making your repayments at 6% of your income above £21,000 . This means that for the first £21,000 you earn, you won’t need to make any contributions towards your loan repayment, however, anything above £21,000 will be subject to a 6% deduction for repayment towards your student loan.
It’s worth noting that if you work for an employer after your PhD, your repayments will be automatically deducted from your salary and there isn’t anything you will directly need to do. However, if you decide to work for yourself as opposed for an employer, you will need to make the repayments yourself.
Like undergraduate loans taken for undergraduate degrees, a postgraduate Doctoral Loan is subject to interest, which will need to be paid on top of your original student loan value. The interest rate is the retail price index (RPI) plus 3%.
Example: The average UK RPI for 2019 was approximately 2.4%. This means that besides the mandatory 3% that is owed, the average interest rate on a Doctoral Loan in 2019 would have been 5.4%.
It’s worth noting that if you aren’t able to completely repay your postgraduate loan within 30 years from the date of your first payment, the remaining loan debt will be voided.
You can apply in one of two ways – either online , by setting up an account on Student Finance England’s website, or by post , by filling in a printable form on GOV.UK ‘s website. Click the respective below to be taken directly to their websites where you can find out more. Note that you will only have to apply once for Postgraduate Doctoral Loans; Student Finance England will contact you every year to confirm the amount you will receive.
Online Application – Student Finance England
Postal Application – GOV.UK
Note: While English residents and EU students who will study in England need to apply to Student Finance England, Welsh residents and EU students who will study in Wales will need to apply to Student Finance Wales .
The application deadline is based on when your doctoral programme is due to start; you should apply within 9 months of this start date.
Finding a PhD has never been this easy – search for a PhD by keyword, location or academic area of interest.
A PhD Loan is only one of several sources of funding to support your PhD studies and living expenses. The other postgraduate funding options available to you are:
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Phd funding from national research councils, phd funding from universities, living costs and opportunity costs, career prospects with a phd .
By Elke Schwarz
Professor Daniel Drezner of Tufts University once quipped: “Should you get a PhD? Only if you are crazy or crazy about your subject.” If you fit one of those two categories, you’ll no doubt be keen to find out how to finance your mad endeavor. Here’s a quick guide to getting PhD funding …
First things first, how much does a PhD cost ? Here, the answer varies considerably by country. In the UK, being a self-funded PhD student can be an expensive undertaking, with an annual tuition bill of approximately £3,000 to £6,000 (about US$3,800-7,670) for domestic students and up to £18,000 ($23,000) for international students for the first three years.
In the US, the price tag for a PhD is even higher, ranging from US$28,000 to US$40,000 per year. In Germany, on the other hand, PhD students face no tuition fees at all, aside from a nominal semester contribution of €250 (~US$320).
Before some of these high figures deter you, be reassured that there are many PhD funding opportunities available; few PhD students are self-funded.
In the UK, PhD funding is provided via seven research councils, each covering a specific academic sector. Across Europe, such funding is offered by the European Research Council . Both the US and Canada have the equivalent in their National Research Councils, which give financial support to students either individually, via scholarships, or for funded research projects, via a research group or department.
Most universities provide substantial scholarships, studentships and other PhD funding opportunities. These schemes typically cover the cost for a good proportion of the annual tuition fees, if not more. Universities often also provide some funding for doctoral students to cover the costs of field trips and conference attendance.
A further means to fund a PhD is by obtaining a PhD position, sometimes also called PhD studentships or assistantships. These are essentially jobs tied to the PhD program, involving work in teaching, research or both. This is an ideal way to support your research, while being involved in a larger, often team-based, funded research project and gaining work experience.
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Rayyan Sultan Said Al-Harthy University of Nizwa student
"An MBA at EAHM is superior due to the nature of the Academy’s academic and industry strength. The subject matter, the curriculum structure and the access to opportunities within the hospitality industry is remarkable."
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Other costs to be considered when calculating PhD funding are living costs and opportunity costs. Living expenses will of course vary significantly by country and city. Studying in Paris (France) or Oslo (Norway) will likely incur a substantially higher annual cost than completing a PhD in Bangkok (Thailand), for example.
In addition, opportunity costs can be high. Unlike a master’s degree, which usually takes just one or two years full-time, a PhD demands a markedly higher time investment – most programs require an absolute minimum of three years, and some require five to six, depending on the country.
During this time, full-time employment is possible only if it is in relation to the PhD program itself. Some may opt to continue working and attempt to complete a PhD part-time – but this has proven to be exceptionally challenging; some studies suggest that drop-out rates for part-time PhDs are as high as 66 percent.
But while this might all sound daunting, there are considerable benefits and advantages to getting a PhD. In other words: the prospects for careers with a PhD are good. While entry-level salaries may not be considerably higher compared to those for master’s graduates, those with a PhD do have better long-term prospects for faster career- and pay-scale advancements. And a growing number of PhD students consider a post-doc life outside of academia.
There has been a clear trend in non-academic employers (such as consultancies, think tanks, media and others) increasingly valuing not only the specialist knowledge of PhD graduates but also their maturity and soft skills. Attributes valued by PhD employers across a wide range of industries include diligence, research abilities, focus, discipline, presentation skills and the demonstrated ability to work under pressure and to a deadline.
For all those aspiring doctoral students who aim to have a quick return on their investment, a word of caution: the benefits of a PhD are not to be had in the fast lane. The value of a PhD qualification is to be found in the long-term benefits it brings, financially, professionally and intellectually. It is a labor of love, and, as we know there is always some madness in love, but for those with realistic expectations and the discipline and tenacity to complete this highest of academic degrees, it is a tremendously rewarding experience, in more ways than one.
This article was originally published in November 2013. It was last updated in December 2018.
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PhD loans are available in 2024/25 to help Doctoral students living in England or Wales pay for their course fees and living expenses
With these government-backed postgraduate Doctoral loans, you can borrow any amount up to £28,673 if your course started between 1 August 2023 and 31 July 2024, or £29,390 if it starts on or after 1 August 2024.
PhD loans are not means-tested, so you can apply for the full amount regardless of your financial background. Also, the loan can be used however you like - to cover fees, other study-related costs or to help with your living expenses.
If you have a disability, you may be entitled to additional support in the form of Disabled Students' Allowances .
You can't get the loan if you began your PhD before the 2022/23 academic year.
To discover whether you qualify for PhD funding, see GOV.UK - Doctoral loan eligibility .
Most full and part-time PhD programmes, Professional Doctorates and PhDs 'upgraded' from Master of Philosophy (MPhil) are eligible, provided they are hosted by a UK university.
Your programme must last for at least three years and no longer than eight years. There are no restrictions on what subject you can study and your PhD proposal will not be assessed as part of your loan application.
PhDs by publication are not eligible because they do not involve an active period of studying. You also can't get a PhD loan for a research Masters degree such as an MRes or a standalone MPhil - for these you should apply for a postgraduate loan instead.
If you're studying for a PhD within a Doctoral Training Partnership (DTP), Doctoral Training Centre (DTC) or Centre for Doctoral Training (CDT), your eligibility depends on whether your research is funded by a Research Council studentship. If it is, you won't be able to get a loan.
Visit GOV.UK - Apply for a Doctoral loan for full details of how to apply for PhD funding via Student Finance England.
The deadline for Doctoral loan applications is nine months after the first day of the final academic year of your PhD - meaning you can still apply after you have started studying.
Your loan will be paid in three instalments (33%, 33% and 34%) per academic year directly into your bank account by the Student Loans Company (SLC). It will be spread evenly across your studies.
You'll stop receiving your loan if you withdraw from your PhD or transfer to an ineligible programme, but you'll still be liable to repay what you have borrowed.
Repayments will start once you have completed your PhD and you're earning at least £21,000 per year (£1,750 per month before tax and other deductions). You'll pay at a rate of 6% of your income over this threshold.
If you're employed, your repayments will be taken out of your salary automatically on a monthly basis. If you're self-employed, HM Revenue and Customs (HMRC) will calculate how much you must repay on completion of your annual self-assessment tax return.
You'll be charged interest on your loan from the date you receive the first instalment from the SLC. This is calculated at the retail price index (RPI) +3%, meaning that that the interest accrued will typically be the annually reviewed RPI percentage, plus an additional 3%. The interest rate currently stands at 7.8%.
Any outstanding balance will be written off 30 years after your loan first becomes due for repayment.
Be aware that if you have previously taken out a postgraduate loan to fund Masters-level study, this will be combined with your PhD loan. You'll therefore repay a single debt at a rate of 6% of your income over £21,000.
However, debt from your undergraduate student loan is paid concurrently rather than combined. This means you may find yourself repaying up to 15% of your income - 9% for your undergraduate loan and 6% for your postgraduate/PhD loan.
Remember that PhD loans cannot be combined with other public funding such as Research Council studentships or NHS funding.
In 2024/25, the Welsh government has confirmed that eligible students ordinarily resident in Wales are able to borrow up to £28,655 to study for a full or part-time PhD. As with the postgraduate Doctoral loan scheme for residents in England, it isn't means-tested.
If your course started in 2023/24, you can apply for a loan of up to £28,395.
Explore how and when to apply by visiting Student Finance Wales .
PhD loans are not currently available in Scotland and Northern Ireland, but there are other options you can pursue in order to fund your education.
For instance, organisations such as Student Information Scotland and the Department for the Economy (DfE) provide details of the PhD scholarships available to residents of Scotland and Northern Ireland respectively.
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New York Institute of Technology offers federal grants, loans, and academic scholarships and grants to graduate students.
We review applications for admission to New York Tech automatically for the scholarships and financial aid listed below.
To help you determine your costs. Graduate Tuition Calculator.
Discover the full range of scholarships, grants, loans, and financial aid assistance available to our graduate students.
Federal financial aid is available to U.S. citizens and U.S. permanent residents in the form of federal loans. Domestic graduate students who wish to apply for federal loans must fill out the Free Application for Federal Student Aid (FAFSA) .
The Federal College Work Study Program provides part-time employment to assist eligible enrolled students in paying for educational expenses. It is based on economic need. If you are not eligible for Federal College Work Study, you can also become a student aid. For more information, please contact Student Employment.
All graduate students must maintain a 3.3 cumulative GPA to renew their scholarship. Recipients of the New York Tech Graduate Alumni Award must maintain a 3.0 GPA to renew this award.
In order be eligible, you must:
Scholarships and grants are renewable each semester, as long you meet the scholarship requirements. They are for tuition only, divided equally between fall and spring semesters. Institutional aid is credited to a student’s account after the end of the add/drop period. They are not applicable to summer session attendance.
Scholarships are determined by a variety of factors. The minimum academic requirements for each award are listed below. The charts are based on your year of entry and include the minimum GPA you need to maintain to renew your scholarship each year.
Graduate assistantships are offered to qualified students enrolled in our graduate degree programs providing partial or total tuition remission. Depending on your skills and experience and the needs of a specific program, graduate assistants may be asked to work as a Graduate Assistant (GA), Research Assistant (RA), or Teaching Assistant (TA). Learn more .
This award recognizes the talents of entering graduate students who have demonstrated a high level of academic achievement. It consists of up to $3,000 per-year tuition-only credit for a maximum of three years (six semesters) of continuous full-time enrollment (nine credits). Proration may be available for applicants taking less than nine graduate level credits per semester, but you must register for at least three graduate level credits per semester for this proration. In addition, this scholarship applies only to fall and spring semesters and is not applicable to graduate courses that are offered at a discounted tuition rate.
Awards are renewable each semester if you have a FAFSA on file, meet Satisfactory Academic Progress (SAP) criteria, and maintain a 3.3 cumulative GPA. This award applies to fall and spring semesters only.
This award is offered to students who hold a New York Institute of Technology bachelor’s or master’s degree only. The award is NOT applicable to students in dual degree programs with the College of Osteopathic Medicine.
To be considered, all students must complete an application each academic year. This award will be allotted on an annual basis for a maximum of three (3) years or six semesters depending on the student meeting all of the following criteria required each semester.
This scholarship is awarded only to students who are matriculated in the B.S. in Life Sciences dual degree programs in occupational therapy, physical therapy, and physician assistant studies. This award is not applicable to students enrolled in the combined Life Sciences/Doctor of Osteopathic Medicine degree program. The award bridges the gap between your undergraduate phase and your graduate or professional phase.
This one-time scholarship provides up to $3,975 for the first year (including summer if applicable) of the professional phase of the combined BS/MS.OT, BS/MS.PA and BS/DPT programs for the completion of your undergraduate degree program. Full-time attendance is required.
This award is for students who work for the Office of the Mayor of New York. It consists of $3,000 per year for up to three years or six semesters. This scholarship cannot be combined with the New York Tech Graduate Scholar Award. Students must have a bachelor’s degree and be admitted to a New York Tech graduate program.
At the graduate level, financial aid is largely decentralized, as available funds are managed directly by departments.
Funding is usually available from each individual department to support doctoral students for the duration of their time at MIT. Typically, at the time of admission, doctoral students receive offers of funding in the form of research and teaching appointments or fellowships, which cover the cost of full tuition and health insurance, and provide a salary or stipend. Funding for master-level students is more limited, and depends greatly on the program of study , so students may be required to seek their own sources of funding or utilize student loans .
Graduate funding may take the form of research, instructor, and teaching assistantships, fellowships, traineeships, scholarships, grants, and/or other forms of employment , such as working as a resident advisor in an undergraduate residence.
Please note: Applicants are considered for funding after they have been accepted into a graduate program. There is no separate application for financial aid prior to admission for any program of study.
MIT provides assistance to graduate students experiencing financial hardships , has established new ranges to stipends and changes to health insurance rates and plan benefits, and offers additional health and well-being support resources .
Hardship funds are tax-reportable income and may reduce eligibility for educational loans. If you want to explore how a fund of this type would impact you, please contact us to discuss your options.
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How to apply.
You can apply now for courses that start or started in the following academic years:
Check whether you’re eligible before you apply.
You only need to apply once for the Postgraduate Doctoral Loan. Student Finance England will write to you in the summer to tell you how much you’ll get in the next academic year.
You will not be eligible for an Adult Dependants’ Grant, a Childcare Grant or Parents’ Learning Allowance from Student Finance if you’re studying a doctoral course.
If you’ve taken out a loan with Student Finance England before, use your account to apply .
If you do not already have one, set up an account .
If you cannot apply online, apply by post – the address is on the form.
Fill in the ‘Postgraduate Doctoral Loan application form - 2024 to 2025’
Read the ‘Terms and conditions - 2024 to 2025’
Fill in the ‘Postgraduate Doctoral Loan application form - 2023 to 2024’
Read the ‘Terms and conditions - 2023 to 2024’
Contact Student Finance England Postgraduate Loan Team if you cannot apply online.
Read the student finance privacy notice to find out how the information you provide will be used.
The deadline for applying depends on when you start your course.
You need to apply within 9 months of the first day of the last academic year of the course.
The academic year is a period of 12 months.
Course start date between | First day of academic year |
---|---|
1 August and 31 December | 1 September |
1 January and 31 March | 1 January |
1 April and 30 June | 1 April |
1 July and 31 July | 1 July |
If your course started on 17 October 2022 and you’re studying for 3 years, you need to apply before 31 May 2025.
Include valid UK passport details in your application.
Use the ‘UK passport details’ form if you need to send the details after your application. Do not send the passport itself.
If you do not have a UK passport (or it has expired), send your original birth or adoption certificate to Student Finance England.
Include your name and address. You should also include your customer reference number if you have one. This is an 11-digit number. You can find it on letters or emails you’ve had from Student Finance England.
Fill in the ‘UK passport details form - 2024 to 2025’
Fill in the ‘UK passport details form - 2023 to 2024’
If you have settled or pre-settled status under the EU Settlement Scheme, you only need to provide your share code to prove your immigration status and identity . You do not need to send your passport. Someone will contact you to ask for your share code after you apply.
If you do not have settled or pre-settled status under the EU Settlement Scheme, send your non-UK passport or identity card the first time you apply.
You should use the evidence return form for extra information to support your application, for example evidence of your residency status.
You may also be asked to complete the UK employment status form.
Fill in the ‘Document return form - 2024 to 2025’
Fill in the ‘UK employment form - 2024 to 2025’
Fill in the ‘Document return form - 2023 to 2024’
Fill in the ‘UK employment form - 2023 to 2024’
Use your online account to change your personal details, for example bank or contact details. Contact Student Finance England directly if you do not have an account.
Use the loan request form to change the amount you’ve applied for - you cannot do this online.
Courses that start in the 2024 to 2025 academic year:
Fill in the ‘Loan request form - 2024 to 2025’
Courses that started in the 2023 to 2024 academic year:
Fill in the ‘Loan request form - 2023 to 2024’
Use the change of circumstances form if you need to change any other details, for example your university or course. You cannot do this online.
Fill in the ‘Change of circumstances form - 2024 to 2025’
Fill in the ‘Change of circumstances form - 2023 to 2024’
Contact Student Finance England Postgraduate Loan Team and your institution straight away if you need to withdraw from your course. It may affect your future payments and eligibility for funding.
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With tuition reimbursement programs, companies help their workers earn a degree or finish one they already started for free—or for a lower cost than they would pay without the reimbursement benefit. Current law lets employers use tuition reimbursement programs to cover student loan bills, but only through 2025.
Learn more about how tuition reimbursement can cover student loan payments and other details on how these programs work below.
Tuition reimbursement programs are offered by employers as part of their package of benefits. The requirements for these programs tend to vary by employer. For example, a worker may need to be employed by a firm for a number of years to qualify, or they may have to agree to a certain length of employment after they graduate from college.
Current law allows tax-free benefits under tuition assistance programs in amounts up to $5,250 per employee each year. This means workers who take advantage of this benefit can receive up to $5,250 per year in tuition reimbursement without having to count amounts received in their taxable income. However, tuition reimbursement over that amount is considered taxable income.
While these programs are typically limited to college tuition, fees, and other expenses, employers can now put the funds toward their employees’ student loan principal and interest payments through Dec. 31, 2025. This benefit is tax-free for the employee, as if the money was being used for traditional tuition reimbursement, and employers receive tax benefits on their end as well.
Tuition reimbursement programs help employees learn new skills and excel in their careers with higher education. After all, these programs can provide workers with the funds they need to finish a college degree or pursue an MBA or other graduate-level degree. The Internal Revenue Service (IRS) also notes that, in a tight labor market, employers who offer this benefit may get a leg up when it comes to attracting and retaining highly qualified employees .
These programs can also help workers borrow less for college , thus lowering the amount of student loan interest they’ll pay over the life of their debt.
Through the end of 2025, employers can direct up to $5,250 toward each of their workers’ student loan debt payments as part of their compensation.
According to the IRS, tuition reimbursement programs offered through employers provide funding for typical educational expenses like college tuition, fees, books, equipment, and supplies. However, employers can also use these programs to pay their employees’ student loans through the end of 2025. Note that, in either case, the amount of tax-free benefits employers can provide is limited to $5,250 per employee, per year.
Some employers require workers to remain employed at the company for a certain period of time as a condition of tuition reimbursement. If an employee leaves before they agreed to, they’re required to pay back the benefit amount received.
Getting reimbursement for college tuition typically doesn’t disqualify you from receiving other types of financial aid for college. You can apply for aid as you normally would and receive scholarships, grants, and access to federal student loans . Tuition reimbursement programs pay you back for tuition, fees, and other qualified higher education expenses after the fact. Some programs will send the payments directly to your college or university instead.
Students who plan to take advantage of tuition reimbursement programs should still fill out the Free Application for Federal Student Aid (FAFSA) to find out what other types of aid they may be eligible for.
Companies known for paying college tuition include major corporations like Amazon, Boeing, Chipotle, Discover, and Disney. Some of these companies offer tuition reimbursement programs, whereas others like Starbucks offer fully funded degree programs for their employees.
Tuition reimbursement programs can be valuable for both employers and employees, though only for amounts of up to $5,250 per employee each year. They help companies attract and retain talented workers, all while helping employees reach their full potential through higher education.
Furthermore, these programs can be used to repay student loan principal and interest through the end of 2025. This benefit can be useful for employees who don't need to pursue higher education any longer but still have lingering student debt to pay off.
Internal Revenue Service. " Reminder: Educational Assistance Programs Can Help Pay Workers’ Student Loans .”
Internal Revenue Service. " Reminder to Employers and Employees: Educational Assistance Programs Can Be Used to Help Pay Workers’ Student Loans; Free IRS Webinar Will Offer Details ."
Federal Student Aid. " Apply for Financial Aid ."
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The latest private student loan interest rates from the Credible marketplace, updated weekly. ( iStock )
During the week of Aug. 19, 2024, average private student loan rates increased for borrowers with credit scores of 720 or higher who used the Credible marketplace to take out 5-year variable-rate loans and 10-year fixed-rate loans.
Through Credible, you can compare private student loan rates from multiple lenders.
For 10-year fixed private student loans, interest rates rose by 0.26 percentage points, while 5-year variable student loan interest spiked by 0.68 percentage points.
Borrowers with good credit may find a lower rate with a private student loan than with some federal loans. For the 2024-25 academic school year, federal student loan rates will range from 6.53% to 9.08%. Private student loan rates for borrowers with good-to-excellent credit can be lower right now.
Because federal loans come with certain benefits, like access to income-driven repayment plans, you should always exhaust federal student loan options first before turning to private student loans to cover any funding gaps. Private lenders such as banks, credit unions, and online lenders provide private student loans. You can use private loans to pay for education costs and living expenses, which might not be covered by your federal education loans.
Interest rates and terms on private student loans can vary depending on your financial situation, credit history, and the lender you choose.
Congress sets federal student loan interest rates each year. These fixed interest rates depend on the type of federal loan you take out, your dependency status and your year in school.
Private student loan interest rates can be fixed or variable and depend on your credit, repayment term and other factors. As a general rule, the better your credit score, the lower your interest rate is likely to be.
You can compare rates from multiple student loan lenders using Credible.
An interest rate is a percentage of the loan periodically tacked onto your balance — essentially the cost of borrowing money. Interest is one way lenders can make money from loans. Your monthly payment often pays interest first, with the rest going to the amount you initially borrowed (the principal).
Getting a low interest rate could help you save money over the life of the loan and pay off your debt faster.
Here’s the difference between a fixed and variable rate:
Comparison shopping for private student loan rates is easy when you use Credible.
Using a student loan interest calculator will help you estimate your monthly payments and the total amount you’ll owe over the life of your federal or private student loans.
Once you enter your information, you’ll be able to see what your estimated monthly payment will be, the total you’ll pay in interest over the life of the loan and the total amount you’ll pay back.
Credible is a multi-lender marketplace that empowers consumers to discover financial products that are the best fit for their unique circumstances. Credible’s integrations with leading lenders and credit bureaus allow consumers to quickly compare accurate, personalized loan options – without putting their personal information at risk or affecting their credit score. The Credible marketplace provides an unrivaled customer experience, as reflected by over 7,700 positive Trustpilot reviews and a TrustScore of 4.8/5.
Hubert H. Humphrey School of Public Affairs
Passion and ability are two attributes ascribed to Michele Girard, an alum of the Humphrey School of Public Affairs who earned her Master of Development Practice (MDP) in 2020.
Girard has been working with nonprofit organizations for a decade—helping them to fund, design, and evaluate projects and initiatives. She got started when she was an undergraduate, continued through her time at the Humphrey School, and now is carrying on as an entrepreneur with her own consulting firm.
Girard says her passion for development work began when she was 20 years old, when she became involved in a project to help a small city in Haiti develop a reliable and convenient water supply for its residents.
Her ability was recognized when the second phase of that project, to develop a sustainable funding mechanism to pay for maintenance of the water system, won a student award from the University of Minnesota.
After completing her master’s degree at the Humphrey School in 2020, Girard was hired as development director for Little Earth in Minneapolis, the only indigenous-preference Section 8 housing community in the United States. Fresh out of grad school, she was put in charge of the financing, program design, and evaluation for that organization.
It was during the pandemic, and Girard worked remotely from Colorado, where she has family. She was able to take on individual projects outside of work hours.
“So I started having organizations asking me to do their financing, or their project design, or evaluation. For two years I was working full time and then managing three or four clients on the side,” she says. “At that point—maybe this was sheer ignorance—I said, OK, if I don’t try to do this on my own, I’m never going to do it. So I might as well try.”
Girard started her own consulting firm, Ivanhoe Development , in 2022. In just two years, she has built a staff of five people who are working out of Colorado, Virginia, and Minnesota (fellow Humphrey School alumna An Garagiola, MPP ‘23).
Girard says her company takes "a nontraditional approach" to development.
Girard explains that in the development field, an organization or nonprofit traditionally looks for a grant writer to assist in applying for funding to support a project or initiative. If the funding comes through, the grant writer’s job is done; they don’t stay on to work with the organization on the design, management, or evaluation aspects of the project.
“In that traditional model, the client should be happy,” says Girard. “You get the check and you can do whatever you want. But that just furthers the transactional cycle within nonprofit finance. I’m not trying to say anything bad about that, but we think—and know—that you should be doing more. So we say ‘no’ to that model.”
Instead, Girard’s approach is to ask their clients what they need beyond funding, in terms of designing a project and evaluating its effectiveness to ensure success—for their organization and for the larger community.
“We think the standard needs to be continuous accountability to community members, and we’re going to do that through the mechanism of finance,” she says. “We’re saying to them, ‘You have a societal obligation to stewardship. … How are you doing with community involvement? How are you ensuring that you’re doing equitable work? Are you evaluating your programs in a qualitative way to make sure those things are in alignment?”
Girard freely acknowledges that this holistic approach will not appeal to some potential clients.
“We truly didn’t know if this model was going to work and if clients would buy into it,” Girard says, particularly because there are very few consultants that follow this same approach.
But Ivanhoe must be doing something right. Requests keep coming in, Girard says, and they try to limit their workload to 10 clients at any given time. They range from small nonprofits to large statewide organizations.
Minnesota clients include a large statewide nonprofit, an elder advocacy organization, and a Minneapolis-based affordable housing agency that recently received a $10 million gift from billionaire philanthropist MacKenzie Scott.
Back when she was in school, Girard credited the Humphrey School with creating an environment where she and other students felt encouraged to pursue ambitious goals.
“Having professors telling you that you can go out into the world and [have an impact]—if I had been in a less supportive environment, I wouldn’t have had the confidence to do this. I think the Humphrey School does a great job of preparing students to do this type of work.”
Girard still feels that way, which fuels her desire to give back. She maintains a strong relationship with the Humphrey School, particularly faculty members David Wilsey and Angie Fertig . She’s spoken to students in some of their classes, and wants to establish an “intern pipeline” from the School to her company.
“Michele is so generous with her time, extending many invitations to host interns and to mentor students formally and informally,” says Wilsey, the director of the MDP program. “I’ve always appreciated her frank and well-considered advice to current students on what matters most along the path from matriculation to career building.”
Fertig concurs, calling Girard an “amazing role model” for current Humphrey School students.
“I am especially proud of how she uses the skills she learned at the Humphrey School to advance the common good in the world and help community organizations make change,” Fertig says.
While Girard is happy that the Humphrey School prepared her well for the program work she’s doing, she says she now needs some training in how to run a business. In January, she’ll begin an MBA program at the University of Chicago's Booth School of Business.
Girard is about to bring on another employee, and is focused on how to manage the growth of her firm.
“I’m just trying to live by my two rules for the company: The first is to hire people that are way smarter than me, and the second is to not be afraid to fail. So far that’s worked out.”
300G Humphrey School 301 19th Avenue South Minneapolis , MN 55455 United States
Everyone wants a job at Goldman Sachs. Including you. But how do you stand out?
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If you want to work for Goldman Sachs you will definitely have to stand out. The bank as a whole has an acceptance rate for job applicants of around 0.33% . Its internships have an acceptance rate of 0.8% - 315,000 people applied to just 2,500 or so roles. And the toughest parts of any investment bank to get into – the M&A or capital markets teams – are even more picky.
If you want to get in, you have to stand out. Here’s how to do that at “the” Goldman Sachs .
Writing the ideal resume is both a work of art and a science , and there’s no need to repeat anything that you probably know already. The particular demands of Goldman Sachs recruiters from a resume/CV is something we’ve written about here .
In a nutshell – your resume should be very much tailored to your application, it should be tightly written (and, by extension, deeply relevant), and ideally it should contain bullet points. Goldman likes bullet points, apparently. Within reason, of course: Vicki Tung, Goldman’s global head of talent acquisition, told Insider last year that “resume padding” should be avoided.
Candidates with multiple, minor (or short timeframe) accomplishments can be seen as a red flag. A discerning Goldman recruiter could very possibly see these as activities undertaken for CV points instead of out of pure love of… Finance society volunteering, or whatever else. Quality over quantity, Tung says.
Cover letters are a more delicate art. A lot of tech companies are discarding them, but they’re still popular in banking – and what’s more, Goldman recruiters love them. They love cover letters so much that they even have their own, special format for them. Long story short, it needs to be circa 300 words long, to explain your interest in the role, in the firm, your suitability, and take a few points from your CV to substantiate why exactly. This is also the best place to namedrop if you've done some/any networking.
Oh, and yes, you can even plug your CV into ChatGPT and give it the Goldman Sachs parameters – but fair warning, it probably won’t be good enough.
Standing out on your CV/resume is as important as during your interview (more on that later). Ex-Goldman banker Will McTighe says that applications to the firm are often “very generic”, on account of the impeccable academics and similar finance-society template of every candidate. “Most people have quirks,” he says. You need to show yours.
“Demonstrate how interesting you are,” advises McTighe. That means doing “something a bit crazy that people think is a bit nuts.” His own quirks include ultra-marathoning from Oxford to London, despite having never run a marathon before, as well as learning Mandarin, ski instruction, and various sports.
Being interesting might even overshadow your academic background – a former Goldman recruiter we spoke to a few years ago noted that an English Literature student wrote such a brilliant and “off the wall” cover letter that they brought him in for an interview. Why? Because he showed that he was imaginative, innovative, and interesting.
McTighe did specify, however, that not all quirks have to be physical - Maybe consider birdwatching. What is sure, however, is that you shouldn’t hide what differentiates you – it should be as much on your resume as your academic record is.
Assuming you meet the tight the academic requirements of your application, your first step in the application process is then a HireVue interview. It’s straightforward, and we spoke to HireVue ourselves to write a guide for you. Goldman’s isn’t especially different – but we do have a list of particular questions that the bank has used here .
If you pass, you’ll be invited to a super day – a marathon of interviews, extending across several hours. You should get a response from the bank about your success within 48 hours, Tung says.
Okay, so your resume held up, you listened to our HireVue advice – now you’ve got interviews.
Most questions will be situational-behavioral. "We will ask students how they handle various scenarios where integrity may be in question,” Tung told Business Insider, “and depending on their answer, that's where we determine whether or not somebody's going to move forward in our process or not."
Tung also suggests you “think in threes”. What that means is to, essentially, quantify yourself – you contributed X, got Y result, leading to Z. Not only that format, but that philosophy. Embed numerical changes in your thought processes. Think S.T.A.R. technique .
Her last suggestion is self-evident; be well-informed. Not just on current affairs, but on the banking industry and Goldman Sachs itself. "To stand apart is to know what you're talking about and know that you want us as much as we want you," she said. This means that “doing your research is critical."
You may also want to show grit. In a recent episode of The David Rubenstein show , Goldman’s CEO, David Solomon, put one virtue above all others for applicants: tenacity. “One of the things we look for is people that are smart,” he said, “but [also] people that want to work hard, people that believe in excellence.” That means “people that have proven that they’ve got grit and dedication and an ability to succeed.” And that includes “being able to dust themselves off and keep going.”
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A Postgraduate Doctoral Loan can help with course fees and living costs while you study a postgraduate doctoral course, such as a PhD. There's different funding if you normally live in Wales ...
If your heart is set on earning a Doctor of Philosophy (Ph.D.) degree, you'll join an elite club. In the United States, only 4.9 million people—about 2% of adults—hold a Ph.D. or other ...
Your Guide to Ph.D. Student Loans and Paying for Your Doctorate Degree. Students planning to stay in school to get their Ph.D. may end up adding to their student loan debt. Graduate student loans are becoming more prevalent. A 2019 Department of Education report shows that the share of federal loans going to graduate students rose from 32% to ...
Why it's one of the best. Earnest is a popular online lender offering private student loans and the ability to refinance student loans. The Earnest Graduate School Loan covers Ph.D. programs in all states except Nevada. These can help cover between $1,000 and up to 100% of your school-certified educational costs.
The most recent data from the NCES shows the following statistics for the 2019-2020 award year: 74% of graduate students received some form of financial aid. 43% of graduate students received ...
For courses that started between 1st August 2022 and 31st July 2023, you can get up to £27,892. And for students from Wales, here's how much you can get for the duration of your course, depending on when you start the doctoral degree: If your course starts on or after 1st August 2024, you can get up to £28,655.
Price factors. Doctoral students in pharmacy can expect to pay $5,100-$50,000 per year in tuition. For students looking for a program that costs about the average amount, the University of California San Francisco offers a PharmD program at $11,442 per year, though additional fees can double this amount.
To qualify for a Postgraduate Doctoral Loan for distance learning, you'll need to be living in England on the first day of the first academic year of your course. You'll also need to live in ...
PhD students are paid year round including over the breaks while they are registered full-time (excluding TGS 512). Please note that the funding quarters do not exactly match the academic quarters.. For example, the first stipend payment for new students is for the period of 9/1 - 9/30 even though classes do not start until late September.
You can borrow a PhD loan of up to £29,390 from Student Finance England for 2024-25 study or £28,655 from Student Finance Wales. All of the money is paid directly to your bank account.You can use it for PhD fees, research expenses, maintenance or other costs. Doctoral loans aren't based on household income or means tested, so the amount you can borrow isn't affected by your income or savings.
Graduate Students must file the FAFSA to determine eligibility for the Federal Direct Unsubsidized Student Loan and Graduate PLUS loan programs. These loans have a loan origination fee and accrue interest from the time of disbursement. The Graduate PLUS loan also requires passing a credit check and has a higher interest rate and loan ...
Step 1: Submit your Free Application for Federal Student Aid (FAFSA) for the upcoming year. Completing a FAFSA allows you to see what federal financial aid you qualify for. This includes work study and federal loans. Alana says having your FAFSA completed before speaking to a university financing coach streamlines the process.
If you're starting a master's degree, you could get a Postgraduate Master's Loan to help with course fees and living costs. You can get up to: £12,471 if your course starts on or after 1 ...
If you borrowed a loan for your undergraduate course that started before 1 September 2012, you'll repay 9% of your income above £19,390 towards that loan, and 6% of your income above £21,000 towards your Postgraduate Doctoral Loan. The table below shows how much you'll repay towards your loans. Yearly income before tax.
A doctoral degree is a significant investment in your future, and financing your education is a critical factor to consider. While the funding we provide covers the basic standard cost of attendance determined by Stanford University for a modest life as a graduate student, accepting an offer from a doctoral program has significant personal, professional, and financial implications. Below you ...
The Dean's Emergency Fund enables terminal master's and PhD students in the Graduate School of Arts and Sciences to continue making academic progress despite unanticipated, extreme financial hardships that cannot be resolved through fellowships, loans, or personal resources. The maximum award for eligible requests is $2,000.
A PhD loan is a form of UK Government loan made available to doctoral students residing in England or Wales. It is designed to help students fund their doctoral programme or equivalent degree, covering basic costs such as the tuition course fees and living costs. The most common degrees they cover are: PhD - Doctor of Philosophy
These schemes typically cover the cost for a good proportion of the annual tuition fees, if not more. Universities often also provide some funding for doctoral students to cover the costs of field trips and conference attendance. A further means to fund a PhD is by obtaining a PhD position, sometimes also called PhD studentships or assistantships.
Universal Financial Support. All admitted students receive a fellowship that covers tuition, health insurance, and fees, as well as a generous living stipend. The 2024-2025 stipend is $54,750, allocated over 12 months. HBS students have guaranteed funding for up to five years with the possibility of a sixth-year extension.
PhD loans in Wales. In 2024/25, the Welsh government has confirmed that eligible students ordinarily resident in Wales are able to borrow up to £28,655 to study for a full or part-time PhD. As with the postgraduate Doctoral loan scheme for residents in England, it isn't means-tested. If your course started in 2023/24, you can apply for a loan ...
Private student loans: Federal student loans: Interest rate: Private student loans may have variable or fixed interest rates, which can be higher or lower than federal loan rates depending on your ...
Federal financial aid is available to U.S. citizens and U.S. permanent residents in the form of federal loans. Domestic graduate students who wish to apply for federal loans must fill out the Free Application for Federal Student Aid (FAFSA). Unsubsidized Direct Stafford Loan: Non-need-based, low-interest, fixed-rate loan available to undergraduate, graduate, or professional degree candidates ...
Funding for master-level students is more limited, and depends greatly on the program of study, so students may be required to seek their own sources of funding or utilize student loans. Graduate funding may take the form of research, instructor, and teaching assistantships, fellowships, traineeships, scholarships, grants, and/or other forms of ...
How to apply. You can apply now for courses that start or started in the following academic years: 2024 to 2025. 2023 to 2024. Check whether you're eligible before you apply. You only need to ...
That's right, the doctoral loan is £26,500 for the whole 3 years (if full-time). You will not be entitled to anything else from Student Finance (as there is no separate 'maintenance loan' for doctoral students). Typically however, people looking to do a PhD take the loan as a last resort, as the typical route is to look for research council ...
Current law lets employers use tuition reimbursement programs to cover student loan bills, but only through 2025. Learn more about how tuition reimbursement can cover student loan payments and ...
10-year fixed rate: 7.89%, up from 7.63% the week before, +0.26 5-year variable rate: 9.92%, up from 9.24% the week before, +0.68 Through Credible, you can compare private student loan rates from ...
Student finance can help cover many of these costs, although it is important to budget so the money doesn't all get spent in the pub. ... The interest rate charged once a graduate earns more ...
Michele Girard is a 2020 graduate of the Humphrey School of Public Affairs. Passion and ability are two attributes ascribed to Michele Girard, an alum of the Humphrey School of Public Affairs who earned her Master of Development Practice (MDP) in 2020.. Girard has been working with nonprofit organizations for a decade—helping them to fund, design, and evaluate projects and initiatives.
Finance society volunteering, or whatever else. Quality over quantity, Tung says. Cover letters are a more delicate art. A lot of tech companies are discarding them, but they're still popular in banking - and what's more, Goldman recruiters love them. They love cover letters so much that they even have their own, special format for them.