Sources of funding for postgraduates

Have you explored all sources of funding available to you?

UK postgraduate students

Government loans

See information about the Postgraduate Masters Loan and the Postgraduate Doctoral Loan.


If you have savings and are struggling financially, you’ll need to use your savings to help support yourself. You may not want to dip into these savings but you may be able to tweak your budget to allow for some savings still to be made.

Interest free overdraft with a student bank account

Accessing an interest free overdraft is considered an acceptable form of income. The student account overdraft works differently, meaning you don’t incur any charges and are allowed between 1-2 years after you graduate to pay this back. Read more about what to consider when accessing an overdraft through our Blackbullion financial learning platform.

Part-time work

Many students supplement their income through part-time work. Taught postgraduates may work less during semester time and then increase their hours over the holiday periods. Postgraduate researchers may wish to explore Careers and Placements platform, Handshake. If you're not sure what jobs might be available then a good place to start is our .

Parental support

While parental support isn't expected for students studying at postgraduate level, this is an avenue of support some students are able to access.

Bursaries and scholarships

You may be able to access additional funding through a scholarship, though these can be small. Check information The Scholarship HubPostgraduate StudentshipsTurn2Us or see information about Careers and Placements platform, Handshake on the York Graduate Research School pages.

Benefits and tax credits

Unfortunately, full-time students are restricted from claiming most benefits. However, some students may still be entitled if you fall into certain categories. See our information on benefits and tax credits.

International students

Part-time work

Students on a Student visa are able to work a maximum of 20 hours per week during semester time. Find out more about working during your studies. If you're not sure what jobs might be available then a good place to start is our .

Scholarships and grants

See our information on postgraduate taught funding for international students.