US Direct Loans for postgraduates

The University of York has approval from the US Department of Education for the origination and disbursal of William D. Ford Federal Direct Loans (Direct Loans).

School Code: G06700/00670000

2020/21 Applications open: 18 May 2020

Applications for 2019/20 are now closed. If you need to apply for a 2019/20 loan, please email

The information on these pages is for postgraduate students. If you're applying to an undergraduate course please see our information for undergraduate students.

Applying for a Direct Loan

  1. Read all of the information on these pages
  2. Submit your online application and accompanying documents after 18 May 2020
  3. Await your Confirmation of US Direct Loan letter

Applying for a visa

We don't recommend applying for your visa before applying for your loan, as you may need to provide your loan confirmation as evidence of funding.

Contact us

Student Financial Support
+44 (0) 1904 32 4043
Market Square University of York YO10 5DD United Kingdom

Who is eligible?

To be eligible for a Direct Loan to study with us you must:

  1. be a US Citizen
  2. be physically present at the University of York for your studies
  3. be continuously enrolled at least half-time at the University of York
  4. make satisfactory academic progress during your course: SAP Policy (PDF , 231kb)

Courses ineligible for Direct Loans

We are not able to offer Direct loans for the following courses:

  • courses which are less than half-time
  • courses which are not degree-bearing
  • courses at the Hull York Medical School (HYMS)
  • courses in nursing or midwifery
  • online courses
  • distance-learning courses

If your course is ineligible for Direct Loans, you may be able to take out a private loan.

Studying or working outside the UK

Coronavirus (COVID-19) update
The limited relaxation of the rules around studying or working outside of the UK only applies during the period of emergency as declared by the UK government.

Any periods of study or work placements outside the UK will adversely affect your loan eligibility for the time you are away, even if you have academic approval. You must contact Student Financial Support if this applies to you.

Studying in the USA

Periods of study in the USA during your course will adversely affect your loan eligibility for your entire course, even if you have academic approval. You must contact Student Financial Support if you intend to return to the USA for any period of study.

We are not able to recommend any one lender over another or advise on the suitability of any loan product. It is your responsibility to carefully research the terms and conditions (including repayment obligations, interest rates, deferral options, etc) and consider the implications on your specific circumstances before proceeding with any loan.

Students enrolling on postgraduate courses can be considered for:

  1. An unsubsidised loan up to a maximum of $20,500 per academic year, subject to previous borrowing levels and limits. These loans are not based on financial need and their interest rate is reviewed annually.
  2. A Graduate Plus loan from Direct Loans, to cover Costs of Attendance above $20,500. This is subject to a credit check.

Private loans

If Direct Loans are not available, or don't fully cover your costs of attendance, you may be able to apply for a private loan.

The Federal Student Aid website has detailed information on borrowing under the Direct Loans programme.

You can borrow up to your Cost of Attendance. We calculate this based on your estimated living, study and travel expenses, plus one year's tuition fees.

These figures are provided as an indication of the maximum amount available. Your Cost of Attendance will vary based on a number of factors:

  • The tuition fees for your course
  • Which year of your course you will be studying
  • The total length of your course
  • Previous loans
  • Whether you are in receipt of any other financial aid (eg sponsorship, scholarships or bursaries).

Postgraduate fixed Cost of Attendance 

Course durationYear of studyCost of Attendance
1 year 1st £19,085 + tuition
2 years (taught) 1st £19,555 + tuition
2 years + (research) 1st £20,595 + tuition
2 years + 2nd + £16,587 + tuition

These amounts do not include Origination fees of 1.062% on unsubsidised loans and 4.248% on plus loans. These are deducted by the US Department of Education before loans are paid out.

Part-time study

The Costs of Attendance quoted above are for students studying full-time. If you intend to study part-time please contact Student Financial Support for further information.

Borrowing more than the fixed Cost of Attendance

In specific circumstances, you may be able to borrow more than the fixed Cost of Attendance. For example, you could have childcare costs for dependent children, or you may need to travel to undertake research.

To apply for additional funds, make a written request to Student Financial Support. You should explain your circumstances and include evidence of additional costs if available. Where possible, you should make this request at the same time as you apply for your loan for the academic year.

Your Cost of Attendance is calculated to cover your tuition fees, plus living costs including:

  • accommodation (on campus) and college fees
  • insurance for your possessions
  • food, toiletries and laundry
  • Course-related costs (eg field trips, textbooks, printing)
  • social and sporting activities
  • mobile phone and TV licence
  • travel to and from the UK and travel while at university
  • visa costs and NHS Surcharge (first year only)
  • a computer and printer (first year only)

How we calculate your living costs

ExpenditureWeekly costAnnual cost (51 weeks)
Food £32.00 £1,632.00
Toiletries £8.00 £408.00
Course related costs1 £585.00
Insurance2 £27.00
Laundry3 £8.00 £408.00
Social/sporting activities4 £25.00 £1,275.00
Mobile phone £8.00 £408.00
TV License5 £158.00
Premium ensuite campus accommodation6 £175.00 £8,925.00
Travel to study (within York)7 £11.00 £561.00
Visa costs, inc. flight to interview and NHS surcharge (first years only)8 £1,608.00
2x return flights to UK £2,200.00
PC and Printer (First Years only)9 £890.00
Total Cost of Attendance
not including tuition fees10

Exchange rate



  1. Course costs can vary and include such items as text books, photocopying, equipment and field trips. Your academic department may be able to provide a more accurate estimate relating to your specific course. Costs for students with placements may differ substantially, particularly due to travel costs.
  2. It may be helpful for you to check whether you are covered by your parent's household insurance before taking out insurance of your own. If you live in University accommodation, you will be covered by our contents insurance policy (
  3. Includes the cost of detergent.
  4. Social costs are indicative only. The actual amount spent on social activities can vary widely in accordance with your lifestyle choices. See sample social costs.
  5. You will need a TV licence if you watch television (whether through a television or on a computer/laptop) in your accommodation (even if living on campus). Further information about TV licensing for students can be found on the TV Licensing website.
  6. For the purposes of the Cost of Attendance we have included an approximate cost for a premium ensuite room in University on campus accommodation. The actual cost of your accommodation will depend on your choice, the availability of rooms and whether you choose to live on campus or in private accommodation. These differences can be reflected in the amount you choose to borrow.
    We have many different room types and facilities and full details of the full range of rooms and facilities are available on the Accommodation Services webpages. We are not able to advise on choice or costs of accommodation, either on campus or private sector. You should seek assistance from the Accommodation Office if advice is needed. There is also help with accommodation and specific advice for international students available if needed.
    In private accommodation, it is frequently necessary for students (particularly international students and students with families) to pay rent in advance (up to 6 months in advance on occasion), as well as needing to provide a deposit of at least one month's rent on signing the tenancy agreement. It may also be necessary to arrange a UK Rent Guarantor and doing so may reduce the requirement for payment of rent up front.
  7. These are the estimated weekly costs of a discounted 10 week student bus pass ­ further details of which can be found on the First York website. If you are living away from York, the costs for travel will be higher. Cost of travel between campuses is free, but this does not include travel for students studying at King's Manor (for undergraduates, this is primarily Archaeology students).
  8. This amount is only included in Cost of Attendance calculations for the first year of your course. £615 is provided for visa costs, plus the cost of any flights required to attend interviews. NHS Surcharges vary depending on the length of your course.
  9. This amount is only included in Cost of Attendance calculations for the first year of your course.
  10. Your cost of attendance includes your actual tuition fees for your programme of study for the relevant year. Please note that the cost of non-­standard fees may be more or less than indicated here. Details of this can be found on the specific Undergraduate and Postgraduate fees pages.
  11. We take the exchange rate once a year and apply it to all Cost of Attendance calculations. We don't revise our calculations throughout the academic year to account for small fluctuations in the exchange rate.

You will need to make a separate application for each academic year that you need a loan. Applications for each academic year usually open in May.

If you wish to apply for a loan for the current academic year, please contact Student Financial Support.

If you want to make changes to an existing loan see managing your loans.

Deferring repayment of existing loans

If you apply for a Federal Loan to fund your studies then repayments on existing loans will be deferred automatically while you're at the University of York.

If you are remaining in education but not applying for a new loan you can still defer your payments. You'll just need to ask us to report your enrolment: email We will need your Social Security number and date of birth.

We report your enrollment on the National Student Loan Data System so you should direct your lender to that system for confirmation of your enrollment so you can defer your loan repayments.

There are some key differences to the process of applying for Direct Loans to fund your study at York compared to applying for funding at a US institution.

Make sure you have read all of the information on this page before continuing.

How to apply

Contact us

Student Financial Support
+44 (0) 1904 32 4043
Market Square University of York YO10 5DD United Kingdom