Pursuing a second degree can be an exciting opportunity to change careers, deepen your expertise, or explore a new field of study. However, one of the biggest concerns for students considering a second degree in the UK is whether they can access student finance to fund their studies. The answer is not straightforward, as it depends on several factors, including the type of degree, your previous study, and your personal circumstances. In this blog, we’ll explore the rules and exceptions surrounding student finance for a second degree in the UK.
General Rule: No Student Finance for a Second Degree
In most cases, students in the UK are not eligible for student finance for a second undergraduate degree. The government’s policy is to fund only your first higher education qualification. This means that if you’ve already completed a bachelor’s degree, you typically won’t be able to access tuition fee loans, maintenance loans, or grants for another undergraduate degree.
This rule is in place to ensure that government funding is prioritised for students pursuing their first degree, as higher education is a significant public investment. However, there are exceptions to this rule, and some students may still qualify for financial support.
Exceptions to the Rule
While the general rule restricts funding for second degrees, there are several scenarios where you may still be eligible for student finance:
1. Studying Certain STEM or Healthcare Courses
If your second degree is in a subject that addresses a national shortage of skilled professionals, you may be eligible for funding. This includes courses in:
- Science, Technology, Engineering, and Mathematics (STEM)
- Nursing
- Midwifery
- Allied health professions (e.g., physiotherapy, radiography)
- Teaching (if it leads to Qualified Teacher Status)
The government provides funding for these courses to encourage more students to enter these high-demand fields.
2. Upgrading to a Higher Qualification
If you’re upgrading your existing qualification to a higher level, you may be eligible for funding. For example:
- If you hold a Certificate of Higher Education (CertHE) or Diploma of Higher Education (DipHE) and want to complete a full bachelor’s degree.
- If you hold an Integrated Master’s degree and want to pursue a standalone Master’s degree.
3. Part-Time Study
In some cases, part-time students may be eligible for tuition fee loans, even if they’re studying for a second degree. However, maintenance loans are generally not available for part-time students.
4. Disabled Students’ Allowances (DSA)
If you have a disability, you may still be eligible for Disabled Students’ Allowances, regardless of whether you’re studying for a second degree. This support is not means-tested and can help cover additional costs related to your disability.
5. Personal Circumstances
In rare cases, students with compelling personal reasons (e.g., illness or other extenuating circumstances) that prevented them from completing their first degree may be eligible for funding for a second degree. You’ll need to provide evidence to support your case.
Alternative Funding Options
If you’re not eligible for government student finance, there are other ways to fund your second degree:
1. University Scholarships and Bursaries
Many universities offer scholarships or bursaries for students pursuing a second degree, particularly in high-demand subjects. Check with the university you plan to attend for available funding opportunities.
2. Career Development Loans
Although the government’s Career Development Loan scheme has closed, some private lenders offer similar loans for vocational courses. Be sure to compare interest rates and repayment terms carefully.
3. Employer Sponsorship
If your second degree is related to your current job or career aspirations, your employer may be willing to sponsor your studies. This could involve covering tuition fees or offering study leave.
4. Self-Funding
If you have savings or can work while studying, self-funding is another option. Many students choose part-time or distance learning courses to balance work and study.
5. Postgraduate Loans
If your second degree is a postgraduate qualification (e.g., a Master’s or PhD), you may be eligible for a postgraduate loan. These loans are separate from undergraduate funding and have different eligibility criteria.
What About Postgraduate Study?
If you’re considering a postgraduate degree (e.g., a Master’s or PhD) after your first degree, you may be eligible for a Postgraduate Master’s Loan or Postgraduate Doctoral Loan. These loans are not means-tested and can help cover tuition fees and living costs. However, they are typically smaller than undergraduate loans, so you may need to supplement them with other funding.
Conclusion
While the general rule is that student finance is not available for a second undergraduate degree in the UK, there are exceptions and alternative funding options to explore. If your second degree is in a high-demand field like healthcare or STEM, or if you’re upgrading your qualification, you may still qualify for government support. Otherwise, scholarships, employer sponsorship, or postgraduate loans could help make your second degree more affordable.
Before making any decisions, it’s essential to research your options thoroughly and contact Student Finance England (or the equivalent body in Scotland, Wales, or Northern Ireland) for personalised advice. With careful planning, you can achieve your educational goals and take the next step in your career.
