{"id":117422,"date":"2019-03-26T15:53:34","date_gmt":"2019-03-26T15:53:34","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=117422"},"modified":"2025-07-24T15:29:27","modified_gmt":"2025-07-24T14:29:27","slug":"student-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans","title":{"rendered":"Loans for students"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\">Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.<\/p><p>Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><h3>What is a student loan?<\/h3><p>While the term \u201cstudent loans\u201d is generally used to mean the government-supported finance offered to students in the UK, it can also refer to any private personal loans or other forms of credit that students are eligible for.<\/p><h4>Government-supported student finance explained<\/h4><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"vd70D9pJjlM\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/vd70D9pJjlM\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">7:43<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-vd70D9pJjlM\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Loans jargon explained<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <ul id=\"glossary\"><li><strong>APR.<\/strong> The Annual Percentage Rate (APR) is an indicator of the annual overall cost of a loan. This includes the interest rate, as well as any compulsory fees. However, keep in mind that lenders only need to give the advertised APR to 51% of those who take out the loan, and the remaining 49% could get a higher rate.<\/li><li><strong>Interest rate.<\/strong> This is the percentage amount of interest you\u2019ll be charged on your loan, and can be offered as either a fixed or variable rate. A fixed interest rate remains the same throughout the loan, while a variable rate can go up and down.<\/li><li><strong>Unsecured loan.<\/strong> A type of personal loan that does not require you to use an asset (such as a house) as collateral.<\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"types\">Types of loans for students<\/h3><p>If you\u2019re a student, chances are you\u2019re used to operating on a shoestring budget even if you have a part-time job. This means your bank account balance may end up looking a bit grim if any unexpected costs come up during your studies. When you find yourself short of funds, one option is to borrow money from friends or family to avoid having to pay interest. But if the Bank of Mum and Dad is closed and you still need money, you might want to <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">consider the following alternatives<\/a>.<\/p><h4>Private student loans<\/h4><p>Private student loans are those taken out with a lender or loan provider, and not offered through the government. They are generally unsecured personal loans, which let you borrow an agreed amount and then repay it over a fixed term, usually 1-7 years. Private student loans can be used to cover the cost of tuition and student fees, as well as any other expenses you may have, such as accommodation, food and other living costs.<\/p><h4>Student credit cards<\/h4><p>While most credit cards will be off limits to the majority of students due to their limited credit history and low income, these <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/student-credit-cards\">targeted cards are easier to get approved for<\/a>. Expect a wide range of interest rates across the cards on the market, with some offering 0% interest on purchases for a set period before ramping up the rate later on.<\/p><p>The best strategy with student credit cards is to use them and pay off your balance as soon as possible afterwards \u2013 do this every month and you shouldn\u2019t be charged interest, even if it\u2019s not a 0% card. Don\u2019t use it to withdraw cash, as then you\u2019ll start paying interest immediately and incur fees.<\/p><h4>Credit-builder credit cards<\/h4><p>Designed as a \u201cstepping stone\u201d product for borrowers with a poor or limited credit history, these <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">credit cards don\u2019t come with a 0% introductory period<\/a>, and generally have a high interest rate. However, as the name suggests, these cards can help build your credit rating, which may make you more likely to be approved for another credit card or personal loan in future.<\/p><h3>Getting a personal loan as a student<\/h3><p><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">Taking out a traditional personal loan<\/a> as a student requires careful consideration. Some lenders will not consider applications from students, and those that do will likely want you to have a strong credit rating. Lenders want to be sure that you\u2019re likely to be able to repay your loan, and this may be hard to prove if you have no real credit history or a stable source of income.<\/p><p>More importantly, if you are approved for a personal loan, you\u2019ll need to make sure that you can definitely afford your loan repayments.<\/p><h4>Guarantor loans<\/h4><p>With a <a href=\"https:\/\/www.finder.com\/uk\/guarantor-personal-loans\">guarantor loan<\/a>, a friend or relative promises to step in if you fail to keep up with your repayments. These loans are offered by specialist lenders, and typically come with a high rate of interest. Again, you\u2019ll need to be able to demonstrate that you\u2019ll be able to afford your repayments.<\/p><h4>Short-term student loans<\/h4><p><a href=\"https:\/\/www.finder.com\/uk\/payday-loans\">Payday loans<\/a> and short-term, high-cost instalment loans can be relatively easy to be approved for, but have an eye-wateringly high rate attached \u2013 up to 0.8% per day. As such, they should only be considered as a last resort. Some lenders, such as Smart-Pig, target students specifically, focusing on your next student loan instalment, rather than your next payday.<\/p><h3>What is the cheapest student loan?<\/h3><p>This will depend on your individual circumstances and the type of loan you have. Government student loans have standardised interest rates, but these vary based on when you studied, and can also be changed retroactively. Personal loans offer different rates depending on the lender, as well as things like the size and term of your loan, and your credit history. You can <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-students#comparisongo\">compare student personal loans here<\/a>.<\/p><p><img decoding=\"async\" class=\"luna-image aligncenter has-margin-top-large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png\" alt=\"Image of two people with caption 'the average annual living costs for a student in UK\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Student-living-costs-1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><h3>What are my other student finance options?<\/h3><ul class=\"has-margin-bottom\"><li><strong>Hardship funds.<\/strong> Some universities or colleges set up hardship funds. Each fund will have its own eligibility criteria, and a finite amount of money available \u2013 in other words, when the money\u2019s gone, it\u2019s gone, no matter how eligible you are! In some cases the funds don\u2019t need to be paid back, but in other cases funds are issued as a loan (generally at very favourable rates). Contact your university\u2019s student services department to find out more.<\/li><li><strong>Payment plans.<\/strong> If you owe a large amount of money to a utility provider, such as a gas or water company, most will allow you to set up a payment plan to ensure the bill gets paid. Always get in touch with the utility provider <u>before<\/u> you miss a deadline for payment, or you could damage your credit record.<\/li><li><strong>Overdrafts.<\/strong> Many <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\">student bank accounts<\/a> come with a generous interest-free overdraft to help you through any financial hardship. Bear in mind, though, that the interest charges really sting if you stray into unarranged overdraft territory, or after your educational spell ends.<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3>How to choose the right loan as a student<\/h3><ol><li><strong>Calculate how much you need to borrow.<\/strong> Work out a budget of your average living costs, and how much you can afford to repay.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-students#compare\">Use our table<\/a> to search for loans for the amount you want to borrow. <\/strong>You can sort loans based on the lowest rate.<\/li><li><strong>Find the loan that\u2019s right for you. <\/strong>Look for a loan that offers affordable repayments, and flexible terms.<\/li><li><strong>Check your eligibility. <\/strong>Make sure you meet the specific lender\u2019s criteria, including things like minimum income.<\/li><li><strong>Apply for the loan.<\/strong><\/li><\/ol><\/div><\/article><h3>What are the best loans for students?<\/h3><p>Like with any loan, the best student loan will be the one that offers the most competitive interest rate and repayment terms. While government student loans may offer favourable repayment terms, these loans are not available to everyone. You may find you\u2019re able to secure a student loan with a lower rate elsewhere.<\/p><p>You can read our list of the <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-students#do\">best tips to keep in mind when comparing student loans<\/a> below.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3>Personal loan cost comparison<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Loan amount: \u00a33,000<\/h4><ul class=\"list-10\"><li>Loan term: 4 years<\/li><li>Interest rate: 10%<\/li><li>Monthly repayment: \u00a375<\/li><li>Total interest: \u00a3622<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Loan amount: \u00a33,000<\/h4><ul class=\"list-10\"><li>Loan term: 4 years<\/li><li>Interest rate: 24%<\/li><li>Monthly repayment: \u00a394<\/li><li>Total interest: \u00a31,514<\/li><\/ul><\/div><\/div><\/div><\/article><h3>Will I be eligible for a student loan?<\/h3><p>All lenders will put applicants through both a search with a credit reference agency (CRA) and their own internal affordability and risk assessments. <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\">As a student<\/a>, you may have a very limited credit history \u2013 especially if you\u2019ve gone straight from school into higher education, and\/or a lower income.<\/p><p>Your circumstances may also be considered more changeable (and therefore more risky) to a lender, and realistically it can be harder for you to get access to traditional credit. The good news, however, is that many of the options above are specifically tailored to people in your situation.<\/p><p>Always check the eligibility criteria of the specific product you are considering before applying \u2013 as well as wasting your time, multiple applications for credit in a short space of time can damage your credit score. Most lenders now offer a \u201csoft search\u201d facility, where would-be borrowers can check their likelihood of being approved for a loan or credit card before submitting a full application, and without affecting their credit record.<\/p><h3>Can I get a loan as a student with bad credit?<\/h3><p>While there is no guarantee that you\u2019ll be rejected, it may be difficult to get approved for a personal loan if you\u2019re a student with bad credit, especially if you aren\u2019t earning an income. If you\u2019re young and <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans\">have a bad credit score<\/a>, the lender may consider you to be too high a risk when it comes to repaying your loan. If you want to check if you\u2019ll be able to get a loan with bad credit, you can find out your loan options here.<\/p><p>If you find that you won\u2019t be able to get a personal loan with your credit rating, you may want to apply for a payday loan. Short-term lenders do not place the same importance on credit score, and are therefore more likely to approve you for a loan.<\/p><p>However, payday loans should only be considered as a last resort, and failing to repay a short-term loan can cause financial stress. It will generally be a better idea to try and improve your credit score and then apply for a regular personal loan.<\/p><h3>How to build a good credit record<\/h3><p>You may not have realised that you can improve your credit record by getting on the local electoral roll, and by setting up a current account with a few direct debits. If you can put a little into savings each month, even better, although that\u2019s simply not possible for many students.<\/p><p>Perhaps the most important thing you can do is to keep up with any bill payments and not dip into an unauthorised overdraft. Such actions will remain on your credit record for a number of years.<\/p><h3 id=\"do\">Dos and don\u2019ts of loans for students<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Do:<\/h4><ul class=\"list-4\"><li>Compare options to get the most affordable form of credit you can get your hands on<\/li><li>Check your credit report to see what you\u2019re likely to be approved for<\/li><li>Pay any loans back on time<\/li><li>Seek assistance from student services<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Don\u2019t:<\/h4><ul class=\"list-13\"><li>Borrow more than you can afford to pay back<\/li><li>Borrow money for non-essential items<\/li><li>Make multiple applications for credit in a short time<\/li><li>Regularly rely on short-term loans to fund your lifestyle<\/li><\/ul><\/div><\/div><h3>The bottom line<\/h3><p>Always try all the 0% interest options first when you\u2019re looking to borrow money. These could be loans from friends and family, a hardship fund, an arranged student overdraft or a student credit card. With the latter two options, the interest will eventually ramp up, so it\u2019s best to pay it back before that point.<\/p><p>Only when all of these options are exhausted is it time to consider high-interest options such as credit-builder credit cards or personal loans. In this situation, it\u2019s useful to compare the amount of interest you\u2019ll owe, while also considering what form of credit you\u2019re likely to be considered for.<\/p><p>With all these options available, a short-term financial shortfall shouldn\u2019t be the end of the world for you. By searching for the best loan option and paying your debt on time, you\u2019ll hopefully be back on your feet in no time.<\/p>\n<div class=\"contentFeed-responsive-wrapper\" data-content-feed-type=\"content_feed\">\n        <div class=\"contentFeed contentFeed--relatedPosts contentFeed--carousel-version\">\n                    <h3 class=\"contentFeed__title\">Popular Reads<\/h3>\n                <div class=\"contentFeed__carousel\" data-post-count=\"3\">\n                        <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                        <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/student-finance\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=180 180w, 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work with our ultimate guide to student finance. <\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Izzy Thomas\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/02\/IzzyThomas_Finder_600x600.jpeg\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/02\/IzzyThomas_Finder_600x600.jpeg?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/isobelthomas\" rel=\"author\">Izzy Thomas<\/a>                    <\/address>                    <time title=\"25 May 2023\">25 May 2023<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>             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src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Personal Loans<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-migrants-and-foreign-students\">Loans for international students<\/a>            <\/p>        <\/header>        <p>Discover the most reliable means for migrants and international students to borrow money in the UK<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div 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https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>     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u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/student-finance\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/student-finance.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Personal Loans<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/student-finance\">How student loans work: Student finance explained<\/a>\n        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35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/migrant-loans-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                   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srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>\n                        <\/address>\n                        <time title=\"21 Nov 2023\">21 Nov 2023<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/throwing_mortar_boards_450_250.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Credit score<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\">Do student loans affect your credit score?<\/a>\n            <\/p>\n        <\/header>\n        <p>If you\u2019re planning to apply for a personal loan, credit card or mortgage, find out how student loan debt could affect your ability to be approved.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Chris Lilly\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/chrislilly\" rel=\"author\">Chris Lilly<\/a>\n                        <\/address>\n                        <time title=\"10 Oct 2023\">10 Oct 2023<\/time>\n  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Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Most students have to operate on a shoestring budget, but when a financial shortfall hits, thankfully there are a number of options to consider.<\/p>\n","protected":false},"author":195,"featured_media":117431,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[3797,2307,3672],"asset_tag":[],"class_list":["post-117422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-student-latest-3","tag-student-loans","tag-student-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare loans for students | May 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Are you a student looking to borrow money. 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Find out your options and see how private student loans from traditional lenders compare to student loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-26T15:53:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/student-loan-250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Chris Lilly\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/ChrisLillyCL\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Lilly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans\"},\"author\":{\"name\":\"Chris Lilly\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\"},\"headline\":\"Loans for students\",\"datePublished\":\"2019-03-26T15:53:34+00:00\",\"dateModified\":\"2025-07-23T11:13:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans\"},\"wordCount\":2152,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/student-loan-250.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans#respond\"]}],\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans\",\"name\":\"Compare loans for students | May 2026 | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/student-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/student-loan-250.png\",\"datePublished\":\"2019-03-26T15:53:34+00:00\",\"dateModified\":\"2025-07-23T11:13:01+00:00\",\"description\":\"Are you a student looking to borrow money. 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