A Detailed Guide to Cost of Studying in UK

The United Kingdom is a sought-after study destination. Known for its academic excellence and student life UK can undeniably be one of the best countries to pursue education abroad.

This blog provides a comprehensive analysis of what is the cost of studying in the UK for Indian and international students, offering valuable insights for budget planning and management.

Cost of Studying in UK for International Students

While the quality of education in the UK is undisputed, the costs involved are a major concern, especially for Indian students. However, due to the UK’s position as a global higher education leader, aspirants view the cost as justifiable in light of the valuable opportunities a UK degree opens up.

Moving further let us first delve into the generic overview of the average cost of studying in the UK for international students.

1. Tuition Fee

The tuition fees can vary depending on the level of study (undergraduate or postgraduate) and the specific course or program chosen.

Tuition fees are a crucial aspect for international students considering studying in the UK, and it's essential to research and plan ahead to understand the financial implications of pursuing higher education in the country.

Scholarships, grants, and financial aid options may also be available to help students manage the cost of their studies.

Cost of Studying Bachelors in the UK

The cost of studying for a bachelor's degree in the UK can vary depending on several factors, including the university, the specific course of study, whether you are an international or domestic student, and your lifestyle choices.

The average cost of studying Undergraduate or Bachelor's Degree in the UK is around GBP 8,000 - GBP 20,000 (INR 845,352 - INR 2,113,382). The tuition fee for a few of the popularly chosen undergraduate or bachelor programs in the UK have been mentioned in the table below

Cost of Studying Masters in the UK

The tuition fees for Master's degree programs in the UK can vary widely depending on the university, the specific course of study, and whether you are an international or domestic student.

The average cost of studying Graduate or Masters Degree in the UK is around GBP10,000 - GBP 35,000 (INR 1,056,691 - INR 3,698,418). The table below mentions the general range of tuition fees for Master's programs in the UK for Indian students

Cost of Studying Ph.D. in the UK

The tuition fees for Ph.D. programs in the UK can vary depending on the university, the specific subject or field of research, and whether you are an international or domestic student.

The average cost of studying Ph.D. or Doctoral Programs in the UK is around GBP15,000 - GBP 35,000 (INR 1,585,036 - INR 3,698,418). The table below illustrates the general range of tuition fees for Ph.D. programs in the UK for international students

2. Student Visa Application to the UK

To study in the UK, international students must apply for a Tier 4 student visa which would cost them GBP 369. The visa duration aligns with the study program, with potential extensions for post-study work.

Key points include obtaining a Confirmation of Acceptance for Studies (CAS), demonstrating sufficient funds for tuition and living expenses, proving English language proficiency, paying the Immigration Health Surcharge (IHS), and applying online or through a local visa center.

3. Living Expenses in the UK for Indian Students

The monthly cost of living in the UK can range from £1,100 to £1,400, depending on various factors such as location and personal choices. To cover your annual living expenses, it is advisable to budget around £11,000 to £15,000. Here's a detailed overview of the living costs:

1. Accommodation in the UK for International Students: Accommodation is a significant cost for Indian students studying in the UK. Universities often provide on-campus options at discounted rates, which are the most budget-friendly choices. If you opt for private accommodation, look for places near your university, with monthly costs ranging from £350 to £550 (₹31,000 - ₹49,000). Prices may vary across different UK cities, with London being the most expensive.
2. Travel Costs: Subways are the most economical means of travel within the UK, especially the Tube in London with its extensive network and affordable fares. Student discounts further reduce traveling expenses. For short distances, consider monthly passes for tubes or buses. If hiring a taxi, ensure it runs on the meter or agree on a fare in advance. For long distances between cities, options include railways, air travel, or intercity buses.
3. Utility bills: Essential utilities in the UK, including electricity, water, gas, etc., typically cost £50 to £120 per month. The list of required essentials includes - Bills (electricity/gas/water), Mobile phones, Clothes, Toiletries, Books and stationery, etc.
4. Food Expenses: To save money, minimize food costs by cooking at home, which can range from £80 to £100 per month. Opting for ordering food or eating out may increase expenses to around £250 per month.
5. Miscellaneous Expenses: These expenses include a variety of bills like clothing, recreational and fitness activities, etc. For recreational activities and fun, you may spend approximately £50 to £250 per month.

Financial Assistance: Scholarships in the UK

UK and EU students have access to loans, grants, and funding to cover tuition fees, but living costs may not be fully covered. In 2022/23, living loans were up to £12,667 for London students, but still fell short of expenses. Some private UK universities offer tuition fee loans, but they might not cover the full amount.

Many scholarships are available from the government, universities, and organizations. Prominent ones include Chevening, Marshall, and Commonwealth Scholarships for postgraduate students. Fewer scholarships are available for undergraduates, but exceptional students may still find support.

Tax Structure for Students in the UK

Part-time employment is a great option to manage daily living expenses and the cost of studying in the UK for Indian students. International students can work up to 20 hours per week during academic sessions and full-time during vacations.

a. Income Tax

Income Tax in the UK for students is levied only after your income exceeds a specific threshold. The first £12,570 you earn during the tax year is not subject to Income Tax, known as your personal allowance. After that, the following monthly calculations apply

b. National Insurance

National Insurance in the UK is a tax imposed on your earnings from employment. However, you begin paying it only when your income surpasses a specific threshold. The first £1,048 you earn per month, or £9,564 per year if consistent, is exempt from National Insurance.

After that, the following monthly rates apply

*Additionally, students need to pay for student insurance, costing around £15 to £25 per month.

Tips for Managing Your Cost of Studying in UK

Before moving ahead to the final takeaways we have added this special bonus section to assist your query on how to manage the average cost of studying in the UK for Indian students, which could otherwise be a costly affair considering the tuition fees and living expenses. The ways to save money and efficiently manage your budget include:

• Utilize student discounts for various purchases, including groceries and movie tickets.
• Opt for transportation cards with student discounts to save on travel expenses.
• Choose cheaper alternatives when shopping to manage a tight budget.
• Explore scholarships that can help cover tuition fees or living costs.
• Consider working part-time, as international students can work up to 20 hours a week in the UK, earning around £10 - £12 per hour.

Effectively Budget Your Cost of Studying in the UK with GetGIS Assistance

When considering studying abroad, calculating the total cost of education and living expenses can be challenging. However, with experienced immigration assistance like from GetGIS, you would be efficient enough to estimate your budget and manage it ensuring no lapse or backdrops.

Useful Links: For Further Reads

• 7 Best Countries To Study Abroad for Indian Students
• Top 10 Exams to be written to study abroad
• Top 10 Challenges of Studying Abroad and How to overcome them
• Ultimate Guide on How To Study Abroad on a Budget