A Government Doctoral Loan of up to £31,122 for 2026/27 entry is available for students from England looking to study a PhD or equivalent postgraduate research programme. The loan amount for 2026/27 has not yet been confirmed.

The Doctoral loans are intended as a general contribution to the costs of postgraduate study. This means that they aren't tied to the specific cost of a doctoral programme or the living costs incurred by PhD students. 

In practice, both of these amounts will vary depending on factors such as the fees charged by your institution and the costs of living in your local area. The loan should significantly reduce the finanical burden of PhD study, but it won't necessarily cover full fees and living costs for a three year doctorate. You can apply for the loan here