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Saturday, 30 May 2026

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Can You Get Student Finance for a Second Degree?

Getting student finance for a second degree is restricted by the 'previous study' rule, which generally reduces or removes funding if you already hold an equivalent qualification. But there are exceptions for certain subjects and personal circumstances.

Last reviewed:  · 2 min read

Key Facts

  • Funding is usually cut if you already hold an equivalent-level qualification
  • Exceptions exist for medicine, teaching and some healthcare courses
  • You typically get your course length plus one 'gap year' of funding

The previous study rule

Student finance is designed to fund one qualification at each level. If you already have a bachelor's degree, you'll generally struggle to get a full tuition fee loan for a second one at the same level — this is the 'equivalent or lower qualification' (ELQ) rule.

The system usually allows funding for the length of your new course plus one extra year, minus any years of higher education you've already done. So previous study eats into your entitlement.

Exceptions worth knowing

Some subjects are exempt because of workforce needs. Second degrees in areas like medicine, dentistry, nursing, teaching and certain healthcare fields can attract funding even if you already hold a degree.

There are also exceptions for some part-time courses, students with disabilities, and specific career-change routes. The rules are intricate, so it's always worth checking directly with Student Finance England rather than assuming you're ineligible.

FAQ

Frequently Asked Questions

Can I get a maintenance loan for a second degree? +
Sometimes. Even where a tuition fee loan is restricted by previous study rules, you may still qualify for some maintenance support depending on your circumstances and course. It's worth applying and asking Student Finance England directly, as eligibility varies case by case.
Does a master's count as a second degree for funding? +
No, a master's is a different level, so it's funded separately through the postgraduate (Plan 3) loan system rather than the undergraduate rules. Having a bachelor's degree doesn't stop you getting a postgraduate master's loan.
What if I want to retrain in a shortage subject? +
You may be in luck. Funding rules are more generous for shortage areas like teaching, nursing and medicine, where second degrees can attract support despite previous study. Check the current exemptions with Student Finance England, as the list of eligible subjects can change.

Topics covered

student loans second degree student finance

This article is for informational purposes only and does not constitute financial advice. Always do your own research or speak to a qualified financial adviser before making financial decisions.