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Study in the UK: costs, scholarships, and the Graduate Route

By Study With Money Team · 3 min read · Published 10 Sept 2026 · Updated 22 Oct 2026

One-year master's degrees, Chevening and Commonwealth funding, realistic budgets, and what the Graduate Route visa means for your career.

<h2 id="why-the-uk" class="mt-8 mb-3 text-xl font-bold text-navy-900">Why the UK</h2> <p class="mb-4 leading-7 text-slate-700">A one-year taught master's means lower total cost and faster time-to-career. The UK hosts four of the world's top ten universities and thousands of one-year programs designed for international students.</p> <h2 id="realistic-annual-budget" class="mt-8 mb-3 text-xl font-bold text-navy-900">Realistic annual budget</h2> <ul class="mb-4 list-disc space-y-1.5 pl-6 text-slate-700"> <li><strong>Tuition:</strong> £16,000–£38,000 depending on course and city (medicine and business are the top end).</li> <li><strong>Living:</strong> ~£1,000–£1,500/month. Outside London, £900/month is workable with shared housing.</li> <li><strong>Visa maintenance funds:</strong> you must show living money held for 28 days (the exact amount is set by UKVI — check the official page).</li> </ul> <h2 id="scholarships-that-matter" class="mt-8 mb-3 text-xl font-bold text-navy-900">Scholarships that matter</h2> <ul class="mb-4 list-disc space-y-1.5 pl-6 text-slate-700"> <li><strong>Chevening</strong> — fully funded, leadership-focused, for one-year master's. Needs 2 years' work experience.</li> <li><strong>Commonwealth Master's</strong> — fully funded for eligible low/middle-income Commonwealth countries.</li> <li><strong>University scholarships:</strong> most research universities offer £3,000–£10,000 international merit awards — check each department's funding page.</li> <li><strong>GREAT Scholarships</strong> — £10,000 awards jointly funded with UK universities for select countries.</li> </ul> <h2 id="the-graduate-route" class="mt-8 mb-3 text-xl font-bold text-navy-900">The Graduate Route</h2> <p class="mb-4 leading-7 text-slate-700">Students completing a UK degree can apply to stay <strong>2 years</strong> (3 for PhD completers) on the Graduate Route to work or job-seek — no sponsorship needed. Rules evolve; confirm the current policy on the official government site before you plan around it.</p> <h2 id="application-timeline-september-intake" class="mt-8 mb-3 text-xl font-bold text-navy-900">Application timeline (September intake)</h2> <ol class="mb-4 list-decimal space-y-1.5 pl-6 text-slate-700"> <li><strong>January–March:</strong> shortlist courses; note entry requirements (UK master's are specific — check your degree qualifies).</li> <li><strong>April–June:</strong> take IELTS (UKVI-approved if you need it for visa), draft SOPs, line up 2 references.</li> <li><strong>June–September:</strong> apply directly to universities (most have rolling admission, but scholarship deadlines come earlier).</li> <li><strong>October–May:</strong> hold offers, pay deposits, apply for CAS then visa.</li> <li><strong>June–August:</strong> accommodation — university halls close early, so move fast.</li> </ol> <h2 id="watch-outs" class="mt-8 mb-3 text-xl font-bold text-navy-900">Watch-outs</h2> <ul class="mb-4 list-disc space-y-1.5 pl-6 text-slate-700"> <li>&quot;January intake&quot; options exist but with narrower course choice and scholarship funding.</li> <li>Dependants rules changed in 2024 — taught master's students can no longer bring family; confirm current rules.</li> <li>Always verify a program is degree-awarding and recognized — use official university domains only.</li> </ul>

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