By Admin 
Many international students, including those from Nepal, come to the UK with big dreams of education, career growth, and financial success. However, many also arrive with significant student loans. The big question is: Can you realistically repay your student loan while studying in the UK? Let’s break it down.
Reality Check: Struggles of a Student in the UK
International students in the UK are allowed to work only 20 hours per week during term time. This means their monthly income ranges from £800 to £1200, depending on their job. But is this enough to cover expenses and loan repayments?
Breakdown of Monthly Expenses:
| Expense | Estimated Cost (£) |
|---|---|
| Rent | 500 – 900 |
| Food | 200 – 300 |
| Travel | 100+ |
| Bills & Misc | 100 – 200 |
| Total | £1000+ |
With such high living costs, most students barely save anything, making it nearly impossible to repay a student loan while studying.
The Hard Truth: Challenges in Loan Repayment
Many students try to take extra shifts or cash-in-hand jobs to increase their income. However, working beyond the legal 20-hour limit can lead to visa cancellation and deportation. This makes it extremely risky.
Some students complete their degree and switch to a Skilled Worker Visa, which allows them to work full-time and earn a higher salary. But until that point, paying off a loan while studying remains very difficult.
Smart Solutions & Advice for Loan Management
Although repaying a student loan while studying is challenging, strategic planning can help reduce financial stress. Here are some tips:
✅ Choose a High-Demand Course
Studying IT, Healthcare, Finance, or Engineering can increase your chances of getting a high-paying job and visa sponsorship after graduation.
✅ Find Scholarships & Financial Aid
Research and apply for scholarships and bursaries to reduce tuition fees. Many UK universities offer financial aid to international students.
✅ Live in Affordable Cities
London is expensive! Consider studying in cheaper cities like Manchester, Birmingham, or Sheffield, where rent and living costs are lower.
✅ Plan Your PR Route Early
Instead of struggling with low-income part-time jobs, plan your path to Permanent Residency (PR) early. Research Skilled Worker Visa sponsorship options.
✅ Start a Side Hustle
Legal side hustles like YouTube, blogging, online freelancing, and affiliate marketing can help you earn extra income without breaking visa rules.
Final Thoughts: Is Loan Repayment Possible?
While repaying a student loan while studying in the UK is difficult, it’s not impossible with smart financial planning. The key is to reduce expenses, increase income legally, and plan your career growth wisely.
What do you think? Do you have a student loan? How are you managing your expenses in the UK?
💬 Comment below and share your experience!
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