Skip to main content

US Federal and Private Student Loans

Notice: Update to US Loan Information

Our US Loan webpages are currently being updated to reflect recent changes resulting from the One Big Beautiful Bill.  While most of the information on these pages remains accurate and relevant, some content may be out of date.

If  you have any questions regarding US Federal or Private Loans, please contact the US and Canada Loans team at uscanadaloans@arts.ac.uk

If you're an eligible US student, use the sections below to learn more about how you can fund your studies at UAL. You'll find comprehensive information on financing your education through both federal and private student loans.

Explore the various types of loans available, detailed application procedures, eligibility criteria and expected payment schedules.

Whether you're pursuing undergraduate, graduate, or other courses, UAL provides the necessary guidance to help you manage your educational expenses effectively.

New students

Based on the information released so far, it is expected that Undergraduate loan limits will change significantly. In addition, Graduate PLUS loans are currently expected to be unavailable to new borrowers from July 2026. These details remain subject to change until the new regulations are finalised. We will update our webpages as soon as confirmed guidance is available.

Continuing students

Our current understanding is that continuing students who already receive US federal loans may be able to continue borrowing under the existing loan limits for up to 3 years. However, this is also subject to change, pending final confirmation from the US Department of Education. We will update our guidance as soon as official information is released.

Staying informed

For the most up-to-date information, we recommend checking studentaid.gov, where official updates will be published as they become available.

  • View looking down at a student sitting at a desk drawing in a sketchbook
    Image courtesy of UAL.

    US Federal Student Loans

    The US federal student loans program offers several types of loans to assist students with their study and living costs.

  • Graduating students throwing their mortar boards in the air
    Image courtesy of UAL.

    How to apply

    Guidance on how to apply for federal loans, eligibility criteria, and what to expect from the process.

  • Student standing painting with paintbrushes pinned up in their hair
    Image courtesy of UAL.

    Cost of Attendance

    The Cost of Attendance (COA) is an estimate of the total average cost for a student to attend UAL for one academic year.

  • A student pinning gold fabric to a tailor's dummy
    Image courtesy of UAL.

    Private Student Loans

    You may consider applying for a private student loan, which can cover the Cost of Attendance and supplement or replace federal student loans.

  • A student performing outdoors, with arms outstretched on a sunny and windy day
    Image courtesy of UAL.

    Consumer Information

    UAL provides comprehensive financial aid information, ensuring students understand their rights, responsibilities, and loan options.

Related links

  • An abstract image of red and green shapes cut with thin, straight yellow lines
    Image courtesy of UAL.

    Tuition fees

    Find out what tuition fees you will pay as an undergraduate student at UAL.

  • A red and brown painting including images of eyeballs
    Image courtesy of UAL.

    Student advice service

    Contact the student advice service for support on funding, visas and money.

  • Installation of multicoloured, angled ledges on a white wall
    Image courtesy of UAL.

    Information for international students

    Application advice and information about immigration and visas.