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Professional and Career Development Loan

The Professional and Career Development Loan (PCDL) is a bank loan to help pay for a course that assists you in gaining a position within a professional workplace, or helps you to develop your career in other ways.

The PCDL scheme is a partnership between Co-operative Bank and the UK Government. It is more like a bank loan than the standard UK student loans offered to undergraduate students. During your studies, and for one month afterwards, the UK Government's Education and Skills Funding Agency will pay the interest on the loan. After this, you will become responsible for the interest and fixed loan repayments.

Eligible students can borrow between £300 and £10,000 to fund a course of up to two years, or three if it includes a year of work experience. The loan will cover up to 80% of tuition fees and living costs if you are working under 30 hours per week. If you have been unemployed for over 3 months before your loan application, it will cover 100% of tuition fees. The bank will decide whether or not you qualify for a PCDL and they will take your credit history into account when making their decision.

Some other banks offer their own training or education loans that are not supported by the Education and Skills Funding Agency, so it is worth shopping around to find one that suits your needs.


To be considered you must:

  • Be aged 18 or over, and
  • Be a British citizen, and
  • Have been living in the UK for at least 3 years before your course starts, and
  • Plan to work in the UK, European Union (EU) or European Economic Area (EEA) after the course.


More information about the PCDL, including how to apply, can be found on the UK Government website.

You will need UAL's learner provider number (2030) when completing your application form.