영국 비용 및 재정 지원 - 영국 유학 (ko)

A complete breakdown of UK 학비, 생활비, visa expenses, and funding options including Chevening, Commonwealth, and university 장학금s for 유학생.

수정일 2026년 3월 1일 11 분 소요

비용s and Funding: What You Will Actually Spend to 영국 유학

Understanding the true cost of 영국 유학 is essential for making an informed decision. The total investment includes 학비, 생활비, visa and immigration expenses, and travel. The good news is that the UK's shorter degree programs mean lower total costs compared to many other destinations, and there are genuine funding options available.

This guide provides a transparent breakdown of every cost you should expect and explains how to access 장학금s, grants, and other funding to make UK study affordable.

Tuition Fees: What to Expect

How much is tuition for 유학생?

Tuition fees for 유학생 vary significantly based on the university, course, and subject area. Laboratory-based and clinical courses cost more than classroom-based programs.

Course Type	Annual Fee Range (International)	Examples
Classroom-based 학부	GBP 15,000-22,000	Business, humanities, social sciences, law
Laboratory-based 학부	GBP 18,000-30,000	Engineering, sciences, computer science
Clinical 학부	GBP 30,000-45,000+	Medicine, dentistry, veterinary science
Classroom-based Master's	GBP 15,000-25,000	MA, MSc in arts, humanities, social sciences
Laboratory-based Master's	GBP 18,000-32,000	MSc in engineering, sciences, technology
MBA	GBP 20,000-65,000+	Top programs (LBS, Oxford, Cambridge) cost more
PhD	GBP 18,000-30,000	Bench fees may apply for laboratory research

Tuition examples at specific universities (2025/26 international fees)

University	Under대학원 (Arts)	Under대학원 (Science/Eng)	Taught Master's
University of Oxford	GBP 33,050	GBP 37,000-44,240	GBP 29,000-45,000
University of Cambridge	GBP 24,507	GBP 33,825-40,000	GBP 28,000-42,000
Imperial College London	N/A (science/eng focus)	GBP 36,200-40,000	GBP 33,000-40,000
UCL	GBP 23,300	GBP 28,500-35,000	GBP 24,000-38,000
University of Manchester	GBP 21,000	GBP 26,500-30,000	GBP 22,000-30,000
University of Leeds	GBP 19,500	GBP 24,750-28,000	GBP 20,000-27,000
Cardiff University	GBP 18,700	GBP 22,950-26,000	GBP 19,000-24,000
University of Strathclyde	GBP 16,400	GBP 21,150-24,000	GBP 18,000-24,000

Domestic vs. international fees

UK and Irish students pay regulated fees capped at GBP 9,250 per year for 학부 study in England, Wales, and Northern Ireland. In Scotland, Scottish-domiciled students pay no tuition at all, while students from the rest 영국의 pay up to GBP 9,250. International students pay significantly higher unregulated fees as shown above.

팁: One-year Master's programs 영국에서 represent genuine value. Paying one year of tuition (GBP 15,000-30,000) instead of two years in the US or Australia (USD 50,000-100,000+) saves a substantial amount, even accounting for higher annual fees.

Living 비용s: A Realistic Budget

How much does it cost to live as a student 영국에서?

Living costs vary dramatically depending on whether you study in London or elsewhere. UK Visas and Immigration (UKVI) sets minimum financial requirements for Student visa applications:

London: GBP 1,334 per month (9 months = GBP 12,006 required in savings)
Outside London: GBP 1,023 per month (9 months = GBP 9,207 required in savings)

These are minimum visa requirements, not actual budgets. Here is a realistic monthly breakdown:

Monthly 생활비 in London

Expense	Budget Range
University halls / shared room	GBP 700-1,200
Private rental (room in shared house)	GBP 800-1,200
Groceries	GBP 200-300
Eating out / takeaway	GBP 50-150
Transport (Oyster/TfL)	GBP 80-150 (student discount available)
Mobile phone	GBP 10-25
Utilities (if private rental)	GBP 80-120 (usually included in halls)
Personal / entertainment	GBP 100-200
Monthly total	GBP 1,300-1,800

Monthly 생활비 outside London (e.g., Manchester, Birmingham, Leeds, Edinburgh)

Expense	Budget Range
University halls	GBP 400-650
Private rental (room in shared house)	GBP 350-600
Groceries	GBP 150-250
Eating out / takeaway	GBP 40-100
Transport	GBP 30-80
Mobile phone	GBP 10-25
Utilities (if private rental)	GBP 60-100
Personal / entertainment	GBP 80-150
Monthly total	GBP 900-1,300

팁: Supermarkets like Aldi, Lidl, and ASDA offer the best value for grocery shopping. Cooking at home rather than buying prepared meals saves GBP 100-200 per month. Most universities have shared kitchens in halls of residence.

Visa and Immigration 비용s

Beyond tuition and 생활비, you need to budget for immigration-related expenses:

비용	금액	비고
Student visa application	GBP 490	Standard rate for applications 영국 외부에서
Immigration Health Surcharge (IHS)	GBP 776/year	Multiplied by the length of your visa; grants access to NHS
TB test (if required)	GBP 50-100	Required for applicants from certain countries
Biometric enrollment	Varies by country	May be included in visa fee or charged separately
CAS deposit	GBP 1,000-5,000	Paid to university; usually deducted from tuition
Police registration (if required)	GBP 34	Required for nationals of certain countries

Immigration Health Surcharge explained

The Immigration Health Surcharge (IHS) gives you full access 영국로's National Health Service (NHS) on the same basis as UK residents. At GBP 776 per year for students, this covers:

GP (doctor) visits
Hospital treatment (including A&E/emergency)
Mental health services
Prescriptions (free in Scotland, Wales, and Northern Ireland; GBP 9.90 per item in England, though many students qualify for exemptions)

You pay the IHS for the full duration of your visa upfront when submitting your visa application. For a 3-year Bachelor's degree, expect to pay approximately GBP 2,328 total.

While the IHS covers NHS access, some students also arrange supplementary health coverage. Compare student 건강 보험 options 영국을 위한 →

For complete visa cost details, see our Visa & Arrival guide.

Total 비용 of Study: Putting It All Together

What is the total cost of a UK degree?

Degree Type	기간	Tuition Total	Living 비용s Total	Visa/IHS Total	Estimated Grand Total
Bachelor's (outside London)	3 years	GBP 54,000-90,000	GBP 30,000-42,000	GBP 2,800-3,500	GBP 87,000-135,000
Bachelor's (London)	3 years	GBP 60,000-100,000	GBP 42,000-58,000	GBP 2,800-3,500	GBP 105,000-161,000
Master's (outside London)	1 year	GBP 15,000-32,000	GBP 10,000-14,000	GBP 1,300-1,500	GBP 26,000-47,500
Master's (London)	1 year	GBP 18,000-40,000	GBP 14,000-20,000	GBP 1,300-1,500	GBP 33,000-61,500

Remember that these are full 유학생 costs. Part-time work can offset GBP 5,000-10,000 per year, and 장학금s can significantly reduce the total.

장학금s and Funding for International 학생

Major government-funded 장학금s

Chevening 장학금s

Value: Full tuition, monthly stipend, return flights, and additional allowances
자격 요건: 학생 from Chevening-eligible countries (over 160 countries) applying for a 1-year Master's degree
Competitiveness: Highly competitive; approximately 1,500 awards globally per year
Deadline: Usually November of the year before study
Website: chevening.org

Commonwealth 장학금s

Value: Full tuition, monthly stipend (GBP 1,236-1,516/month), return flights, thesis grant
자격 요건: Citizens of Commonwealth developing countries
Programs covered: Master's, PhD, and split-site PhD
Competitiveness: Very competitive; approximately 800 awards per year
Deadline: Varies by country; typically October-December

GREAT 장학금s

Value: GBP 10,000 toward 학비
자격 요건: 학생 from specific countries (varies annually) applying to participating UK universities
Programs covered: Post대학원 taught programs
Number of awards: Approximately 440 장학금s across participating universities

University-specific 장학금s

Most UK universities offer their own 장학금 schemes for 유학생. Common types include:

장학금 Type	Typical Value	How to Apply
International Excellence Award	GBP 2,000-5,000 tuition discount	Automatic consideration based on application
Merit-based 장학금	GBP 3,000-10,000	Separate application or automatic based on grades
Country-specific 장학금	GBP 2,000-10,000	For students from specific countries
Subject-specific 장학금	GBP 2,000-full tuition	For specific departments or courses
Vice-Chancellor's 장학금	GBP 5,000-full tuition	Competitive; requires separate application
Early payment discount	2-5% tuition reduction	Pay tuition in full before a deadline

팁: Many university 장학금s are awarded automatically based on your offer grades, so no separate application is needed. However, competitive 장학금s do require applications -- check deadlines carefully, as these are often months before the course starts.

Other funding sources

Home government 장학금s -- Many countries offer 장학금s for citizens studying abroad. Check with your Ministry of Education or equivalent body.
Fulbright Commission (for US students) -- Funds Master's and PhD study at UK universities
Rotary Foundation Global Grants -- Funds 대학원 study in specific fields
Erasmus Mundus -- EU-funded programs with UK partner universities
Professional body 장학금s -- Organizations like the Institution of Civil Engineers, Royal Society of Chemistry, etc. offer 장학금s in their fields
Employer sponsorship -- Some students negotiate study sponsorship from their current employer

Part-Time Work During Studies

Student visa holders can work up to 20 hours per week during term time and full-time during holidays. At the current National Living Wage of GBP 11.44 per hour (age 21+), this can provide meaningful income:

Work Pattern	Weekly Hours	Monthly Earnings (approx.)
Term time	20 hours	GBP 915
Holiday (full-time)	37.5 hours	GBP 1,716

Over an 학년도, 아르바이트 can generate GBP 7,000-10,000 in earnings, depending on hours worked and the pay rate. Common student jobs include retail, hospitality, 캠퍼스 roles, tutoring, and library work. See our Work & Career guide for details.

Budgeting Tips for UK 학생

Get a student 은행 계좌 -- UK banks offer student accounts with benefits like interest-free overdrafts and no monthly fees. See our 영국에서의 생활 guide for banking advice.
Use your student discount -- The NUS/TOTUM card and UNiDAYS app offer discounts at thousands of retailers, restaurants, and entertainment venues
Buy a 16-25 Railcard (or 26-30 Railcard) -- Saves one-third on rail fares 영국 전역에서; costs GBP 30/year
Cook at home -- Batch cooking and meal planning can halve food costs compared to eating out
Shop at budget supermarkets -- Aldi and Lidl offer groceries at 20-30% less than major chains
Use the university library -- Avoid buying textbooks; most are available to borrow or access digitally
Cycle or walk -- Many UK university cities are compact and bikeable; saves significantly on transport
Apply for council tax exemption -- Full-time students are exempt from council tax (a local property tax); your university provides a council tax exemption letter
Monitor energy costs -- If in private accommodation, compare energy providers and be mindful of heating costs in winter
Access university hardship funds -- If you face unexpected financial difficulties, most universities have emergency funds available

팁: Create a spreadsheet tracking all income and expenses from day one. Many students find they overspend in the first term and need to cut back later. Planning from the start avoids this stress.

Financial Planning Checklist

Before committing to a UK university, work through this checklist to confirm your finances are in order:

Confirmed the exact 학비 from your offer letter or university website
Calculated total visa and IHS costs for the full duration of your course
Created a realistic monthly living cost budget for your chosen city
Researched and applied for all relevant 장학금s (government, university, and external)
Confirmed you can meet the Student visa financial requirements (28-day bank statement)
Investigated 아르바이트 opportunities in your chosen area
Arranged international money transfer methods (Wise, bank transfer, etc.)
Budgeted for one-off arrival costs (accommodation deposit, bedding, kitchen items, initial groceries)
Checked whether your university offers tuition payment plans or installment options
Set aside an emergency fund of at least GBP 500-1,000 for unexpected expenses

Taking time to plan your finances thoroughly before departure means you can focus on your studies and enjoy your time 영국에서 without financial stress.

다음 단계

With a clear understanding of costs and funding, continue your preparation:

Plan Your Studies -- Build your timeline and prepare documents
Programs & Universities -- Compare universities and courses
Admissions & 지원 -- Apply through UCAS or directly for 대학원 study
Visa & Arrival -- Understand visa costs and financial proof requirements
영국에서의 생활 -- Plan accommodation and daily expenses
Work & Career -- Explore 아르바이트 options and Graduate Route visa

자주 묻는 질문

How much does it cost to 영국에서 공부 as an 유학생?

International 학부 tuition ranges from GBP 15,000 to GBP 45,000 per year, with most courses between GBP 18,000 and GBP 28,000. Add 생활비 of GBP 12,000-16,000 per year, visa fees of approximately GBP 490, and the NHS surcharge of GBP 776 per year. Total annual costs typically range from GBP 28,000 to GBP 50,000.

What are the 생활비 for students 영국에서?

UK Visas and Immigration estimates 생활비 at GBP 1,334 per month in London and GBP 1,023 per month outside London (for visa financial proof purposes). Realistic monthly budgets are GBP 1,000-1,500 outside London and GBP 1,300-1,800 in London, covering rent, food, transport, and personal expenses.

What 장학금s are available for 유학생 영국에서?

Major 장학금s include Chevening 장학금s (full funding for Master's), Commonwealth 장학금s (full funding for developing country citizens), GREAT 장학금s (GBP 10,000 awards), and individual university 장학금s ranging from GBP 2,000 to full tuition waivers. The Turing Scheme funds UK students studying abroad.

What is the NHS Immigration Health Surcharge?

The Immigration Health Surcharge (IHS) is GBP 776 per year for students. It grants full access to NHS healthcare, including GP visits, hospital treatment, and most prescriptions (free in Scotland, Wales, and Northern Ireland). You must pay IHS for the full duration of your visa when applying.

Is London significantly more expensive than other UK cities?

Yes. Rent in London averages GBP 800-1,200/month for 학생 숙소 compared to GBP 400-700/month in cities like Manchester, Birmingham, or Leeds. However, London also offers more 아르바이트 opportunities and higher wages. Overall, expect to spend 25-40% more in London than in other UK cities.

Can I work part-time to support my studies?

Yes. Student visa holders can work up to 20 hours per week during term time and full-time during holidays. At the National Living Wage of GBP 11.44/hour (age 21+), 20 hours per week earns approximately GBP 915/month before tax, which can significantly help with 생활비.

Do UK universities offer payment plans for tuition?

Many UK universities allow 유학생 to pay tuition in installments, typically 2-3 payments spread across the 학년도. Some charge a small administrative fee for this. You usually need to pay a deposit (GBP 1,000-5,000) when accepting your offer, with the balance due at or after enrollment.

Are there cheaper alternatives with영국에서?

Yes. Universities in Wales, Northern Ireland, and northern England generally have lower tuition and 생활비. Some universities, such as Staffordshire, Teesside, and Bolton, offer international tuition starting from GBP 12,000-14,000 per year. Studying outside major cities significantly reduces 생활비.