Paying for a UK degree from the Gulf

Governments, employers and personal finance — three ways Gulf families pay for a UK degree.

On the cover: Downtown Dubai. Abu Dhabi's government scholarships fund Emirati students' degrees abroad, tuition and living costs included. Photo: Ahmed Aldaie / Unsplash.

The Bottom Line

For Gulf families, a UK degree can be fully funded. Governments in Saudi Arabia, Qatar, Kuwait and Abu Dhabi run scholarship schemes that pay for a full degree overseas, the UK included. The region's largest employers — Aramco, QatarEnergy, Qatar Airways, the Kuwait Petroleum Corporation, Bapco Energies — sponsor degrees too, usually with a job waiting at the end.

We found 14 routes across the six Gulf states that can fund a complete UK undergraduate degree, read on each provider's own pages. Many cover tuition and living costs.

And there is a third route the scholarship lists leave out. Gulf banks rarely offer education loans built for study abroad, but their personal loans — open to residents, including many expatriates — can be used for education. In the UAE, a personal loan can reach 20 times a borrower's monthly salary.


1. Gulf governments fund UK degrees in full

Four Gulf governments run scholarship schemes that fund a full undergraduate degree abroad, with the UK among the destinations.

Exhibit 1Government and royal scholarships that can fund a UK degree
CountrySchemeWhat it offersWho can apply
Saudi ArabiaCustodian of the Two Holy Mosques Scholarship ProgramA scholarship for an undergraduate degree at a university the Ministry of Education recognises, within its subject tracksSaudi students with unconditional admission
QatarGovernment Scholarship Program for StudentsScholarships for study abroad after high school, at universities on the ministry's approved list; the Emiri Scholarship covers the world's most selective universities, including OxfordQatari students
KuwaitMerit ScholarshipsA bachelor's degree at leading universities in the UK, US, Canada, Ireland, Australia and New ZealandKuwaiti students admitted to a merit university
United Arab EmiratesAbu Dhabi Department of Education and KnowledgeScholarships covering tuition and living costsEmirati nationals
United Arab EmiratesAl Qasimi FoundationA monthly living allowance of AED 3,000 for an overseas bachelor's degreeEmiratis from Ras Al Khaimah
BahrainCrown Prince's International Scholarship ProgramA scholarship with no obligation to return or to work for any organisationBahraini citizens in Grade 11

Each provider's own pages. Source: Telariq data.

Oman's Ministry of Higher Education, Research and Innovation also runs external scholarships; its terms couldn't be read in enough detail to confirm UK undergraduate study, so ask the ministry directly.

What this means for you: if you are a Gulf citizen, your government's scheme is the first place to look. Most work from an approved list of universities and subjects, so check that your course is on it before you apply.

2. The region's largest employers sponsor degrees too — usually with a job waiting afterwards

Exhibit 2Employer and community sponsorships that can fund a UK degree
CountrySponsorWhat it offersWhat it asks afterwards
Saudi ArabiaAramcoCollege Degree Program — tuition and living costsGraduates are targeted for professional roles at Aramco
Saudi ArabiaAramco Gulf Operations CompanyCollege Degree Program — tuition and living costs, for Saudi students at high schools in KhafjiNo employment bond stated
QatarQatar AirwaysUniversity scholarshipAt least five years with the airline
QatarQatarEnergyUniversity scholarshipEmployment depending on the company assigned
QatarQAPCOScholarshipScholars join the company as staff
KuwaitKuwait Petroleum CorporationKPC scholarship, for Kuwaiti employees in the oil sectorSet by the scheme
BahrainBapco EnergiesFuture Energy Leaders scholarship, covering tuitionEmployment at Bapco for a period set by its rules
OmanAl ManahilA loan for study abroad of up to OMR 2,000 a yearRepaid over twice the length of the course

Each provider's own pages. Source: Telariq data.

These are some of the most valuable awards in the region, and they come from the employers many graduates hope to join anyway. The trade is time: most expect scholars to work for them after graduating.

What this means for you: if a sponsor's industry is where you want to work, its scholarship can pay for the degree and secure the first job. The scholarship that comes with a job compares the commitments.

3. Personal loans from Gulf banks can be used for education, including by many expatriate residents

Gulf banks rarely offer education loans designed for study abroad — of the 64 we checked across the six states, none publishes one that confirms it covers a UK degree. But many offer personal loans, which borrowers can use for any purpose, education included.

In the UAE, the Central Bank sets the limits: a personal loan can be up to 20 times the borrower's monthly salary or income, repaid within 48 months. UAE banks offer them to expatriate residents as well as nationals, usually against a salary transfer to the bank. Islamic banks offer Shariah-compliant personal finance within the same limits.

Two things to weigh. A personal loan is repaid over four years at most, so repayments fall during the degree itself, not after it, as a student loan's would. And the amount depends on the borrower's salary, so it is usually a parent who borrows.

What this means for you: for many families — and especially expatriate families — a personal loan can fill the gap between savings and the full cost. Compare the monthly repayment with the family's income before relying on it.

4. Expatriate families have more options than they think

The scholarships and sponsorships in this guide are for citizens. But expatriate families in the Gulf have three routes of their own.

Personal finance in the Gulf, as section 3 describes, is generally open to salaried residents.

Funding in their country of citizenship. An Indian family in Dubai can look to India, which has more ways to fund a UK degree than any other country we researched — 21. Some Indian banks' education loans exclude non-resident Indians, so the terms need reading carefully; Who will fund a UK degree from your country? sets out the routes for 37 countries.

UK university scholarships, most of which are not restricted to particular countries: of 1,086 we hold, 743 are open regardless of nationality or don't restrict it.

What this means for you: an expatriate family can combine all three — and should look at each before deciding a UK degree is out of reach.

5. Choose a route by what it asks of you afterwards, not only by what it pays

The routes in this guide differ less in what they pay — most cover the degree — than in what they ask in return.

Exhibit 3The three routes compared
Government scholarshipEmployer sponsorshipPersonal loan
Who can use itCitizens, at approved universities and subjectsCitizens, usually through a competitive selectionSalaried residents, including many expatriates
What it coversUsually tuition and living costsUsually tuition and living costsWhatever the family borrows, up to the bank's limit
What it asks afterwardsVaries; some none at allUsually years of work for the sponsorRepayment within the loan's term

Source: Telariq data; Central Bank of the UAE.

What this means for you: a government scholarship with no service commitment, a sponsorship with a job attached, and a loan the family repays are very different choices. Decide which suits your child's plans before you apply.


Our advice

If you are a citizen, apply to your government's scheme first, and check that your university and subject are on its approved list.

Look at the national employers' scholarships in the industry your child wants to join — and read the service commitment before accepting.

If you are an expatriate family, combine routes: personal finance where you live, funding in your country of citizenship, and UK university scholarships.

Before taking a personal loan, check the monthly repayment against the family's income, since it falls due during the degree.

Confirm every scholarship's terms, eligibility and deadlines with the provider before you rely on it.

The not so fine print: what was excluded in this report

  • Interest and profit rates, and the cost of borrowing
  • The names of individual banks, which sit in Telariq's records
  • Personal-loan rules outside the UAE, which each Gulf state's central bank sets
  • Postgraduate scholarships, and scholarships for study inside the Gulf
  • Sources found only on agent or aggregator sites — every route was read on the provider's own pages

A note on this guide. This is what we found when we read each provider's own pages. Its purpose is to show you that options exist and where to start looking. There will be routes we haven't found yet, and some here may have changed since we checked — so treat it as a starting point, not a complete list, and confirm everything with the provider before you rely on it.

Have a question? We'd love to hear from you — admin@telariq.com

More guides