Concerns regarding UK Border Control and no job

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You are likely to arouse at least some suspicion. You are:

  1. A foreign citizen.
  2. Without stated familial ties to another country.
  3. Without leased or owned property elsewhere.
  4. Coming to visit your lover for an extended period.
  5. Without a job in any country at all.
  6. Liable to repay a large sum of money if you return home.
  7. Showing a pattern of multiple visits for non-business purposes.

It might be in your interest to not bring up the student loans unless asked. They're a liability, not an asset, both financially and immigration-wise. Claiming you want to return home so you can start paying money is not convincing.

The term "girlfriend" is ambiguous. It might be in your interest to refer to her as simply your "friend" if you are not romantically involved. This may not matter a lot, and in any case you should be honest if asked to clarify the relationship you have with this person.

Hopefully you have a substantial amount of money in your bank account(s). One or two thousand bucks is not going to seem substantial given your circumstances.

If you do have an apartment lease back home, or are comfortable getting one (even if you sublet it whilst away), that might be helpful (you could bring a copy of the lease, though I don't think immigration would normally expect to see this).

Finally, as Michael Hampton said in a comment, you could get a job offer. You don't even have to actually start that job when you return, if you decide it's not for you, but a signed and countersigned offer letter might be helpful. Ideally for a job other than flipping burgers. This piece is probably the hardest to get, but on the other hand that may make it more valuable from the immigration officer's point of view.

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