Advanced learner loan
The Advanced Learner Loan is available to students who
are 19 and over.
Advanced Learner Loans help people aged 19 and over undertake
vocational, technical and professional qualifications at Levels 3,
4, 5 and 6. It's easy to apply for, doesn’t take your
household income into account and doesn’t involve a credit
- Repayments are linked to what you earn and not how much you
- You only have to start making repayments when you’ve finished
your course and you’re earning over £21,000 a year (which is £404 a
week or £1,750 a month). Until then you don’t need to pay back
anything, but you can make voluntary repayments at any time.
- You pay 9% of the money you earn over £21,000, before tax. For
example, if you earn £22,000 a year, your monthly repayment will be
£7 a month; and if you earn £35,000 a year, it will be £105 per
What courses does the loan apply to?
- aged 19 or over on the first day of the course
- a resident in the UK for 3 years prior to the start of the
The loans are not means tested or credit checked - and any
individual who meets the criteria will be able to apply for a loan
whether they're employed or unemployed - the loan will then be
paid directly to the college on your behalf. More about eligibility
If you need help with other costs related to this course, you
may be able to apply for an advanced
learning loan bursary.
- you do not pay any course fees up front
- repayments start the April after you complete your course
- you pay back your loan (plus interest) when you’ve finished
your course and start earning more than £21,000 a
- if your income drops below £21000 - loan repayments stop
- each month you pay back 9% of any income over £21,000. For
example, if you earn £25,000 a year your monthly repayments would
More about repayments
If your loan is for an
Access to Higher Education diploma and you progress to complete
a Higher Education programme, you will not have to pay back your FE
loan - it is written off!
How to apply
- you’ll be able to apply
online or by post from April for courses starting between 1
August and 31 July.
- you’ll be able to apply even if your course has
- you have to apply before it finishes
- it can take up to five days to process
an application (or 2 to 4 weeks if you apply by post)
- you need a National Insurance number before any
money can be paid.
- you can still apply for a loan before you’ve got
a National Insurance number
- you need your passport details or another form
of identity to apply - eg your birth certificate. Don’t send your
For more details
Student Finance England Fact Sheet
Student Finance England FAQs
National Careers Service
Advanced Learning Loan Bursary Fund
Contact Student Services on 01926 318 080
or email firstname.lastname@example.org