Aged 19 or over and thinking about further education? If you’re starting a course on or after 1 August 2016 you may qualify for an Advanced Learner Loan. These loans help you to pay the tuition fees charged by colleges and universities for Levels 3, 4, 5 and 6 courses. A definitive list of eligible courses will be available at:

https://www.gov.uk/government/publications/advanced-learner-loans-funding-rules

Most learners aged 19 and over, studying at level 3 and above, will qualify for these new loans from the UK government. It’s easy to apply, your household income isn’t taken into account and there’s no credit check. You won’t have to pay anything back until your income is over £21,000 a year. To qualify you must be:

  • Aged 19 or over on 31st August 2016 for courses commencing in the 2016/17 academic year.
  • Living in the UK on the first day of your course and have lived in the UK, the Channel Islands or the Isle of Man for three years immediately before this, and you must be classed as "settled" in the U.K.
  • Studying with a college, university or training organisation in England approved for public funding
  • Enrolling on an eligible course at level 3 and above which includes: A levels, Access to HE Diplomas, other Diplomas and Certificates, Advanced Apprenticeships or Higher Apprenticeships, but not undergraduate courses of study
  • Please note if you are aged 19-23 and you are considering studying a Level 3 course, and you have not previously attained a full Level 3 qualification, you may be able to apply to the university for tuition fee remission

Applying is easy

You can apply for a loan from summer 2016 for courses starting between 1 August 2016 and 31 July 2017. You’ll be able to apply online or download an application form from:

www.gov.uk/advancedlearningloans  

Making the right choice

It’s important you consider your own circumstances and look into all options for paying for your course before choosing to take out a loan. You can get independent financial advice from the Money Advice Service at:

www.moneyadviceservice.org.uk

 Advanced Learner Loans are administered by Student Finance England (SFE). Student Finance England is a Student Loans Company service, providing financial support to students on behalf of the UK Government.

How much can I get? How’s the loan paid?

The amount you can get depends on your course, Student Finance England (SFE) will pay the tuition fees charged by your college or training organisation directly once they’ve confirmed your attendance on the course.

The minimum loan amount is £300. You can apply  for any amount between £300 and the tuition fees being charged for your course. If you wish to take out a partial loan and pay some of the fees yourself, you may do this.

Repayment

Repaying your Advanced Learner Loan is straightforward.

  • Your monthly repayments will be based on your income, not what you borrowed
  • You’ll only start making repayments when your income is more than £404 per week, £1,750 per month or £21,000 per year
  • You’ll only pay back 9% of any income above £21,000 a year, see the table below for examples of what you’ll repay:
Income each year before tax

Monthly salary Monthly repayment

Up to £21,000

£1,750

£0

£22,000

£1,833

£7

£25,000

£2,083

£30

£30,000

£2,500

£67

£35,000

£2,917

£105

£40,000

£3,333

£142

 If, after completing a Level 3 course of study for which you have taken out an Advanced Learner Loan, if you then study a Higher Education undergraduate programme, once you have successfully completed this H.E. programme the Advanced Learner Loan will be written off. 

Page last reviewed and updated April 2017