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Advanced Learner Loans

If you are thinking about further education and you are aged 19 or over, you could be eligible for the Advanced Learner Loan.

This loan is available to adults studying on one of our approved courses at level 3, 4, 5, or 6 and can help to cover the cost of fees during your study with us.

Frequently Asked Questions

The amount you can receive will depend on:





You can choose if you want to take the maximum amount. The minimum amount you can borrow is £300.



If your course costs more than the maximum amount of loan, you will be asked to self-fund the difference.

This will depend on when you started your course.



If your course started on or after 1st August 2016…



You can usually apply for up to 4 loans and you can have more than one loan at the same time.



You can apply for another loan if you are studying another course at the same level. For example,  if you have taken a loan for a course in Maths, you can take another loan for a course in History for the same level.



You can only apply for a loan once for an Access to Higher Education course.



If your course started before 1st August 2016…



You can apply for up to 4 loans but you can only get one loan at a time.



You have to be over the age of 24 and studying a level 3, 4, Access to HE or A Level course.



You cannot apply for another loan for the same level of study. For example, if you have taken a loan for a French, course, you cannot take another loan for an Italian course of the same level.

If you have received a letter approving your Advanced Learner Loan, you can also apply to get money from the Loan Bursary Fund.



The bursary money can help you to pay for things such as:



  • Travel and accommodation
  • Course materials and equipment
  • Childcare
  • Assistance for a disability or learning difficulty

This will depend on your:



  • Course information, including what you are studying and where
  • Age
  • Nationality
  • Previous study





Course Information



If your course started on or after 1st August 2016, you must be at least 19 years old on the first day of your course.



The course must be:



  • a Level 3, 4, 5 or 6 qualification, such as A-Levels or a graduate certificate.
  • at an approved college or training provider in England, such as LD Training.



If your course started before 1st August 2016, you must be at least 24 years old on the first day of your course.



The course must be:



  • an a level 3 or 4 qualification, such as A-Levels.
  • at an approved college or training provider in England, such as LD Training.



Advanced Learner Loans are not available for HND (Higher National Qualification) courses  or Advanced or Higher



Apprenticeships. For these, other funding applies.



Your course must be at least 2 weeks long for you to be eligible for funding, but there is no maximum time limit for you to complete the course. However, there are maximum limits to how long your loan can be applied for.



After this, you would start to repay the loan from the next tax year, if your income is over the £25,000 threshold.





Nationality and Residency Status



You must usually:



  • be living in the UK on the first day of your course.
  • have been resident in the UK, the Channel Island or the Isle of Man for 3 years before the start of your course
  • be a UK national or have ‘settled status’ (where you have no restrictions on how long you can stay)





Previous Study



You can usually get up to four Advanced Learner Loans.



The exception is if you are studying for an AS or A-Level. In this case, you can apply for up to eight loans, and you can get another three loans for courses that are not AS or A-Levels. Previous study will not affect your entitlement to your first FE loan.



You can get up to 4 loans for the same type of Vocational Qualification. However, you will still only be entitled to one FE loan for a Programme for an Access to HE Diploma or an A-Level course.


For more information, please see the Student Finance England website.

As we are the learning provider, payments are made directly to us each month.



Your attendance must be confirmed before any payments are made.



Confirmation of your attendance will be required two weeks after you have started and every three months following that.



If you stop attending your course at any point, we will let Student Finance know as soon as possible so that they can stop any further payments.

Repaying your loan is straightforward.



Any time your earnings before tax are over the threshold, your employer will take repayments each time you receive your salary.



This could happen every:



  • Week
  • Four weeks
  • Calendar month



The earnings threshold is



  • £480 a week
  • £2,083 a month
  • £25,000 a year



You pay 9% of your income over the threshold.



Annual income before taxMonthly salaryMonthly repayment
Up to £25,000£2,083£0


You are charged interest from the day your first payment is made until your loan is fully repaid.

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