Aged 19 or over and thinking about further education?

Advanced Learning Loans
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If you’re thinking of starting a course you will qualify for an Advanced Learning Loan to help pay the tuition fees. Learners aged 19 and over, studying at Level 3 and above, will qualify for these new loans from the UK government. Your household income isn’t taken into account, there’s no credit check and you won’t have to pay anything back until your income is over £21,000 a year.

To qualify you must be:

How much can I get?

The amount you can get depends on your course, the tuition fees charged and maximum amounts set by the Government. The minimum loan amount is £300. You can take out a loan for the maximum amount to cover your tuition fee or you can pay all or part of the tuition fee yourself.

How’s the loan paid?

Student Finance England (SFE) will pay your agreed tuition fees to the college once your attendance on the course has been confirmed.


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


















So, if you’re paid monthly and earn £2,500 before tax you would repay 9% of the difference between what you earn and what the individual threshold is:

Your loan repayment would be £67 in that month.