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19+ Advanced Learning Loans

A Loan Scheme offered by the Government

Important changes! If you are thinking of enrolling on a course at level 3 or above, please read on. From 1 August 2013 you will need to pay for the cost of your course.  If you are aged 19 or over and want to study for a level 3 or 4 Certificate or Diploma, or an Advanced or Higher Apprenticeship

BUT: A new loan scheme has been introduced to help learners.

Previously, the cost of a course was shared between the learner and the government. This meant that learners would need to pay for their share of the course fee at the start of the course. Many learners on low income found this hard and were often prevented from taking up a course offer. This changes with the introduction of the 19+ Advanced Learning Loan.  You can have a maximum of four advanced learner loans.

Some of the key facts about the loan

To qualify for a loan you must be:

  • Aged 19 or over on the first day of your course and starting your course after 1 August 2017
  • Living in the UK on the first day of your course and have lived in the UK, the Channel Islands, the Isle of Man or an EU country for three years immediately before the start of the course
  • Studying with a college or training provider in England who is approved for public funding – the Adult Learning Service is such a training provider
  • Enrolling on an eligible course at level 3 or above. This could be A-levels, Access to HE Diplomas, other Diplomas and Certificates, Advanced Apprenticeships or Higher Apprenticeships

Applying for a loan is easy

It is easy to apply for a loan and your household income will not be taken into consideration. You can find further information at  You can view a video of why others have applied for learning loans at

You can apply online and download an application form at

How much can I get?

The amount you can get depends on the course you choose. The Government has set maximum amounts per course. The minimum loan amount is £300. You can apply for a loan for the maximum amount to cover your course fee or you can pay part of your course fee with a loan and part yourself. You can, of course, pay the entire course fee yourself.

Will I receive the loan payment directly?

No, the Student Finance Company will pay the agreed tuition fees to your training provider, e.g. The Adult Learning Service

Can I apply for more than one loan?

If you start your course on or after 1 August 2017, you can apply for up to four loans at the same time.  Once you have completed your course, you can apply for another 19+ loan to continue with your learning. You can have up to 4 loans. However, you will not be able to receive a loan for the same type and level of course twice.

Repaying your loan

  • Repayments are linked to what you earn and not how much you borrowed.
  • You only have to start making repayments when you’ve finished your course and you are 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 month.
  • Interest is charged on a sliding scale between the Retail Price Index (RPI) and RPI +3%, depending on how much you earn.

For more information call the Adult Learning Service Helpline on 01332 717900 or email This email address is being protected from spambots. You need JavaScript enabled to view it..

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