19+ Advanced Learning Loan


Would you like to complete your course without having to pay anything until you are earning over £21,000? If so, you may be eligible for a 19+ Advanced Learning Loan.

The Government announced last year that they would be expanding the eligibility criteria for Advanced Learner Loans (formerly 24+ Advanced Learning Loans) in the 2016 to 2017 academic year.

The Loans will now be available to those learners aged 19 or over and for study at Level 3 to Level 6.

Am I eligible for a 19+ Advanced Learning Loan?

To be eligible for one of these loans you must:

  • be aged 19 or over at the start of your course;
  • starting your course on or after 1 August;
  • course must be L3-L6;
Examples include: Level 3 Personal Trainer Course, Level 3 Sports Massage, Level 3 Exercise Referral

Does getting a loan depend on my income or credit history?

No. Getting a loan doesn’t depend on your income and credit checks aren’t carried out. Repayments are based on your income and won’t begin until your income is over £404 a week, £1,750 a month or £21,000 a year


19+Loan Application Process

How do I apply for a loan?

Once you’ve identified the qualification you’d like to study, please contact us on 0151 268 0248 to enrol on your chosen course.

Can I apply online?

Yes, applying online after May 2016 will be quick and easy. Once you’ve received your Learning and Funding Information Letter, you’ll be able to register and apply online at www.gov.uk/advancedlearningloans You can also download an application at www.gov.uk/advancedlearningloans If you need help, please contact us.

What information do I need to provide when applying for a loan?

You’ll need to provide details of the course you wish to study;

1) The fee you’re being charged;

2) The total amount of loan you want to take out;

3) Your personal details (name, address, etc) and evidence to confirm your identity. For UK passport holders this will just be your valid UK passport details (not a physical passport);

4) If you’re a UK national but don’t have a passport you’ll be asked to provide another form of evidence such as a UK birth certificate, which will be returned to you;

5) If you’re not a UK national you’ll need to provide physical identity evidence, as well as evidence that you’re a permanent resident inside the UK;

6) You’ll also need to provide a valid National Insurance number so that the loan can be paid to the college or training organisation on your behalf.

I don’t have a National Insurance number but I want to apply for a loan. What should I do?

A National Insurance number is required before the loan can be paid to the college or training organisation on your behalf. If you don't have one you will need to speak to a member of your education department arrange for a new one through the job center. This may mean that you’ll need to arrange an appointment with your local Job Centre to have one assigned to you.

How long will it take me to hear the outcome of a loan application?

Applications submitted online that don’t require any further supporting evidence (because you’ve provided your valid UK passport details) will be processed quickly and you should hear from us within two weeks. If you don’t apply online or you don’t send us the evidence we ask for at the time of application it will take longer.


How will I pay back the loan?

Repayments will be automatically deducted from your income through the tax system from the April after you complete or leave the course and your income is more than £21,000 a year.

How much will the repayment be?

Repayments will be made at 9% of your income over £404 a week, £1,750 a month or £21,000 a year. For example, if your income is £25,000 a year then your loan repayments would be around £360 a year or £30 a month. The repayments are based purely on income, not on the amount borrowed or number of loans. So, regardless of how much you owe, the repayments will be the same. If your income falls below £21,000, repayments will stop and only re-start when your income increases to more than £21,000.