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19+ Advanced Learner Loans

Advanced learner loans are available for individuals aged 19 or above to undertake approved qualifications at levels 3 to level 6, at an approved provider in England.

Eligibility and availability

Advanced Learner Loans give individuals access to financial support for tuition costs similar to that available in higher education and are administered by Student Finance England.

In addition to individuals studying level 3 to level 6 qualification in England, Advanced Learner Loans can be used to fund Access to HE courses. Student Finance England will ‘write off’ any outstanding Advanced Learner Loan balances you owe for an Access to HE course once you complete a higher education course. This means you do not have to repay it. The higher education course must be eligible for student finance.  View the full list of Access to HE course offered by One Awards (part of NOCN Group).

The availability of loans at level 3 for 19 to 23-year-olds does not replace an individual’s legal entitlement for full funding for a first full level 3 qualification.  If you want to apply for a loan or find out what it means for you, see the quick guide on advanced learner loans.

How are the loans paid?

Advanced learner loans are paid directly to the college or training organisation on behalf of an individual.

They are not means-tested or subject to credit checks and any individual who meets the criteria will be able to apply for a loan regardless of their current employment status.

How is an Advanced Learner Loan Repaid?

You’ll have to start repaying your loan when your income is over a certain amount (the ‘threshold’ amount).

You’ll be charged interest from the day you get the first payment.

More information

The government website offers useful advice, guidance and a full breakdown of the rules for the use of Advanced Learner Loans