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19+ Advanced Learning Loans - Information page for Learners

Almost anyone who is 19 or over and wishes to study for a qualification at level 3 to level 6 will be able to get an Adult Learning Loan to cover tuition fees. 

What can Advanced 19+ Advanced Learning Loan do for me, and why should I get one?

Advanced Learning Loans have enabled learners to progress in their chosen career, or even move into a totally new career. The benefits of an Advanced Learning Loan can mean improved job prospects, career progression in your current job and higher wages. 

Important information to help you understand Learning Loans

  • When applying for a 19+ Advanced Learning Loan, there is no credit check and household income isn’t taken into account.
  • Loan repayments are linked to what you earn when you’ve finished your course, not how much you borrowed.
  • You only need to start paying back your 19+ Advanced Learning Loan when you’ve finished your course and earning more than £21,000 a year.
  • If you want to make voluntary repayments, you can do so at any time.
  • Loan repayments will be taken directly from your wage through the tax system.
  • You may be able to get financial support for living expenses, this depends on where you live and your household income.

For more information about the financial aspects of Advance Learning Loans, visit our rates and repayments page - rates and repayments

Managing your money

Before taking out any loan, you should consider all your options. If you want advice on managing your finances, you can get impartial money advice from the Money Advice Service.

More advice

For information on learning, career and funding options, visit the National Careers Service.

Bursary Fund

You may also be eligible for money from the 19+ Advanced Learning Loan Bursary Fund if you need help with your learning or living costs – e.g. childcare or accommodation expenses.

You need to apply to your college or training provider directly for the Bursary Fund. You can apply as soon as you’ve received a letter confirming your 19+ Advanced Learning Loan.

Read more about Bursary Funds here.

How do I access a Loan?

You can apply for a loan through Student Finance England on the link below. You don’t need to have a course confirmed to apply, but it may be worth checking that there is a college or training provider in your area that offers the course you want to study, to ensure you can use the loan you apply for.

Student Finance England.

The Student Finance England site also offers a calculator to assist you in finding out how much of a loan you can get and any other support funds that might be available.