Advanced Learner Loan

Information for learners

Enrol on the course you need for the future you want, without paying anything upfront thanks to an Advanced Learner Loan!

An Advanced Learner Loan gives you the opportunity to train today, and pay for your course later – making it a really affordable way to gain the skills and knowledge you need to take the next step in your chosen career.

“The advanced learner loan opened the door to countless possibilities for me.
I had always wanted to be an educator, and now thanks to the
learning loan, I have been able to achieve this.”

Trish Sharkey, Advanced Learner Loan student

If you’re earning £30,000 per year, your monthly repayment is just £37.50.

What you need to know

  • Do you live in the UK and have been for the past 3 years?
  • Are you aged 19 or more?
  • Are you interested in studying a level 3 – 6 course?

If your answers are yes, you can apply for a 19+ Advanced Learner Loan!

The amount you can get depends on your course, the tuition fees charged by your training provider and maximum amounts set by the government. The minimum loan amount is £300. We will discuss your course fees with you prior to you enrolling.

Student Finance England (SFE) will pay your agreed tuition fees directly to your training provider once they’ve confirmed your attendance on the course.

Your monthly repayments will be based on your income, not what you have borrowed and you’ll only start making repayments when your income is more than £520 per week, £2,083 month or £25,000 per year.,

You’ll pay back 9% of any income above £25,000 a year, so for example, if you earn £25,000 per year, your monthly repayment will be £0. If you earn £35,000 per year, your monthly payment will be £37.50.

If your income drops or rises, for example if you receive a bonus, your repayment amount will automatically change to reflect this.

You’ll be due to start repaying your loan in the April after you leave or finish your course.

It’s important you consider your own circumstances and look into all options for paying for your course before choosing to take out a loan. You can get independent financial advice from the Money Advice Service at

Progress to Excellence Ltd will be exiting the apprenticeship market, with immediate effect. We will also stop offering funding for courses via Advanced Learner Loans.

All employers and learners are being notified of this situation, and where necessary, they will be supported by ourselves and the ESFA to find suitable alternative training to support their professional development.