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Advanced Learner Loans

An Advanced Learner Loan helps with the costs of further education courses. Content provided by Student Finance England.

Student Finance England-branded blue strip of colour

If you’re aged 19 or over and studying an approved course at Level 3, 4, 5, or 6 at an approved college or training provider in England, you can apply for an Advanced Leaner Loan.

Eligibility for the loan doesn’t depend on your income, and there are no credit checks. Interest is charged from the date the first payment is made to the college or training provider.

The Advanced Learner Loan, plus any interest, has to be paid back, but not until you’ve finished or left your course, and your income is over the repayment threshold.

You may be able to get Adult Education Budget (AEB) grant funding if you're studying a level 3 qualification. Check with your college or training provider if your course is eligible for AEB grant funding. You should do this before you apply for an Advanced Learner Loan as you can’t get both types of support.


What's available?

The amount available depends on:

  • your course
  • the fees charged by your college or training provider

You can choose the amount you want to borrow, up to the maximum available. This is then put towards the fees charged by your college or training provider. The minimum you can borrow is £300.

Colleges and training providers may charge more than the maximum loan available. You’ll need to self-fund any difference between your loan and your course fee.

How many loans can you get?

A levels

  • You can apply for a loan to fund each course you take towards your A levels, up to a maximum of four A levels.
  • This means you can have up to eight loans if you’re taking each A level as two separate courses.
  • The courses must be in the same subject to qualify as a full A level.
  • You can get three more loans for non-A level courses, either before or after your course of A levels.

 

Advanced Learner Loan Bursary Fund

You can also apply to get money from the Loan Bursary Fund.

This money can help pay for things such as:

  • accommodation and travel
  • course materials and equipment
  • childcare
  • classroom assistance for a disability or learning difficulty

You should speak to your college or training provider to find out more, and to apply for the bursary.

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Eligibility

Whether you qualify for an Advanced Learner Loan depends on your:

  • course
  • age
  • nationality and residency status
  • previous study

Course information

You must be aged 19 or older on the first day of your course.

The course must be:

If you’re studying a Level 4 or 5 course with Higher Technical Qualification (HTQ) approval, you may be eligible for undergraduate funding unless you’re a direct entrant. 

Course length

The course must last at least two weeks to be eligible for funding, but there’s no maximum time limit in which you have to complete your course. However, there are maximum limits on how long Student Finance England can pay a loan for. The maximum time periods of eligibility are determined by the type of FE course.

The following table shows the maximum amount of time Student Finance England can pay a loan for, depending on the course.

Course Maximum time limit
Programme of A levels (AS or A levels) Two years (for each AS level or A level)
Access to Higher Education Diploma Two years
Any other eligible Level 3, 4, 5 or 6 course Three years

 

Nationality or residency status

You must usually:

  • be living in the UK on the first day of your course
  • have been ordinarily resident in the UK, the Channel Islands, or the Isle of Man for three years before starting your course
  • be a UK national, or have ‘settled status’ (no restrictions on how long you can stay in the UK)

You may be eligible for a loan to study at a learning provider in England if you are a UK national or have settled status in the UK and you have been living in the following for the three years before starting your course:

  • the UK, the Channel Islands, the Isle of Man and Ireland (with at least part of the time spent in Ireland), or
  • the UK, the Channel Islands, the Isle of Man and the specified British Overseas Territories (with at least part of the time spent in the specified British Overseas Territories)

You may be eligible for a loan to study at a learning provider in England if you are a family member of a person with settled status in the UK and you have been living in the UK, the Channel Islands or the Isle of Man for the past three years.

You can also apply if you’ve been living in the UK, Overseas Territories, the EEA or Switzerland for the past three years and are:

  • an EU national, the family member of an EU national or the family member of a Person of Northern Ireland and you have settled or pre-settled status under the EU Settlement Scheme, or you are in the process of applying for it (studying at learning providers in England only)
  • an EEA or Swiss worker, or the family member of an EEA or Swiss Worker, and you and your family member have settled or pre-settled status under the EU Settlement Scheme, or you are in the process of applying for it
  • the child of a Swiss national and you and your Swiss parent have settled or pre-settled status under the EU Settlement Scheme, or you are in the process of applying for it
  • an EU national or family member of an EU national and you have resident status in Gibraltar (studying at learning providers in England only)
  • the child of a Turkish worker (residence in Turkey is included in the three-year period) 

You can also apply if you’ve been living in the UK, Gibraltar, the EEA or Switzerland for the past three years and are:

  • a UK national, the family member of a UK national or an Irish citizen, and were living in the EEA or Switzerland on 31 December 2020, or living in the UK on 31 December 2020 after returning from the EEA or Switzerland on or after 1 January 2018 (studying at learning providers in England only if you are an Irish citizen)
  • a UK national or family member of a UK national and you have resident status in Gibraltar (studying at learning providers in England only)

You can also apply if you have one of the following Home Office statuses:

  • Humanitarian protection or the family member of someone with this status
  • Stateless status or the family member of someone with this status
  • Refugee status or the family member of someone with this status
  • Calais leave and dependent child granted ‘leave in line’
  • Leave to remain under section 67 of the Immigration Act or the dependent child of someone with this status
  • Indefinite leave to remain in the UK as the victim of domestic violence or abuse
  • Indefinite leave to remain as a person who has been a bereaved partner
  • You or your family member have been granted limited or indefinite leave to enter or remain under the Afghan Relocations and Assistance Policy (ARAP) or the Afghan Citizens Relocation Scheme (ACRS)
  • You or your family member have been granted leave to enter or remain in the UK under the Ukraine Family Scheme, the Homes for Ukraine Sponsorship Scheme or the Ukraine Extension Scheme

You could also be eligible if you’re not a UK national and have been living in the UK for at least half your life or at least 20 years. You must have limited leave to remain (including discretionary leave to remain) and have lived in the UK, Channel Islands or Isle of Man for three years before the first day of your course. You must also live in England on the first day of your course.

Student Finance England has created an eligibility tool to use if you’re considering an Advanced Learner Loan.

Previous Advanced Learner Loans

You can usually only get a maximum of four Advanced Learner Loans.

The exception to this is if you’re studying an AS or A level, where you can apply for up to a maximum of eight loans for a programme of A level study, and can still get a further three loans for other designated further education courses that are not AS or A levels. Previous study won’t affect your entitlement to your first loan.

You’ll be able to get up to four loans for the same type of vocational qualification. However, you’ll still only be entitled to one loan for a programme of A levels, or an Access to HE Diploma.

How to apply

When you apply for student finance, you'll need to agree to our terms and conditions:

To apply for an Advanced Learner Loan, simply follow these steps:
  1. Check with your course provider that the course qualifies for an Advanced Learner Loan
    Your college or training provider should then send you a 'Learning and Funding Information' letter. You need this to complete the application.
  2. Apply online
    If you've applied for student finance from Student Finance England before, you should use the same login details.
    They'll ask for information about:
    • your personal details, National Insurance number, and contact information
    • your nationality and residency
    • your course
    • how much you'd like to borrow
  3. Student Finance England will write to you to confirm your loan
    This will usually be within two weeks, if you applied online – paper applications will take longer to process.

You should check the information on the letter to confirm the amounts and course details are correct. Make sure you let Student Finance England know immediately if anything is wrong or has changed since your application.

If Student Finance England needs more information or evidence, you should send this as soon as possible to avoid any delays with your payments.

Any other forms Student Finance England may ask for can be found at www.gov.uk/advanced-learner-loan.

Advanced Learner Loans explained - 2023 to 2024

Change of circumstance

If your circumstances change, this can affect your eligibility. You can update your information using your online Student Finance England account. You can also change your loan amount using Student Finance England's loan request form.

If you can’t update your information online, you should contact Student Finance England.


How it's paid

Payments are made directly to your college or training provider each month. Your attendance must be confirmed before any payments will be made.

Confirmation of attendance

Your uni or college will need to confirm your attendance two weeks after you’ve started your course, and every three months after that.

If you stop attending your course

If you stop attending at any point, your uni or college should let Student Finance England know as soon as possible, so they can stop any further payments.