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24+ Advanced Learning Loans

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PDM Newsletter

24+ Advanced Learning Loans

19 March 2013

From 1st August 2013, 24+ Advanced learning Loans will be available from the UK government for learners aged 24 and above to fund the tuition fees for study at Level 3 and above, including Advanced and Higher Apprenticeships.

The loans will work on a similar basis to the current loans system for Higher Education meaning that individuals will only start to pay their loans back once they have completed their study or training and are earning over £21,000 per annum.

Do I qualify for a 24+ Advanced Learning Loan? Yes if you are….

•    Aged 24 or above on the first day of your course and starting it on or after 1st August 2013

•    Living in the UK on the first day of your course and have lived in the UK, Channel Islands or Isle of Man for three years immediately before this

•    Are a UK or EU resident or meet residency criteria

•    Studying with a college or training organization in England approved for public funding

•    Enrolling on an eligible course at Level 3 and above which includes AS/A levels; Access to HE Diplomas; other Diplomas or Certificates, Advanced Apprenticeships or Higher Apprenticeships. You can get further information on which qualifications are eligible for loans through the National Careers Service website at Please note that the loans will not be available to students intending to study HNC/D programmes.

If learners take out a loan for an Access course and subsequently go on to higher education and complete their programme, they can apply to the Student Loans Company to write off the outstanding loan amount for the Access course.

When and how do I apply?

You can start applying from April 2013 for courses starting after 1 August 2013.

You can apply online or download an application form.

Further details on the loan application process can be found here

How much can I take out as a loan?

This will depend on the course you are doing, the tuition fees charged by the College and maximum amounts set by the Government. The minimum amount you must borrow is £300.

You can take out a loan for the maximum amount of your tuition fee or you can pay all or part of the tuition fee yourself. There is no loan to cover living or maintenance expenses.

If you’re undertaking an Apprenticeship, the amount of loan available will take account of the contribution your employer will be expected to make towards the costs of your training.

Once you have completed your course you will be eligible to apply for more 24+ Advanced Learning Loans to help you progress in your studies. You can apply up to a total of four loans.

How’s the loan paid?

Student Finance England (SFE) will pay your tuition fees to College once the course has started and we have confirmed your attendance on it. No loan payments will be made by them to us until you have attended the course for at least two weeks.

You will only start to repay the loan after you have complete your course and are earning over £404 per week, £1750 per month or £21,000 per year.

You will only pay 9% of any income earned above £21,000 per year.

Interest on the loans will be lower than anything available on the high street and linked to inflation. Any loan remaining 30 years after you’re due to start making repayments will be wiped.


A discretionary bursary is available for learners who meet the requirements of a learner needs assessment. This is a limited amount of money that will be allocated on a first come first served basis until it has been exhausted. It is available to cover such things as child care, travel costs to work or learning resourses.

Useful links

For further information, please visit one of the specialized sites below or email

Official website:

Independent Financial Advice:

Qualifications and careers information: National Careers Service or helpline: 0800 100 900