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How 24+ Advanced Learning Loans help you pay for college or training

How 24+ Advanced Learning Loans help you pay for college or trainingIf you're 24 or over, you could get a loan to help with the fees for college study or a training course.

What does it pay for?

24+ Advanced Learning Loans help to cover the fees charged by your college or training organization. Unlike student loans, they don't help with living costs, but your provider might be able to offer you further financial support.

The loan is paid directly to your provider.

How much can I get?

Exactly how much you can get depends on the kind of course you will be doing, but it should cover the fees for your course. Your college or provider will be able to tell you how much you can get for the course you want to take. You can't borrow more than the actual fees charged for the course.

You don't have to borrow the full amount: you can choose to take less and make up the difference yourself.

Unless you're taking A-levels, you can take a maximum of four loans and you can't take more than one at once. If you take A-levels, you can take up to four loans at the same time to pay for them - one for each A-level. You'll still be able to get up to three more loans to take other qualifications after your course.

You can't take more than one for the same type of course at the same level.

When do I repay?

You won't have to repay the loan until you've finished or left your course and are earning more than £21,000 a year. You will then pay back 9% of anything you earn over £21,000. After 30 years, anything you haven't paid back is written off.

How much interest you pay will depend on how much you earn. If you earn less than £21,000, interest will be at the RPI inflation rate. As you earn more, this goes up. If you earn £41,000 or more, the interest will be at the maximum RPI + 3%.

This is the same repayment system used for student loans for university.

If you leave your course early, some of your loan might not have been paid to your provider, which means you won't have to pay as much back. However, depending on what you agreed when you started your course you might have to pay further fees out of your own pocket.

Who qualifies?

To qualify, you need to:

  • be 24 or over
  • be a UK national (or have settled status)
  • be living in the UK when your course starts
  • have lived in the UK for three years before your course starts
  • be doing a Level 3 or Level 4 qualification or an Advanced or Higher Apprenticeship

How to get a 24+ Advanced Learning Loan

You can apply online or download a paper form from

To apply, you'll need a Learning and Funding Information Letter from your provider, which you should get when you enquire about your course.

Going to university

If you go on to university after your course, the repayments for your Advanced Learning Loan and university student loans will be combined, so you'll only have to make one monthly repayment.

If you use your loan to pay for an Access to HE course and go on to complete a degree, your Advanced Learning Loan will be written off. You'll only have to repay any loans you took out for university.