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Loans for students aged 19 and over

Advanced Learner LoansAdvanced Learner Loans 

  •   Anyone over 19 can apply for a loan to study – there’s no upper age limit

  • Student Finance England will ‘write off’ any outstanding Advanced Learner Loan balances you owe for an Access to HE course once you complete a higher education course. This means you don’t have to repay it.

    The higher education course must be eligible for student finance.

  • Loan eligibility doesn’t depend on your income and there are no credit checks.
  • The minimum loan you can get is £300
  • You can apply for up to 4 loans and you can get more than one at the same time.
  • You can apply for another loan to take the same level of a course, eg the same level qualification in History if you’ve already had a loan for the same level in Maths.
  • Level 3, 4, 5 or 6 qualification, eg A Levels or graduate certificate 
  • You only start paying your loan back if you start earning over £21,000 – if you never earn this much you will never pay it back as loans get written off after 30 years or at the death of the learner.
  • When you start paying it back you only pay back 9% on any income above 21,000 (current amount) so if you start to earn £22,000 your repayment would be made on £1000 which is approximately £7 per month
  • You may also be eligible for money from the Advanced Learner Loan Bursary Fund if you need help with some costs while studying, eg childcare, travel or trips related to your course. 


Further information regarding student loans can be found on the following pages:


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Learner Handbook 2016-17

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