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19+ Advanced Learning Loans

For Level 3 and 4 courses

19+ Advanced Learner Loans are for further education students to help pay the tuition fees charged by colleges and training organisations, and are similar to higher education loans. If you are 19 years and older, you can apply for a loan to help with the costs of a range of accredited Level 3 and above courses with Kent Training and Apprenticeships, when these courses are available for enrolment.

To qualify you will need to be:

  • Aged 19 and over on the first day of the course
  • A resident in the UK for 3 years prior to the start of the course
  • Enrolling on a course at Level 3 and above, such as A Levels, Access to HE Diplomas, other Diplomas and Certificates, Advanced Apprenticeships and Higher Apprenticeships

The loans are not means tested or credit checked, and any individual who meets the criteria will be able to apply for a loan whether they are employed or unemployed. The loan will then be paid directly to the learning provider on your behalf. You can apply for a part loan for your course but the minimum loan value is £300.


  • You do not pay any course fees upfront
  • Repayments start the April following the completion of your course
  • You pay back your loan (plus interest) when you’ve finished your course and start earning more than £26,568 a year
  • If your income drops below £26,568 a year then loan repayments stop
  • Each month you pay back 9% of any income over £26,568. For example if you earn £27,000 a year your monthly repayments would be £9

How to apply:

  • Following confirmation of your course place you can apply online by visiting, where applications can also be downloaded for printing and completion
  • You will be able to apply even if your course has already started but you have to apply before it finishes
  • It can take up to five days to process an application (or 2 to 4 weeks if you apply by post)
  • You need a National Insurance number before any money can be paid
  • You can still apply for a loan before you have got a National Insurance number
  • You will need your passport details or another form of identity to apply e.g. your birth certificate.

Key Facts

Do I qualify?

To qualify you must be:

  • Aged 19 or over on the first day of your course
  • Living in the UK on the first day of your course and have lived in the UK, the Channel Islands or the Isle of Man for 3 years immediately before this unless you meet one of the exceptions detailed in the ‘Frequently Asked Questions (FAQs) – Learners’
  • Studying with a college or training organisation in England approved for public funding
  • Enrolling on an eligible course at Level 3 and Level 4 which includes: A Levels, Access to HE Diplomas, other Diplomas and Certificates, Advanced Apprenticeships or Higher Apprenticeships

These loans do not cover Degrees or other forms of Higher Education (HE). For information on funding for HE go to

How much can I get?

The amount you can get depends on your course, the fees charged by your college or training organisation and maximum amounts set by the government. The minimum loan amount is £300. You can take out a loan for the maximum amount to cover your fee or you can pay all or part of the fee yourself.

Course fees

The fee for your course will be set by your college or training organisation. They’ll confirm the cost and the amount that can be covered by a loan before you enrol.

How’s the loan paid?

Student Finance England will pay your agreed loan to the college or training organisation once they’ve confirmed your attendance on the course.

How many loans can I get?

Once you’ve completed your course, you’ll be eligible to apply for more 19+ Advanced Learning Loans (up to a total of four loans).

Studying A Levels

If you’re studying A Levels (including A Level, AS and A2 qualifications) you can apply for up to four loans to cover the costs of your A Level programme. You can apply for more than one loan to study A Levels at the same time. You should complete a separate application for each qualification. You can also get three more loans for non A Level courses.


Repaying your 19+ Advanced Learning Loan is straightforward

  • Your monthly repayments will be based on your income, not what you borrowed
  • You’ll only start making repayments when your income is more than £511 per week, £2,214 per month or £26,568 per year
  • You’ll only pay back 9% of any income above £26,568 a year.



Income each year before tax Monthly Salary Monthly Repayment
Up to £26,568 £2,214 £0
£27,000 £2,250 £9
£29,500 £2,458 £28
£31,000 £2,583 £39
£33,000 £2,750 £54
£35,000 £2,917 £69


Please note; these figures are correct as from April 2020, they are revised every April and are subject to change.

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