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24+ Advanced Learning Loans

A 24+ Advanced Learning Loan is a government funded loan to help you pay the tuition fees charged by colleges and training organisations. Most learners aged 24 and over, studying at Level 3 and above, will qualify for these loans. It is easy to apply, your household income is not taken into account and there is no credit check. You will not have to pay anything back until your income is over £21,000 per year

Which courses are included?


Do I qualify?

To qualify you must be aged 24 and over on the first day of your course, living in England on the first day of your course and have lived in England, the Channel Islands or the Isle of Man for 3 years immediately before this. You must be studying with a college or training organisation in England that is approved for public funding.

Living in Scotland?

24+ Advanced Learning Loans are available to students living in Scotland providing your attendance for a qualifying course is at a venue in England.

How much can I get?

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


Monthly repayments will be based on your income, not what you borrowed. You will only start making repayments when your income is more than £404 per week, £1,750 per month or £21,000 per year and will only pay back 9% of any income above £21,000 per year. See table below for examples.

How is the loan paid?

Student Finance England (SFE) will pay your agreed tuition fees to your college or training organisation once they have confirmed your attendance on the course. They do not forward any payments directly to you.

You can apply more than once

Once you have completed your course you will be eligible to apply for more 24+ Advanced Learning Loans up to a total of 4 loans to help you progress in your studies

Making the right choice

It is important that you consider your own circumstances and look into all options for paying for your course before choosing to take out a loan. You can get independent financial advice from the Money Advice Service at

Income each year

Before tax Monthly salary Monthly repayment
Up to £21,000 £1,750 £0
£22,000 £1,833 £7
£25,000 £2,083 £30
£30,000 £2,500 £67
£35,000 £2,917 £105
£40,000 £3,333 £142

If you are paid monthly and earn £2,500 before tax you would repay 9% of the difference between what you earn and what the individual threshold is: £2,500 – £1,750 = £750. 9% of £750 = £67.50. Your loan repayment would be £67 in that month. If your income drops or rises, for example if you receive a bonus, your repayment amount will automatically change to reflect this. You can make voluntary payments at any time to pay off your loan more quickly.

  • If you are self-employed you will be responsible for making student loan repayments as part of your annual self-assessment tax return.
  • If you are employed you do not need to do anything. Your employer will take your repayments directly off your salary as they do with Tax and National Insurance Contributions.
  • If you stop working, your repayments will stop and only start again when your income is more than £21,000 per year.
  • The loan repayment is calculated each time you receive a wage/salary payment, therefore if your income is greater than £404 per week or £1750.00 per month in any pay period you will make a loan repayment on the income above these thresholds.
  • You will be due to start repaying your loan in the April after you leave or finish your course, whichever comes first. If you leave or finish your course before April 2016 you will not start making repayments until after this date.
  • Any loan remaining 30 years after you are due to start making repayments will be wiped.
  • Interest on your loan will be based on inflation (Retail Price Index (RPI) the table below shows how interest is calculated.

While studying and until the April after you finish or leave your course Retail Price Index (RPI) plus 3% If you finish or leave your course before April 2016 RPI plus 3% until the April after you leave your course then RPI From April 2016 Interest will be based on your income: £21,000 or less – RPI £21,001 to £41,000 – RPI plus 3% depending on income £41,001 and over – RPI plus 3%

Find out more

For more information get in touch with us on 01274 728316.

01274 728316

City Training Services, 39/41 Chapel Street, Little Germany, Bradford, West Yorkshire, BD1 5BY
© Training for Bradford Ltd. (trading as City Training Services) 2017
Company Registration No.: 01964653

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