Advanced Learner Loans

You can now apply for an Advanced Learner Loan if you are aged 19 or over to help with the costs of a course.

Loan eligibility doesn’t depend on your income and there are no credit checks.


You must usually:

How much can I get?

How much you get depends on:

The minimum loan you can get is £300 and is paid directly to your training provider.

You don’t have to borrow the full cost of your course – you can pay for some of it yourself.

How many can I apply for?

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, e.g. the same level qualification in History if you’ve already had a loan for the same level in Maths.


Repayments start the April after you complete or withdraw from your course.

You pay back your loan (plus interest) when you finish your course and earn more than £25,000 a year. Your repayments will stop if your income drops below £25,000 a year.

Your annual repayment amount will be 9% of any income you earn over £25,000.

Your monthly repayments would be:

Your employer will work out your repayments and take them out of your salary with your tax.
If you’re self employed, you make repayments as part of your Self Assessment tax return. You can pay some or all of your loan at any time without an extra charge.

How to apply

To begin the application process you will need a ‘Learning and funding information letter’ from FW Solutions. You will then need to complete an online application which we will help you with. Usually this process takes 2 weeks and you will then receive a letter confirming your loan. Please get in touch with Rebecca Warden: or with head office on 01423 536672 to enquire.

Try the eligibility calculator

Practice your application with the online walkthrough

For further information please visit