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19+ Loan Information

What is a 19+ Advanced Learning Loan?

The Government has introduced 19+ Advanced Learner Loans to help learners, aged 19 and over, in further education pay the college or training organisation fee. Getting a Loan doesn’t depend on your household income and there’s no credit check. You won’t have to pay anything back until you’re earning over £21,000 a year. Once you earn over this amount you pay back 9% of the earnings you receive above this figure.

What are my repayments likely to be?

That depends on how much you earn, click on the link to the repayment calculator below to see how monthly payments relate to earnings.

Repayment Calculator

REMEMBER: loan repayments only start when you are earning over £21,000 per year.

What is the average salary in the UK for these professions?
Teaching Assistant
East Midlands £19,000
London £18,000
North West £17,000
Yorkshire and The Humber £17,000
East of England £17,000
South East £17,000
West Midlands £16,000
North East £16,000
Beauty Therapist
East of England £48,000
North West £46,000
London £46,000
South east £41,000
East Midlands £34,000
South West £34,000
Yorkshire and the Humber £34,000
(In GBP as of Sep 08th, 2014 )
Social Care Assistant
South West £18,000
East of England £18,000
South East £22,000
West Midlands £18,000
East Midlands £19,000
North East £18,000
Yorkshire and The Humber £18,000
North West £18,000
Nursery Worker
North East £44,000
North West £38,000
East of England £30,000
London £30,000
East Midlands £23,000
South West £21,000
Yorkshire and the Humber £20,000
West Midlands £19,000
South east £17,000
(In GBP as of Sep 08th, 2014 )

What if I never earn more than £21,000 per annum?

Currently if you do not exceed an annual salary of more than £21,000 your loan will never be repaid.

Repayments won’t start for any course until April 2016, but you can make voluntary repayments before then.

Can the 19+ Advanced Learning Loan be written off or cancelled?

Normally any outstanding loan you have will be written off 30 years after it becomes eligible to be repaid.

If you receive a disability-related benefit and are permanently unfit for work, it will be cancelled.

In addition, if you’re undertaking an Access to HE Diploma and then go on to complete an HE qualification the outstanding balance of your 19+ Advanced Learning Loan will be written off. To qualify for this write off you must have fully completed both courses. You do not need to take out a loan for the HE course. However, it must be eligible for funding by Student Finance England. The HE course does not have to relate to the Access to HE course you complete.

Who is eligible for a 19+ Advanced Learning Loan?

To be eligible for the loan you must be:

  • 19 or older on the first day of your course (there’s no upper age limit)
  • 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 starting your course on or after 1 August 2013

Is there an upper age limit?

There is no upper age limit in order to apply for a 19+ Advanced Learning Loan.

Is there a maximum amount of Loan available?

The course fees of the Stonebridge courses eligible for the 19+ Advanced Learner Loans can be entirely covered by the loan amount you are able to take out. However, if you wish to take out a smaller amount (not less than £300) and fund the rest yourself, you are able to do this.

Is 19+ Advanced Learning Loan available to students with existing qualifications?

Yes, previous qualifications that learners have achieved do not affect their ability to apply for a Loan to gain new qualifications.

What happens next?

Wondering what happens next? View our Advanced Learning Loan Journey Summary

Now that you have made your mind to start your journey please click on the "REGISTER NOW" button below (you will be required to complete a short numeracy and literacy skills test and then a short application form).

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You are eligible to enrol on our NUS Extra scheme from just £12 and claim big discounts. As a registered Stonebridge student, you can use the NUS extra card to get money off:

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