19+ Learning Loans






Learners aged 19 and over, studying at level 3 and above, now qualify for a Learning Loan to help pay tuition fees.

Your household income isn’t taken into account, there’s no credit check and you won’t have to pay anything back until your income is over £21,000 a year.

To qualify you must be:

  • Aged 19 or over 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 three years immediately before this
  • Studying with a college or training organisation in England approved for public funding
  • Enrolling on an eligible Level 3 course and above.

What courses does VTS offer? 

Courses we offer that are eligible for a 19+ Learning Loan include:

(click each course for more information.)

How much can I get?

The amount you can get depends on your course, the tuition fees charged 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 tuition fee or you can pay all or part of the tuition fee yourself.

How’s the loan paid?

Student Finance England (SFE) will pay your agreed tuition fees to VTS once your attendance on the course has been confirmed.

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  £21,000 per year.

If you stop working, your repayments will stop and only start again when your income is more than £21,000 a year.  If your income drops or rises, 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’re self-employed, you’ll be responsible for making student loan payments as part of your annual self-assessment tax return.

You’ll be due to start repaying your loan in the April after you leave or finish your course – whichever comes first. Any loan remaining 30 years after you’re due to start making repayments will be cancelled.

Let us know if you’re interested and we’ll check your eligibility and get you started with your application. 

For more information, go to: https://www.gov.uk/advanced-learner-loan/overview




To discuss further, contact us on 01702 353557 or email [email protected] for more details.