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Advanced Learner Loans

  • If you are aged 19+ it is likely that you will be eligible for an Advanced Learner Loan
  • Pay for your course via a government backed loan available via the student loans company
  • Pay it back via your wage slip when you earn over £524 a week, £2,274 a month or £27,295 a year
  • Progress in your chosen career!


Advanced Learner Loans are available via government approved providers who hold contracts with the ESFA.

Learners are able to purchase an eligible programme via the Advanced Learner Loan issued by the Students Loan Company.

Learners pay the cost of the course back via their wage slip once they earn over £524 a week, £2,274 a month or £27,295 a year.

Learners can access up to 4 Advanced Learner Loans which can be accessed simultaneously.

Advanced Learner Loans are widely accessible. If you are:

  • Aged 19+ it is highly likely you will be eligible for an Advanced Learner Loan

You can check your eligibility here

In order to apply for an Advanced Learner Loan you must first contact CMS.

A CMS representative will then inform you of your options and provide any information, advice and guidance to ensure you make the right decision for you.

Once you are satisfied that the Advanced Learner Loan is the right approach for you, you will be asked to complete an online application form. When your online form is received a course tutor will arrange to discuss the course content, structure and expectations of the programme with you.

If you are still satisfied, then you will be provided with a Learning and Funding Information Letter.  This letter will provide you with all the information you need to apply for the Advanced Learner Loan.

You can then apply for your Advanced Learner Loan online.


You will be required to repay any Advanced Learner Loan once you earn over £524 a week, £2,274 a month or £27,295 a year. Voluntary repayments can be made.

What you’ll repay

Repayments are based on your income, not on what you borrow or the number of student loans you have. This is known as an ‘income contingent’ repayment.

You’ll repay 9% of your income over £27,295 a year. For example, if you’re paid monthly and earn £2,500 before tax you’d repay 9% of the difference between
what you earn and what the threshold is:

£2,500 – £2,274 = £226
9% of £226 = £20.34
So your student loan repayment would be £20 in that month.

If your income changes, your repayment amounts will automatically change to reflect this.

Learners are charged interest from the day the first payment is made. Repayments commence from the April after a learner leaves programme.

Further information on Advanced Learner Loan repayments can be found here:

  1. Gov.uk Repaying your student loan
  2. Advanced Learner Loan Term and Conditions

Frequently Asked Questions

You will have to earn more than £27,295 per year to start repaying your debt automatically.

Until this threshold is passed on a prorated monthly basis no repayment will be taken from your wage slip.

You are still able to make voluntary repayments whenever you like.

Your Advanced Learner Loan will not be paid to your institution or training organisation until you’ve been confirmed as in attendance on your course for at least two weeks.

If you quit the course after more than two weeks, you will be responsible for any Advanced Learner Loan payments made based on the amount of time you were there.

If you stop going to class, your Advanced Learner Loan payments stop as well but please inform your training provider via email if you wish to withdraw.

Your Advanced Learner Loan will be automatically repaid via deductions from your wage slip once you earn over £27,295 per year. These deductions are taken before tax and is automated by the HMRC.

If you never earn over £27,295 per year then you will never make a repayment and the Advanced Learner Loan is cancelled after 30 years. The Advanced Learner Loan will accrue interest in this time.

There is no credit check or upper age limit, and you could still acquire another loan regardless of your household income.

You will not be required to make repayments if you are not making any money. The payment arrangements are based on a salary of £27,295 per year (or the equivalent). You don’t have to pay anything until then.

Any remaining balance will be wiped off if you do not repay the Advanced Learner Loan within 30 years.

The Advanced Learner Loan does not show up on your credit report, which is what banks look at when approving mortgages. As a result, the Advanced Learner Loan will have no bearing on that decision.

Advanced Learner Loans are confirmed within 2 weeks of application normally. Your provider may allow you to start your studies while you are waiting for confirmation of approval.

Living expenses are not covered by the Advanced Learner Loan. Consider the Advanced Learner Loan for education and benefits for living essentials.

However, if you study/train for more than 16 hours a week, you should speak with your Jobcentre Advisor because taking a course could affect your benefits.

Yes. Your previous qualifications will have no bearing on your ability to obtain an Advanced Learner Loan. You won’t be allowed to take out another Advanced Learner Loan to do the same type of course at the same level if you’ve received an Advanced Learner Loan to do a course. Additional Advanced Learner Loans will be available to help you complete additional types or levels of approved courses. There is no obligation to advance through the levels of qualification.

Learners are normally limited to four Advanced Learner Loans. The only exception is if they’re studying for an AS or A level, in which case they can apply for up to 8 Advanced Learner Loans, plus a further three for courses that aren’t AS/A Levels.

No. They are available to anyone aged 19+ on the first day of their programme.

On behalf of a person, advanced learner loans are paid directly to the institution or training organisation. They are neither means tested or subject to credit checks, and anyone who satisfies the criteria, regardless of their present work position, can apply for a Advanced Learner Loan.

It will be determined by how much of the course you have completed. If you have not attended your programme for more than two weeks, you may simply cancel it and it won’t count against your total number of Advanced Learner Loans.

The training provider will validate your attendance after two weeks on a course, and you will be responsible for any Advanced Learner Loan payments paid to your training provider up until the time you leave programme.