19+ Advanced Learning Loans

If you’re 19 or over and want to study qualifications at level 3 or 4, you will have to pay your college or training organisation for the cost of your course. If you are employed, your employer may be willing to pay some or all of your course fees.

The 19+ Advanced Learning Loan has been introduced by the Government to help you meet the costs of getting these qualifications. It’s easy to apply for and doesn’t involve a credit check or take your household income into account.

You pay the loan back in instalments but not until you’re earning over £21,000 a year.


To be eligible for a 19+ Advanced Learning Loan you must:

  • be aged 19 or over at the start of your course
  • be undertaking an eligible course at Level 3 or above at an approved college or training organisation in England
  • be living in the UK on the first day of your course
  • have been living in the UK for 3 years before starting your course
  • be a UK national or have ‘settled status’ (this means there’s no restrictions on how long you can stay).

More on Eligibility

Which course?

A 19+ Advanced Learning Loan can be used to pay for the following advanced and higher level courses at tpm:

  • Diploma in Business Administration (BIIAB) Level 3
  • NVQ Diploma in Hairdressing (VTCT) Level 3
  • Diploma for the Early Years Workforce (Early Years Educator) (CACHE) Level 3

How to apply

To apply for a loan to fund a tpm course:

  • Contact tpm to find out if the course is right for you
  • Ask tpm for a ‘Learning and funding information’ letter – you need this to complete the application. It contains the details about your course.
  • Apply online or download the forms
  • You’ll get a letter confirming your loan – usually within 2 weeks if you apply online (postal applications take longer).


Repayments will be automatically deducted from your income through the tax system from the April after you complete or leave the course but only when your income is more than £21,000 a year.

How much will the repayment be?

Repayments will be made at 9 per cent of your income over £404 a week, £1,750 a month or £21,000 a year. For example, if your income is £25,000 a year then your loan repayments would be around £360 a year or £30 a month. The repayments are based purely on income, not on the amount borrowed or number of loans. So, regardless of how much you owe, the repayments will be the same. If your income falls below £21,000, repayments will stop and only re-start when your income increases to more than £21,000.

Before taking out any loan, you should consider all your options. If you want advice on managing your finances, you can get impartial money advice from the Money Advice Service at www.moneyadviceservice.org.uk

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