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Advanced Learner Loans

Advanced Learner Loans are a government funded initiative to help you to pay tuition fees charged by colleges and training organisations. Most learners aged 19 and over, studying at Level 3 and above, will qualify for these loans.

It is easy to apply, your household income is not taken into account and there is no credit check. You will not have to pay anything back until your income is over £25,000 per year.

Which courses are included?

Look out for the courses featuring our 19+ stopwatch symbol.
Advanced Learner Loans may be available to you for the
following courses: All Personal Trainer qualifications, Specialist Practitioner, Level 4 Low Back Pain and Level 4 Obesity and Diabetes, Exercise Referral and Sports Massage.

Do I qualify?

In most cases, all of the following must apply. You must:

be living in the UK on the first day of your course

have been living in the UK, Channel Islands or Isle of Man for 3 years before starting your course

be a UK national or have ‘settled status’ (this means there are no restrictions on how long you can stay)

attend a course in England run by an approved college or training provider (Like us).

If you’re not sure if you qualify please call us to check.

How much can I get?

This depends on your course, the tuition fees charged and
the maximum amounts set by the Government. The minimum loan
amount is £300. You can take out a loan for the maximum
amount to cover most of your tuition fee or you can pay all or
part of the tuition fee yourself.


Monthly repayments will be based on your income, not what
you borrowed. You will only start making repayments when your
income is more than or £25,000 per year and will only pay back 9% of any
income above £25,000 per year. See table below for

How is the loan paid?

Student Finance England (SFE) will pay your agreed tuition
fees to your college or training organisation once they have
confirmed your attendance on the course. They do not forward
any payments directly to you.

You can apply more than once

Once you have completed your course you will be eligible to
apply for more 19+ Advanced Learner Loans up to a total of 4
loans to help you progress in your studies.

Making the right choice

It is important that you consider your own circumstances and
look into all options for paying for your course before
choosing to take out a loan. You can get independent financial
advice from the Money Advice Service at

Income each year

Before taxMonthly salaryMonthly repayment
Up to £25,000£2,083£0

If you are paid monthly and earn over the monthly threshold you
would repay 9% of the difference between what you earn and what
the individual threshold is. If your income
drops or rises, for example if you receive a bonus, 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 are self-employed you will be responsible for
making student loan repayments as part of your annual
self-assessment tax return.

If you are employed you do not need to do anything.
Your employer will take your repayments directly off your
salary as they do with Tax and National Insurance

If you stop working, your repayments will stop and only
start again when your income is more than £25,000 per

The loan repayment is calculated each time you receive
a wage/salary payment, therefore if your income is greater
than the threshold in any pay period, you will make a loan
repayment on the income above these thresholds.

You will 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 are due to start
making repayments will be wiped.

Interest on your loan will be based on inflation
(Retail Price Index (RPI)

Find out more

For more information get in touch with Focus Training on 0800 999 6664. Get in Touch

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If you have any questions or require further guidance you can speak with one of our expert advisors by calling

0800 999 6664

(FREE to call from mobiles)