Focus Training - Personal Trainer Courses
Personal Trainer Certifications
FREE to call from mobiles
0800 999 6664

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 £21,000 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?

To qualify you must be aged 19 and over on the first day of
your course, living in England on the first day of your course
and have lived in England, the Channel Islands or the Isle of
Man for 3 years immediately before this. You must be studying
with a college or training organisation in England that is
approved for public funding.

Living in Scotland?

19+ Advanced Learner Loans are available to students living in Scotland providing your attendance for a qualifying course is at a venue in England.

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 £404 per week, £1,750 per month
or £21,000 per year and will only pay back 9% of any
income above £21,000 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 tax Monthly salary Monthly repayment
Up to £21,000 £1,750 £0
£22,000 £1,833 £7
£25,000 £2,083 £30
£30,000 £2,500 £67
£35,000 £2,917 £105
£40,000 £3,333 £142

If you are paid monthly and earn £2,500 before tax you
would repay 9% of the difference between what you earn and what
the individual threshold is: £2,500 – £1,750 =
£750. 9% of £750 = £67.50. Your loan
repayment would be £67 in that month. 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 £21,000 per
  • The loan repayment is calculated each time you receive
    a wage/salary payment, therefore if your income is greater
    than £404 per week or £1750.00 per month 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. If you leave or finish your course before
    April 2016 you will not start making repayments until after
    this date.
  • 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) the table below shows how
    interest is calculated.

While studying and until the April after you finish
or leave your course
Retail Price Index (RPI) plus 3%
If you finish or leave your course before April
RPI plus 3% until the April after you leave your
course then RPI From April 2016 Interest will
be based on your income: £21,000 or less – RPI
£21,001 to £41,000 – RPI plus 3% depending on
income £41,001 and over – RPI plus 3%

Find out more

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

Need guidance?
Complete the form below and an advisor will be in touch.


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)