19+ Advanced Learner Loans
Getting a Loan doesn’t depend on your household income and there’s no credit check. You won’t have to pay anything back until you’re earning over £21,000 a year.
Once you earn over this amount you pay back 9% of the earnings you receive above this figure.
More information can be found on the page and our contact details are below.
How It Works
You’ll have to pay your loan back when both the following apply:
You’ve finished your course
You earn more than £21,000 a year
What you’ll get
How much you get depends on:
The type of course
Your course fees
The maximum loan available for your course
The minimum loan you can get is £300 and is paid directly to your training provider (Umbrella Training).
Whether you qualify for an Advanced Learner Loan depends on:
You must be 19 or older on the first day of your course.
Your course must be a Level 3, 4, 5 or 6 qualification (eg A Levels or graduate certificate)
You must be a UK national or have ‘settled status’ (this means there are no restrictions on how long you can stay)
How to Apply
Visit the government website
Repayments start the April following the completion of your course.
You pay back your loan (plus interest) when you finish your course and earn more than £21,000 a year. Your repayments will stop if your income drops below £21,000 a year.
Your annual repayment amount will be 9% of any income you earn over £21,000.
Example monthly repayments would be:
£7 a month – if you earned £22,000 a year
£30 a month – if you earned £25,000 a year
Your employer will work out your repayments and take them out of your salary with your tax
You may apply to get money from the Loan Bursary Fund after you’ve received a letter approving your Advanced Learner Loan.
The money can help pay for things like:
Accommodation and travel
Course materials and equipment
Classroom assistance for a disability or learning difficulty
What Qualifications do Umbrella offer under this scheme?
NVQ Diploma in Customer Service
NVQ Diploma in Business and Administration
Certificate in Assessing Vocational Achievement
NVQ Certificate in Management
Diploma in Management
NVQ Diploma in Hospitality Supervision & Leadership
Diploma in Advanced Professional Cookery
Extended Diploma in Advanced Professional Cookery
Diploma Advanced Professional Cookery (Kitchen & Larder)
Diploma in Professional Patisserie & Confectionary
Diploma in Food & Beverage Service Supervision
Advanced Professional Cookery Studies
Diploma in Hospitality Management
Diploma in Business & Administration
Diploma in Customer Service
Diploma in Business and Administration
Certificate in Education & Training
For more detailed information visit:
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Company Number - 08284521 Registered Address: 32 Alamein Avenue, Chatham, Kent, ME5 0HZ