Advanced Learner Loan


An Advanced Learner Loan is a Government scheme to help people aged 19 or over to fund the cost of an approved training or college course which is at Level 3-6. Learners are entitled to access up to four loans, which they can take out either one after the other or at the same time.

The availability of Loans for learners aged 19 to 23 at Level 3 does not replace the legal entitlement to full funding for a first full Level 3 for learners aged 19 to 23. You should check your entitlement before applying for an Advanced Learner Loan.  To find out more information contact us.

Advanced Learner Loans have to be paid back. Repayments don’t start until the April following the completion of your course, and you won’t have to pay anything back until you earn more than £25,725 a year. The loan doesn’t depend on your income and there are no credit checks. You pay back your loan (plus interest) when you finish your course and earn more than £25,725 a year. Your repayments will stop if your income drops below £25,725 a year. Your annual repayment amount will be 9% of any income you earn over £25,725.

You must be 19 or older on the first day of your course to qualify for an Advanced Learner Loan and you must hold either a valid UK passport that is in date or a certified birth certificate. For full details or to find out if you are eligible contact Vita now.


Still unsure?

Use the repayment calculator below to find out how much you will repay – It’s important 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

You’ll find more information on Advanced Learner Loan funding at &, for information on loans and repayments see or for full details, please contact Vita and apply today!

Adult Education Budget (AEB)

Vita Skills delivers Level 2 courses that are fully funded under the AEB Government scheme. It is funded via local councils & National Providers in conjunction with ESFA & European Social Fund. 

The Adult Education Budget (AEB), funds qualifications and programmes for learners aged 19+.

Employers and learners can access AEB funding. The AEB is a great resource for employers who need to improve the skills of their workforce to meet the future challenges of automation and skills shortages. It can support staff to gain new skills, improve their current level of knowledge in an occupation, or get them ready for an apprenticeship.

AEB can also support individual learners to gain new skills to support their career development or a career change, or to improve progression opportunities in their current job role.

Below are some examples of how the Adult Education Budget can help individuals to progress and employers transform their business. We have included a table at the bottom of this page that shows detailed information about learner eligibility for full or partial funding.

AEB can:

  • Fund anyone aged 19 or over to get a full level 2 (or 3 qualification if under 24)3, if they don’t already have one
  • Fully fund anyone who is unemployed (*and claiming benefits) for any qualification or course up to level 2.

Low wage learners – for 2019, the government has introduced a pilot to allow for a more flexible use of AEB to support employed learners who are on a low wage. The threshold is an annual wage of £16,000 (or £17,500 in Greater Manchester) or lower.

Our enrolment officers can help answer any questions regarding the funding.