Introducing a new way to get the career you deserve

24 or older? Now you can get a loan to cover the costs of a college or training course.

So now courses such as Certificates and Diplomas can now be paid for by a simple low interest, low cost loan.

Repayments don’t start until April 2016 and you won’t have to pay anything back until you’re earning over £21,000 a year. And if you stop working, your repayments stop too.

To qualify, the course must be at level 3 or above and will be usually delivered at your workplace or at a local Training Centre by BCTG or one of our approved partners*.

If you can’t find what you are looking for on this site please do not hesitate to contact us for further information.

Grow Here
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Taking out a 24+ Advance Learning Loan is a sure fire way of securing a better future. Someone with Level 3 qualification on average earns an average of £3000 more a year, than someone who doesn’t. The higher you go, the greater the rewards.

Higher Education is an option, but is expensive. Average HE Student Debt is over £59,000. Someone taking out a 24+ Loan on average will only need to borrow £3500. And with a 24+ Loan all your course costs are included so you don’t have to worry about finding that extra cash.

Anyone can apply for a loan. So if you’re already working, looking to move up the ladder or even if you want to get back into work, a 24+ Loan will help you get there.

Remember, better skills mean, better prospects. You don’t have to borrow very much, to reap the rewards.

Take The First Steps

So close now! – Just fill out this form to make sure you’re eligible, and if you are you’ll get to see what courses are right for you.

How Old Are You? (in years)
How Many years have you lived in the UK
Are You Employed?


There are a few simple rules to access a 24+ Loan

  • Will you be 24 or older on the first day of your course (there’s no upper age limit)
  • Are you living in the UK on the first day of your course, and have lived in the UK, the Channel Islands or the Isle of Man for 3 years immediately before this
  • Your course starts after 1st August 2013
  • You choose a course at Level 3 or higher. You can search for eligible courses on this site

Remember getting a loan doesn’t depend on your household income and there’s no credit check.


You’ll only start making repayments when if your income is more than £404 per week, £1,750 per month or £21,000 per year. 24+ Loans are Government backed, so repayments are really low, starting at less than £7.00 per month. Even then your employer can contribute or pay the loan in full.

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

Making repayments is simple; the agreed amount is taken automatically out of your wages, so you don’t need to worry about missing a payment.

Remember, if you stop working, your repayments stop too,
and only restarts when you earn more that £21,000.


* Please note: This site is designed specifically for 24+ Advanced Learning Loans and the qualifications the BCTG Consortia have available under this government initiate. However, the BCTG consortia also offer a wide range of funded qualifications at Levels 1-2 for all ages and Level 3+ for 16-23 year olds as well as commercially delivered qualification from Level 1 to Level 7 that are not eligible for government funding.