Advanced Learner Loans

FLEXIBLE FUNDING TO HELP YOU STUDY AT LEVEL 3 OR ABOVE

If you’re 19 or over and want to study at Level 3 or above, you could be eligible for an Advanced Learner Loan.

These loans are different from commercial loans:

Most learners qualify (no credit check, no household income assessment)
Easy to apply online
Repayments only start once you earn above the threshold
If you haven’t repaid after 40 years, the loan is cancelled

Click here to find out more about Advanced Learner Loans

MAKING THE RIGHT CHOICE

Before applying, think about your circumstances and funding options. You can get independent advice from the Money Advice Service.

HOW MUCH CAN YOU GET?

Depends on your course type and fees
Minimum loan: £300

WHICH COURSES ARE ELIGIBLE?

Level 3 and above courses (e.g. Certificate or Diploma)
Approved by the Skills Funding Agency
Unsure? Contact us to check your course is eligible

ELIGIBILITY

To qualify, you must:

Be 19 or older on your course start date
Live in the UK (and have been here for the last 3 years)
Study at an approved college/training provider

Special rules for 19–23 year olds:

If you don’t already have a full Level 3 → free tuition (no loan needed)
If you already have a Level 3 → you can apply for a loan

HOW MANY LOANS CAN YOU APPLY FOR?

Up to four loans in total
You can take loans for the same level (e.g. Level 3 Diploma in Carpentry and another in Plumbing)
But not for the same course twice

HOW AND WHEN TO APPLY

Apply from June 2025 for courses starting 1 Aug 2025 – 31 Aug 2026
Apply online (fastest) or with a paper form
You’ll need a Learning and Funding Information Letter from BMet before applying
Have your loan ready before enrolment to avoid paying a deposit

WHAT YOU NEED TO APPLY

National Insurance number
Passport details or another valid form of ID (e.g. birth certificate)

REPAYMENT INFORMATION

Repayments start only once you earn £25,000+ a year (Plan 5 from Aug 2024)
You pay a % of what you earn above the threshold — not what you owe
Loan cancelled after 40 years
Interest is added from your first payment
Student Finance England pays your loan directly to BMet

Check repayment plan details here

IF YOU WITHDRAW FROM YOUR COURSE

Leave within 2 weeks → no loan, no repayments
Leave after 2 weeks → you’ll repay the loan for the time you studied, and may need to pay remaining fees directly to the college

ACCESS TO HIGHER EDUCATION (HE) COURSES

If you take a loan for an Access to HE course and then complete a higher education degree, your Access loan is written off.

STUDENT EXPERIENCE

Close up of corners of UK £5, £10, £20 banknotes

Student Bursaries & Financial Support

We want to make sure that everyone is able to study regardless of their financial position. We have a range of financial support packages aimed to take the stress out of study.

Student Experience

Everything you need to thrive at BMet! Find out more about our support services and extra curricular activities.

Student Welfare

At BMet we offer a broad range of support, activities and events alongside your academic or vocational programme of study, to help support and empower you to develop both personally and academically.

All the Good Stuff

Alongside gaining a qualification students at BMet also get additional perks to ensure they are looked after in their studies to ensure they succeed in their journey into further education.

Extra Curricular

We believe it’s important to get the right study/life balance and during your time with us you will get access to extra-curricular activities designed to develop your skills, experience and confidence. This includes activities such as, social clubs and societies, events and competitions.

Careers Advice

We have a dedicated team of Careers Advisers, who can give you the careers advice, information and support. Or why not try our new Careers Coach tool – take a short quiz to find out your possibilities!

A male wearing a green top and female wearing blue top looking down in a room with with pale walls

For Parents & Guardians

Students are much more likely to be successful in their studies if an effective partnership exists between them, their tutors and their parents or guardians. BMet welcomes parental help in supporting students to attend and achieve to their full potential.

Childcare Provider Support

At BMet, we have a dedicated team of Careers Advisers, who can give you the careers advice, information and support you need to achieve your career goals.