You can either pay in full by debit or credit card, or you can apply for a 19+ Advanced Learner Loan. These options are offered when you click a course enrol button. You can choose either payment method and will still be able to start your course straight away as we give you immediate access to your online study materials.
Advanced Learner Loans are government backed loans that you only start paying back when you are earning £21,000 or more. Getting an Advanced Learner Loan doesn’t depend on your household income and there’s no credit check. Once you earn over this amount you pay back 9% of the earnings you receive above this figure.
All the information you need about Advanced Learner Loans is available in the following link:
Paying in full
As this method of payment requires a much lower level of administration, you may find that these courses offer some significant discounts, but you should always think very carefully about whether you can afford to pay for your learning in this way. We are not able to give you financial advice.
Paying in instalments
This way of paying spreads the cost of the course fees. 0% APR. means there is no interest to pay. This is offered as the instalments are over a relatively short period (usually within 12 months). There is a deposit to pay (an initial payment) then the remainder of the fees are split into 10 further monthly payments. When you choose this method of payment you can pay by credit or debit card through our secure online payment gateway (powered by ‘Realex’).
Paying with a 19+ Advanced Learner Loan
Advanced learner loans are an option available to you if you are aged 19 years or over. They are designed to enable you to take approved qualifications at Levels 3, 4, 5 and 6. There is nothing to stop you applying for up to 4 loans. More than one loan can be run concurrently. With loans undertaken to cover Access to Higher Education Diplomas, you can only apply once. However, if you take an Advanced Learner Loan to pay for an Access to Higher Education Diploma, that loan will be written off on completion of your Higher Education course.
You only start repaying your loan when you are earning £21,000 or more, you can use our repayment calculator to calculate earnings and repayment amounts. The outstanding loan balance, remaining after 30 years is automatically written off. Advanced learner loans enable you to get financial support for tuition costs similar to that available in higher education. Student Finance England administer the loans.
Advanced Learner Loans are paid directly to West London College to pay for your learning. They are not means tested and you are not subjected to any credit checks. Any person who meets the criteria can apply for a loan, your current employment status is not taken into account.
- You must be a UK resident.
- You must be funding an approved course (at Level 3, 4, 5 and/or 6).
- You must be aged 19 years or over.
On our site, you can select a course and click on the Enrol button that matches your payment method. You are asked to confirm that you meet the selection criteria. We then give you all the information you need and guide you through the application process.
Yes, you pay interest from the time your very first payment is made until you repay your loan back in full. The interest charged on Advanced learner Loans changes. It depends on whether you are still studying or not and how much you are earning per year, as described below (click on our Loan reckoner to see the impact on earnings):
- While you are studying, and up until the April after you leave the course interest = Rate of inflation (Retail Price Index) plus 3%
- £21,000 or less, interest = Rate of inflation
- £21,000 to £41,000, interest = Rate of inflation plus up to 3%
- £41,000 and over, interest = Rate of inflation plus 3%
You only start making repayments when your income is over £404 a week, £1,750 a month or £21,000 a year. If your income falls below these thresholds, repayments stop and only re-start when your income is over these thresholds.
There are circumstances where your loan may be cancelled and you’ll never have to pay it back, such as if you die before you pay the loan off or if you become disabled and permanently unfit for work.
Any loan remaining 30 years after you’re due to start making repayments will be written off, so this loan would be cancelled after that time.
Your employer collects student loan repayments on behalf of HMRC and takes repayments from your salary in a similar way to tax (PAYE) and National Insurance contributions. If you are self employed, you submit yearly tax returns and pay your student loan account at the same time as part of that process.
As long as you have evidence that deductions have been taken, such as your payslips, the Student Loan Company will credit the full amount of the repayments to your account.
It's still worth applying, you may well be eligible to get at least one Advanced Learner Loan. If you take out an Advanced Learner Loan and then a student loan for higher education, your loans will be rolled into one and only one monthly repayment will be made (when you are earning over £21,000 a year.
Government backed loan could fund your course
All our RQF courses, ones (carrying the 19+ icon) attract 19+ Advanced Learner Loan funding, which you can apply for through our site. This kind of loan can cover the cost of your fees and doesn’t have to be paid back until you are earning £21,000 a year or over.