Cert. no 9701
Government-backed loans for adult learners
If you are looking to start your career in fitness but are finding it difficult to cover the cost of your training, an Advanced Learning Loan* could be just the boost that you’re looking for.
Part of a government-backed initiative, the loan provides a flexible way for learners over the age of 19 to pay their course fees. You do not have to repay your loan until you are earning over £21,000 per year with interest being based upon income.
Plus, there are no credit checks and applications are not dependent on your income.
The Advanced Learning Loan is available on the following YMCAfit courses:
|Course||Format||Course fee||Deposit*||Maximum loan available|
|Diploma in Personal Training||Intensive||£2,880||£375||£2,880|
|Diploma in Teaching Yoga||Intensive||£1,199||£375||£1,199|
|Diploma in Exercise Referral||Intensive||£549||£125||£799**|
|Certificate in Personal Training||Blended||£1,540||£250||£1,417****|
|Diploma in Sports Massage||Intensive||£1,800||£375||£1,800|
*Deposits are refundable upon completion of your course and be issued in conjunction with your certification.
**The additional loan amount is available to cover the cost of Level 3 Anatomy and Physiology plus Exercise Nutrition which are required for full certification. View the Diploma in Exercise Referral page for full details
****Additional course fees of £123 not covered by the loan for the Certificate in Personal Training are deducted from initial deposit which is refunded upon completion of course. Students will be refunded £127.
Reach Level 4 with an Advanced Learning Loan
It is now also possible to access Level 4 through the Advanced Learning Loans. Depending on the qualification which you currently hold, you may need to take additional courses or modules to be eligible for Level 4 as shown below:
|Current qualification||Courses you will take||Course fee||Deposit*||Maximum loan available|
|Diploma in Exercise Referral||Obesity and Diabetes Level 4 or Lower back pain||£549||£125||£549|
|Diploma in Personal Training||Diploma in Exercise Referral and Obesity and Diabetes Level 4 or Lower back pain||£1,098||£250||£1,098|
|Diploma in Teaching Yoga or Level 3 Pilates||Diploma in Exercise Referral, Exercise Nutrition and Obesity and Diabetes Level 4 or Lower back pain||£1,248||£250||£1,248|
|Gym Instructor or Exercise to Music||Diploma in Exercise Referral, Exercise Nutrition, Anatomy and Physiology Level 3 and Obesity and Diabetes Level 4 or Lower back pain||£1,348||£250||£1,348|
*Deposits are refundable upon completion of your course and will be issued in conjunction with your certification.
Visit the government website for general information on the Advanced Learning Loan.
The Advanced learning loans are available for all of the courses listed in the Overview tab. In order to qualify you must:
You may also qualify if you’re:
You pay back your loan (plus interest) when you finish your course and earn more than £21,000 a year. Your repayments will not start until April 2016 and will stop if your income drops below £21,000 a year.
Your monthly repayment will be 9% of any income you earn over £21,000.
You pay interest from the time your first payment is made until you pay your loan back in full.
|While you’re studying and until the April after you leave the course||Rate of inflation (Retail Price Index) plus 3%|
|£21,000 or less||Rate of inflation|
|£21,000 to £41,000||Rate of inflation plus up to 3%|
|£41,000 and over||Rate of inflation plus 3%|
If you’re an employee, your employer will work out your repayments and take them out of your salary with your tax.
If you’re self-employed you make repayments as part of your Self Assessment tax return.
You can pay some or your entire loan at any time without an extra charge.
If you leave or change your course
You’ll have to pay back any money (plus interest) that’s been paid to your college or training provider if you leave or change your course after 2 weeks.
The interest rate will be the rate of inflation.
Speak to your college or training provider to see if they can transfer the loan to another course.
How to apply
Proof of identity
You will need to provide proof of identity as part of your application. Please include your UK passport details in your application as proof of identity. If you forget, use the ‘UK passport details form’ below.
UK passport details form
If you don’t have a UK passport (or it has expired), send your birth or adoption certificate using the ‘Birth or adoption certificate form’ below.
Birth or adoption certificate form
If you need to send evidence to support your application, such as proof of residency status. Please use the evidence return form below.
Evidence return form
If you send your application and have forgotten to sign the form, you will need to complete the signature form below.
Changing an application
If you want to change the amount of loan you’ve applied for, use the ‘Loan request’ form.
If your personal details (eg, contact details), you will need to complete a ‘Change of circumstance’ form. this form is not currently available.
However, such circumstances are very rare and cannot arise if the individual has not previously received a Loan from the Students Loan Company.
No. Previous educational study will not affect a learner’s entitlement to their first loan. Learners can use up to four loans.
Additional Advanced loans are available at different levelts to support progression. An individual can apply for a maximum of four Advanced Learning Loans that have been approved by the Government for the funding.
No, the loan cannot be used to subsidise the costs of books, travel equipment or any other additional resources required by the learner to access the programme. The loan is to cover tuition costs only and is paid directly to the training provider.