Use this guide when you have a course or qualification in mind and want to know how to pay for it. Have the course name, level, provider and start date ready, and know which UK nation you live in, as funding rules differ.
Step by step
Identify the level and type of course
Find out the qualification level and whether it is a regulated qualification, as funding often depends on both. Note whether the course is full-time, part-time or online. The course provider can usually tell you what funding it accepts.
Check for free courses
Many adults can study English and maths up to a certain level for free, and some other qualifications may be fully funded depending on your age, income and existing qualifications. In England, some short employer-linked courses such as Skills Bootcamps are free to eligible learners. Ask the provider and check the current rules on GOV.UK or with your nation's careers service.
Look at loans for higher levels
For some courses at Level 3 and above in England, an Advanced Learner Loan may cover fees. For degrees and some higher education courses, including part-time study, student finance may be available through your nation's student finance body. New arrangements such as the Lifelong Learning Entitlement are being introduced, so check what applies on your start date.
Ask your employer
If the course relates to your job, ask whether your employer will fund it fully or partly or give you time to study. Some employers use apprenticeship funding to train existing staff, including older workers. Check whether you would need to repay costs if you leave within a set period.
Search for extra support
Colleges and universities often have bursaries or hardship funds for costs such as travel, childcare and equipment. Charities, trusts and professional bodies sometimes offer grants for particular subjects or groups. Your library or careers service can help you search.
Compare and apply
List each option with what it covers, any repayment terms and deadlines, then choose the best mix. Apply as early as possible, as some funds are limited. Keep copies of every application and confirmation.
Ready-to-use checklist
- Course level confirmed
- Provider asked about funding
- Free course eligibility checked
- Loan eligibility checked
- Employer asked about support
- Bursaries and hardship funds searched
- Repayment terms understood
- Application deadlines noted
Practical tips
- Ask the provider's admissions or finance team directly, as they deal with funding questions every day.
- Never pay a third party to find funding for you, as the main schemes are free to apply for.
- If you receive benefits, check how studying could affect them with Citizens Advice or your work coach before you enrol.
Common problems
I already have a degree, so I cannot get student finance again.
Rules on equivalent or lower qualifications can limit support, but there are exceptions for some subjects and routes. Ask the provider and check the current rules, and look at employer funding or loans for other levels.
The course I want is not eligible for any funding.
Ask the provider whether it offers instalment plans or a similar course that is eligible. Consider starting with a free short course to test the subject before paying for a full qualification.
My employer agreed to pay but wants me to sign an agreement.
Read the repayment terms carefully so you know what happens if you leave or fail. If anything is unclear, ask HR to explain before you sign or seek advice from Acas.