Advice & Guidance


At the LCG Hair & Beauty Academy we are here to help you succeed in your chosen career, we can also signpost you to sources of funding and careers guidance which well help you make an informed decision about your learning progression and pathway.

Sources of funding that you may wish to consider

  • Advanced Learner Loan (ALL)

    If you’re planning to study at Level 3 to 6 you may qualify for an Advanced Learner Loan. These loans help you to pay the fees charged by approved colleges and training organisations in England.

    What learners need to know

    • You need to pay course fees if you are 19 or over and wish to study for a qualification at Level 3 to 6.
    • You may be eligible for a government-backed Advanced Learner Loan to pay for your course fee.
    • The amount of money you can borrow depends on your course. The minimum amount you can borrow is £300.
    • When applying for an Advanced Learner Loan there is no credit check and household income is not taken into account.
    • Loan repayments are linked to what you earn when you’ve finished your course, not how much you borrowed.
    • You pay back your loan (plus interest) when you finish your course and earn more than £27,295 a year. Your repayments will stop if your income drops below £27,295 a year. You pay back 9% of the money you earn over £27,295
    • If you’re employed, loan repayments will be taken directly from your salary through the tax system.
    • You can make voluntary repayments at any time.
    • Before taking out any loan you should consider all of your options. If you want advice on managing your finances, visit the Money Advice Service at http://www.moneyadviceservice for impartial advice.

    How Is The Interest Rate Calculated On My Loan? 

    You‘re charged interest from the day your first payment is made until your loan is repaid in full. Interest is added to the total amount you owe every month.

    The interest rate is based on the UK Retail Price Index (RPI) and will vary depending on your circumstances.

    The interest rate is updated once a year in September, using the RPI from March of that year.

    What Is RPI?

    RPI - The Retail Price Index, RPI, is a measure of UK inflation. It measures changes to the cost of living in the UK. The UK government uses the rate of RPI for many purposes, including setting the interest rate charged on student loans.

    Your circumstancesInterest rate
    Whilst studying and until the April after leaving the courseRPI plus 3% (6.3%)
    From 6 April after leaving your course until the loan is repaid in fullVariable rate dependent upon income. RPI (3.3%) where income is £25,725 or less, rising on a sliding scale up to RPI plus 3% (6.3%) where income is £45,000 or more
    If you don’t respond to our requests for information or evidenceRPI plus 3%,(6.3%) irrespective of income, until we have all the information we need

    Getting Charged More Than One Rate Of Interest In The Same Month

    This can happen if you have two or more Plan 2 loans for different courses.

    For example, if you started and left a course before 6th April 2017 then started a new course after that – and took a loan out for each of those courses – you’d be charged a rate of RPI for the loan from your first course from 6th April after you left the course until 5th April 2019; and a rate of RPI plus 3% (6.3%) for the loan from your second course until the April after you complete or leave your second course.

    Before taking out any loan seek Professional Advice

    Before taking out a loan you should always seek professional advice.  You can get help and money advice from the Money Advice Service or by visiting their website at:

    You can also find out more information about Advanced Learner Loans, making repayments and the rate of interest on your loan by visiting: or by downloading the guide at

    For information and advice on learning, career and funding options, visit

    For more information on loans and to apply, visit

    Tip: search for ‘funding’ on the National Careers Service website.

  • Professional Career Development Loans (PCDL)

    We are a Professional and Career Development Loans registered Learning Provider, registration number [11091]

    A Professional and Career Development Loan is a commercial bank loan that you can use to help pay for work-related learning. For further information on financial assistance to support your learning, please visit the http://GOV.UK website or contact the National Careers Service on 0800 100 900.

  • Help for ex-service members

    Re-training funding is available through ELCAS

    and The Royal British Legion

  • Charitable Trust Funds, The Princes Trust and The Shaw Trust

    Many UK charities (see offer help and funding for adult learners.

    The Princes Trust is available for those under the age of 25 -

    The Shaw Trust, lots of support and help but you need to be referred by your Job Centre Plus -

  • National Careers Service

    Tel: 0800 100 900

    This department will give you plenty of advice and guidance on what is available for you.

  • Pastoral Care and Support

    The Learning Curve Group Hair & Beauty Academy will ensure that your learning takes place within a safe environment. You’ll have a Tutor who will mentor and support you with your progression and achievement on the programme and will develop an individual learning plan to meet your needs. Employer Engagement Managers and Safeguarding Officers are based at each of our Academies and together with your Tutor are all here to support you throughout your time at our academies and to make sure you have access to and are aware of the support and opportunities that are available to you.

    Our Employer Engagement Managers can support you with getting a job, CV writing, preparing for an interview as well as providing links to services that can assist you with a variety of issues such as financial advice, careers advice and safeguarding issues.


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