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No, there are no credit checks and your eligibility does not depend on your income. Eligibility depends on the course, college/training provider, your age and nationality/residency status.
Either a valid passport or birth/adoption certificate.
When your income is £25,000 or above after the course completion. If your income is £25,000 or above during or immediately after the course completion; payments will be taken from the following April after the course is completed.
Payments will be taken directly out of your wage along with your tax. Payments are calculated on 9% of your salary.