This article discusses the previous literature on student retention in the post-compulsory education sector and the "24+Advanced Learning Loan". Adult students participating in an Access to Higher Education course are at particularly high risk of non-completion. Literature indicates that whilst stakeholders may require factual statistics regarding education, the reasons for student withdrawal are often multiple and complex, hence this research was conducted via a mixed-methods approach. This study took place at a large inner-city college of further education in Staffordshire, England. A full population sample of the college's existing data was analysed, tutors participated in short, informal, unstructured one-to-one interviews, the author produced fieldnotes relating to retention and 12 adult students from the Access to Higher Education Diploma in Health self-selected to participate in short semi-structured interviews about student retention. Data showed that students aged 24 years and over were already less likely to withdraw from their course prior to the introduction of the 24+Advanced Learning Loan, and that the introduction of the loan had little impact on this data. Interview transcripts and fieldnotes indicated mixed opinions amongst students regarding the 24+Loan, that the application process had been overly complex and that the introduction of loans had produced an increased divide between older and younger students. Recommendations for students, college staff, managers and policy writers are discussed in light of the findings of this study.