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Hi thank you for your enquiry and your patience. You cannot apply for naturalisation in september this year if that will be your 5 years. You can apply for your settled status and then in September 2020 you can apply for your naturalisation. As long as you have applied and your passport has been returned you can travel out of the UK just making sure that you have someone checking your post for decision as you will not want to miss the ceremony should you have secured your citizenship. I hope this is useful to you.I would be grateful for your rating at your earliest convenience. All the best