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Student MoneySaving

Discuss tuition fees, student loans and grants here - and share MoneySaving deals, tips and tricks to help you spend less at university.

The Great 'Student Discounts' hunt
How about having a great student discount hunt with the new term coming up - hopefully I will qualify for them then as I am looking to do a hunt and it would be useful to have all the discounts in one place _________________________ Note from martin: I love this idea and have therefore adopted it and made it an 'official'…
MSE’S ‘Academoney’ support discussion thread
DIWEDDARIAD Mawrth 2021: Mae cwrs ‘Academoney’ bellach wedi’i gyfieithu i’r Gymraeg. Cofrestrwch i gwblhau’r cwrs yn Gymrae yn fan hyn, ac am fwy o wybodaeth, gwelwch stori newyddion ddiweddaraf MSE. UPDATE March 2021: The ‘Academoney’ course has now been translated into Welsh. Sign up to do the course in Welsh here and…
Help With Student Loans - HERE!
Hey, i have alot of Knowledge of how the student loans procedure works. If anyone needs any help, i can advise as much general info. Obviously i cant divulge into specifics due to Data Protection and the fact that i'd get fired, but anything i can help with, just let me know.
New to the Student MoneySaving board? Start here
👩‍🎓 Some Forum threads you may find useful: * The great student discount hunt * ‘Should I repay my post-2012 student loan?’ discussion * 38 and going to Uni! * Old Style recipe index * The cleaning recipe index Seen any more good student threads on the Forum? Let us know! 💬 🎓 More relevant student content from…
Plan 2 Student Loan - £6.4k balance
Hi, my plan 2 student loan has gone from about £5,146 to now £6.4k from interest - which is now around £35/40 per month. i pay £10 a month out of my wages but ive just gone to £34k salary. is it worth me paying this off, because if I pay £10 per month from wage, times 12 months, times 30 years, that’s only around £3k I’d…
Refund on overpayment or not?
Hello, Looking for some advice really as I’m not sure whether to pursue a refund I work 3 different jobs - all connected to the NHS. One is a clinical role, one is a teaching role, another is a management job. I love working all three. I wasn’t aware initially when I started working, but have since found out about a…
Plan 2 UK Student Loan repayment as an expat in Indonesia.
I am working in Indonesia making £58,000 per year. The Indonesian payback threshold is only £11,390, above which I will have to pay 9% to my student loan. This is approximately £4000 per year. The fixed monthly rate (the amount you’ll be charged if you don’t provide income information, i.e., arrears) is only £154 per…
Paying off student loan High Earner
My son is a high earner having secured a job which pays 50k+ straight from leaving Uni. He graduated June 24 and started paying immediately in July 24 and now owes just under £50k. He can see the interest being added and looking at calculations online he will pay a lot more back over the coming years if his income…
Student loan
Our house hold income is £35k and my partner has been told he is getting the minimum maintenance loan. No idea why as it says on the gov website he should be entitled to 8-9k not 4.9k. Any idea what we can do to get this resolved
Student Finance Overpayment
I completed my undergraduate in 2018 and then started an online MA. I then paused my studies before officially withdrawing a year later and not returning to my studies. A couple of years on, Student Finance have been contacting me to say they have overpaid me. Any money I was sent from Student Finance, I sent on to the…
Newly single parent- pay off post grad?
Hi all, I’m hoping for some advice on whether I should pay off my postgraduate loan or hang onto my savings. I currently have a Plan 1 student loan which I repay at around £91/month. I’ve recently started paying off a postgraduate loan too, which is an additional £85/month. The interest rate on the postgraduate loan…
Newly single parent- pay off postgrad?
Hi all, I’m hoping for some advice on whether I should pay off my postgraduate loan or hang onto my savings. I currently have a Plan 1 student loan which I repay at around £91/month. I’ve recently started paying off a postgraduate loan too, which is an additional £85/month. The interest rate on the postgraduate loan…
Student Loan Parental Contribution - Which Year?
I hope someone may know the answer to this, as a family friend asked me and I couldn't give them a firm answer (apart from speak to Student Finance, which meant I had given up!). They have two children, one in first year of university, one hoping to go in September and about to apply for student finance. The parent's…
How do we find how student loan was calculated
Last year (2024-25) our Son started uni, and got close to the full maintenance loan. He's recently received information for this year's loan which has dropped to almost half of that. Our income has increased by <£3K over this period, so we expected a reduction in his loan amount, but not that much. On my sfe account, it…
Self employed AND employed - student loans?!
I'm employed and self employed. I had been under the impression that these were counted as separate jobs and so I wouldn't repay student loans on either until they were over the repayment threshold separately (see gov.uk page on Repaying your student loan/How much you repay). I am unlikely to ever earn over the repayment…
Student Loan Repayment - delay in applying repayment between Plan 1 and Plan 2
Hello, I took out a Plan 1 loan to study (grad 2012) and started repaying, then was made redundant and went studying in 2015 taking out a small Plan 2 loan. I started repaying in 2016 where my PAYE salary would get split between both plans, with 2/3 going into Plan 2. I repaid Plan 2 in 2021, and this is when I noticed…
Do cash gifts count towards income when paying back student finance loan?
If I am given a cash gift of say £100,000 - would that contribute to my income, in the eyes of student finance? My understanding is no. Student finance repayment is only levied at your salary - not your savings and/or gifts. This gift would obviously be subject to other taxes (inheritance tax if applicable and capital…
Parent dilemma - pay back loan for year 1/2 or keep and instead pay for fees for year 3/4
I want to help my daughter with Uni fees, but I'm not clear if it is better to pay off the loans she has for her Year1&2 that are accruing interest or instead Pay for her Year 3/4 fees directly so no loan needed .... (I hope be able to pay for all 4 years in future) She is studying Psychology and I've no idea of her career…
How to find student discounts
Hi all, I'm wondering what people's strategy is for finding discounts and cashback offers. There are multiple different student discount schemes. There are also multiple cashback providers, including the cashback sites Topcashback and Quidco, cashback from debit or credit cards, points from nectar, avios etc. I've often…
Student Loan : parental support & SIPP payments
Why do slc require information about SIPP payments when completing the parental support / income application? I note the declaration was for SIPP not workplace pension payments / salary sacrifice. Do they consider your income amount after the SIPP payment has been deducted? I don’t understand why it would be relevant if…
Can I student loan be changed once awarded?
I'm asking this on behalf of my godson. He gets roughly 7k in student maintenance loan. His parents are divorced and he has lived with just his mum since he was 3. His dad stopped paying any support for him in 2020 but when my godson did the student loan application he declared the incomes of his mum, his dad and his dad's…
Apprenticeship and BA Hons Degree Together
Hi all, Not sure if this is the right category. I just have a quick question that I'm wondering about regarding 2 courses. I am currently completing an Apprenticeship and it will be finished in November (hopefully sooner) I have also signed up to complete a BA Hons Degree which starts in October (this isn't for work, just…
Placement year possibly becoming a 3rd year of study
My son is planning to do a placement year from September this year (25/26) and complete his final year next year (26/27). He will be applying for his reduced tuition loan soon and no maintenance loan. But what happens if he can’t get a placement and decides to do his 3rd year instead this year. If he’s already applied for…
Should I make a lump sum repayment on my Plan 2 student loan as a new graduate?
Hi all, I'm about to qualify as a dentist and will be on Plan 2 for student loans. My current financial situation: * Student loan balance: around £90,000 * Savings: about £40,000 (currently just in a 4.3% cash ISA) * Starting salary: approx. £50,000 then jumps to £70,000 in the second year of qualifying I understand that…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Student MoneySaving

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