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Student MoneySaving

Archives for January 2015

Students, please help with my dissertation
Drop in income
If our income has dropped below £25,000 from September 2014, will we be assessed from the current tax year 2015-2016? We wonder if our daughter who starts University in September will receive a grant or if we will still have to support her as she will struggle to pay her rent and her living expenses on the maintenance loan.
Tax credits/household income
My son is shortly going to be appyling for student finance. Are my tax credits counted as income or is it solely my income from employment?
Is there a student loan provision for private university/college?
My Daughter wants to apply to a private college, the fees are approximately 14,000 per year. She has been told that she can only get a student gov. loan of a max 6,000 per year. Is there an alternative reputable loan company she can use to make up the short fall?
Compelling Personal Reasons
Hi all. I previously attended an undergraduate BSc Computer Science course (2003-2007) during which I repeated my 2nd year and then withdrew during my final year. Under student finance wales rules this means I am no longer eligible for any loans, grants or support beyond the maintenance loan as I have used up my 3+1 gift…
UK Online Masters Degrees - recommendations?
Hi All, I'm originally from Scandinavia and have been studying in the UK for 4 years now, about to graduate from a reputable UK university, most likely with a first degree (BBA). For my final year my plan has been all along to complete a online MSc in Business/Management because of the fact that I wouldn't need to stay in…
Part-time Student, Part-time Employed - Distance Learning advice.
Hey all. So I've been trying to find out as much info as I can and I still have some further questions so I thought this would be a good place for some advice. After I finished school I went on to college to do a BTEC National Diploma in Art & Design, which I passed with a Merit, Distinction, Distinction. I then applied…
Household Income
Hello All, To keep it brief: the girlfriend has just moved in with me. Her daughter is 20 and in University (1st year), and part of her student funding is the form of grants as gf is low income. Daughter has concerns she'll lose her grants as my salary will be added to her mum's and 'household income' will go over the…
Student Grants
Hi all Just looking through options to finance university and I'm a little confused I've read a story on the main MSE website but it seems to say that I cannot get a grant if I live with my parents. Is this true or am I just reading it wrong? Thanks Abzz789
ridiculous council tax payment
I was a student up in aberdeen and lived in a rented flat with 4 other students. We were therfore exempt. apparently according to the council my course finished in june (even though I graduated in July). They claim I have to pay hundreds of pounds because I wasn't a student from june until september (the end of my flat…
2nd year student being refused student accounts..help.
Hi, I'm a second year uni student with a santander current account and having a big problem with overdraft fee's. Being a student I get my loans once every 3 months and have no other form of income, I became overdrawn because of a direct debit and could not put anything into my account for another 2 months until I got…
Who's still waiting to hear back from Unis? When did you send your UCAS application?
There's a fab thread on the Student Room about it. Who here is still waiting to hear?
Who is Scottish/Welsh?
Bear with me, I know it sounds silly... But if someone buys or otherwise establishes an address in Scotland or Wales prior to deciding to study, are they then "covered" to avoid/minimise tuition fees?
Grant Overpayment
Hello dont know where to start but I started university as a mature student with children so I applied for student finance and the grants I may be entitled to Sent in all the paperwork they asked for sometimes 3-4 times now I am in the 3rd year of my degree, they have said that I was not entitled to any dependents grant at…
Early Loan Repayment - 2012 Student
Hello, I'm a 2012-starter student on a 3-yr course due to finish this year. My student loan debt is estimated around £44K. My starting salary will be £31250 (+2.45% annual inflation). My minimum annual repayments will be (31250-21K) * 9% = £922.5. According to the calculator on this website, the debt will be wiped after 30…
Financial Help avaliable to current OU students?
Hi Guys! So I've started my OU course about 4 months ago, which I'm studying full time. I'm just wondering what (if any) sorts of financial support people have been able to receive? I ask because it seems unfair that I'm not exempt from council tax, like a traditional bricks and mortar uni student would be, even though we…
Do employers gain from your student loan repayments??
Probably been asked before...... Never really paid much attention to my student loan repayments, other than the annual statements. Last statement was around £240 (march 2014), so i figured i would have it paid of by now, and indeed i have, but my payments have continued to come out, as its my responsibility to say "i've…
Confused! 24+ funding for full package course?
Hi, I am seeking to change career to become a personal trainer and at present have no qualifications in the field, only personal experience. This means I need to do a level 2 gym instructor course then the level 3 personal trainer course. I've searched and better searched for funding for the level 2 as I cant afford to pay…
Student nurse and partner unemployed
Hi guys I am going to be making an appointment with CAB to ask these questions although I thought I would ask in here too in case anybody has any experience of our situation. Myself and partner have two children at home and I am beginning a nursing degree so I will be receiving a bursary my partner currently claims JSA as…
Election Year 2015 - Voting can be moneysaving!
It isn't any wonder that people (of all ages) can get more than a little disillusioned with politics. However, whatever your political views....or indeed whether you really have any at all!...... VOTING CAN BE MONEYSAVING Over the past years of austerity, spending cuts and tax rises have hit the population in a…

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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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