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Student MoneySaving

Archives for July 2017

SLC overseas problem
Hi everyone, I studied between 2005-08 so I think I have a "plan 1" type contract with the student loans company. A few years ago I moved to the EU to travel for awhile and am now studying a postgrad degree at a university here. My problem is I never informed the SLC that I was moving abroad for a couple of reasons. I…
Student Loan when Travelling
Hi, I've been unemployed and travelling since November 2016. I have informed Student Loans that I'm not receiving any income and provided the evidence they asked for (I actually sent them all my bank statements since leaving my job as well as the most recent ones). Unfortunately, they said this was not adequate and they…
Part-time > full-time previous study rule
Greetings I've wanted to go to university to study a particularly niche degree for many years but unfortunately, I'm still too ill. I'm running out of things to do to pass the time, so I thought about the Open University - but I don't want to do anything that might make me ineligible for a future student loan. Someone…
Not got full deposit back
Hi, Hope this is the right place to post this. I need advice on what to do about the rental company not giving our full deposit back. I've just graduated and received my final deposit back from our house and found out we've been £177 short changed from £800. After contacting them regarding this, they showed us why they…
Payroll/SLC/HMRC threeway...
I genuinely looked for five minutes to decide which forum to post this in, so if it's in the wrong place, apologies. I work full time, and like many, have a student loan which needs repaying. I pay £x per month. Not long ago I received my annual statement from the SLC for payments 2016/17. Instead of saying I had paid…
Extra charges added to my Degree?
Good evening all, I am hoping someone is able to please put my mind at rest. I have done 1 year with the Open University, with the plan to move to a "Brick" University this September as I don't have any A-Levels. I applied for a course with Manchester Metropolitan which is BSc Exercise and Sport Science (Distance…
Multiple student accounts - freebie hoarding
Hi all, I'm starting my first year of undergrad this year and will be opening a student account soon. I was wondering if it is advisable to open an account in order to obtain its freebie and then subsequently close and move accounts in order to obtain another, eventually ending up with the "best" account in terms of…
The Great Hunt: What unexpected expenses did you have at uni?
Doing a budget before you head off to uni should be a top priority, but did anything crop up that you didn’t expect? We want to know anything you had to fork out for at uni that you didn’t expect or budget for. Thanks in advance. [purplesignup][/purplesignup]
student and now 60 years old
I started uni last year (2016) at the age of 59. In May this year (2017) I had my 60th birthday. SFE now tells me that for my second year, my maintenance loan drops from £8600 (approx) to £3566 ' because I will be 60 on the first day of term'. Difficult to get clarification but most information I have found re. funding…
Should I pay off my student loan if I'm going to be a high earner?
Hi, I really cannot decide what I ought to do about my student debt owing to all the political uncertainty at the moment. I started my course in 2014 and am graduating next week. I have over £40,000 of debt and I know the interest rate is pretty high at 4.6% (generally more than I could get in savings!). My problem is that…
Urgent advice needed
Hi all, quick question that I need help with OH has finally completed the uni course and is due to graduate in septemeber. Student finance has now pulled this years fees due to the following. Childcare forms were filled out fraudulently and all funding has stopped, I know this is untrue as her child has been going to the…
Student account for France
Just wonder if anyone has recent experience with opening a bank account for a student studying in France (Lyon, in our case!)? Found some old threads, but nothing current. Obviously doing some googling too ;-) thx!
Guide discussion: Should I repay my post-2012 student loan?
This is the discussion area for the Should I repay my post-2012 student loan? guide. Click reply below to discuss. If you haven’t already, join the forum to reply.
Gap year trip causing fee status issues
I am currently 34 and support myself. I finally took the plunge after deciding I really want to be a nurse in October 2015. I needed to do an access to HE course which I could not attend until September 2016 so decided to take a gap 'year' trip to South America (something I had wanted to do for such a long time. I booked a…
£65,000 worth of student debt: Pay it off early as a high earner?
I currently have £65,000 worth of student debt. I am due to start employment in London in September. My salary will be as follows: Yr 1: £40,000 Yr 2: £45,000 Yr 3: £80,000 Yr 4: £90,000 Yr 5: £100k++ In years 1+2 I can save £1,000 per month - saving up for a deposit for a house which would ideally be purchased in year 3…
Teacher training - should I pay the fees or get a loan?
Forgive me if this has already been addressed somewhere, I've had a look but can't find anything....... I am starting teacher training in September, so just a one year course...... but most online calculators don't give an option to select a one year course. I'm trying to decide whether to get a loan to pay the course fees…
Student Loans in Scotland
Hello - please could someone help run me through the savings versus repayment argument for a student starting in Scotland (no tuition fees) in 2017? The student will receive just the minimum maintenance loan of £4500 for 4 years ie total loan £18000. As this amount is not as large as the £50000 figure for England currently…
Student loan problem
Hi all, I'd be really grateful if somebody could offer me advice. My son enrolled on a BEng course in Electronic Engineering course four years ago. (I forgot to mention that prior to this, he completed a one year Foundation course). He passed first year, but unfortunately failed a couple of second year modules, which he…
University tuition fee
So I have just completed a 3 year degree. Student finance cancelled my last tuition fees to the university and maintenance loan as they needed evidence. I sent the evidence and now they are requesting more that I cannot give them as the 2 organisations they need it from have changed hands so no longer have what I need. Now…
Do you need help with your dissertation?
Hi everyone Every now and then we receive requests from students asking to be able to post a survey to help with their dissertation. If that would help you we have a dedicated Surveys forum board. Feel free to post on there. If you know anyone else who might need dissertation help on a consumer related topic with their…

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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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