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Student MoneySaving

Archives for September 2017

Need Advice with finances: Dropping out of second year
Afternoon all, i'm currently in my first term of second year, and since day 1 of first year i had never really felt like university was for me, i don't like the course, nor can i think of a course id rather do and don't like the uni atmosphere. I just generally feel unhappy at uni and i don't want to continue through 3…
Maintenance loan query
My DD will (she hopes) be starting Uni in 2010 so the household income that will be used to determine her maintenance loan is 2018-19. Does she have to reapply every year or is the 5 years (long course) of loan calculated at the beginning and then used year on year? I can see that we could make massive pension…
Student card
Is it possible to get a student card or ID for my teen girls who are at school as we intend to visit the Acropolis soonand you can go for free if you have a student card.Tia
Student loan additional drawdown on statement... 5 years after finishing uni??
I left uni in 2012 and have just received a statement that has £3k 'drawdown' this year which means that despite making payments each month my overall balance has actually gone up this year. I called the SLC who said that sometimes universities are a 'bit late' with charging their fees correctly. I asked for them to send…
Can only 1st years get a student bank account?
Hi, I went into Santander today, hoping to get a student account with a free 4 year railcard, and was told that I couldn't open an account as I was in my second year of study. They told me that the rules had changed, and now you can only open a student account in your first year of university unless you are switching from…
Have you seen the O2 students and Monzo deal?
Looking for advice if is this is really as good as it seems :D You get 20% off airtime and a Monzo card with £30 credit, when you sign up or upgrade to a new O2 Refresh plan (google O2 students and it comes up!). Seems great and you get to skip the 3 week waiting list for a card! Has anyone already signed up or seen it??
How to open a student bank account when studying at Open University?
I am studying at the open university fulltime and wonder if any bank account will accept me for a student bank account?
My own money saving tips...
As a college student, if I want to have a trip, I need to learn how to save my money... Everyone who work hard every day for the living and feed the family, the wages are only in the hands for a little moment, then it gently and quietly go away, where the money is? Supermarket, hospital and school. There are really too…
Query: Any benefit for sponsoring spouse's post graduation
Hey all! I have been following MSE forums for all my financial decisions and posting for the first time as i couldn't already find any thread related to my query. I am on a Tier 2 General visa in UK and would be sponsoring my spouse's(on Tier 2 Dependent) post graduation course. As she applied late for the course, we could…
Overpay mortgage or clear student loan?
My DD has a student loan pre 2012 with repayments of about £270 per month. She also has savings (thanks to generous grandparents) which could have cleared the loan but we thought it would be better to keep the loan and the savings for all the reasons Martin mentioned. She is now buying a flat and because she has a large…
Anyone on this thread interested in discussing current affairs?
There's a forum on the site called Discussion time. I recently carried out an age survey on there and there wasn't a single person in the 18-24 group. I think the forum might benefit from a wider range of opinions, especially in view of the degree of polarisation in views and priorities between the young and old these days.
PGCE Funding and additional help
Hi, so I am looking at doing a maths PGCE and wondering what funding I am entitled to as a single parent. I would be doing the PGCE full time and would have no income. However, I do know I would be entitled to a £25,000 bursary so I'm just wondering if any one knows exactly what of the following I would be entitled to in…
student finance for the mature student
So..I am new to the forum, but need a question answering. I am about to apply for student finance to study to be a nurse with the OU. At 48, and a 3 year course, this would take me to 51 before I would need to repay anything. What happens at retirement age as the loan is wiped after 30 years and hopefully, I am still not…
Student loans- old style- 4 loans from 1995-1998
Hi, I was at university starting in 1995 and graduating in 1999. I will be 50 next year and am unclear as to whether all 4 loans will be written off from Erudio's books or just the first 3- ie do all post 1998 loans have the same terms or is it dependent on when the course started?? So do all 4 get treated the same?? I've…
Student loan interest/repayment a scam?
Can't believe I only just noticed this. HMRC deduct money from my paycheck every month for student loans repayment, but then they sit on it until the end of the financial year before handing it over to the Student Loans Company as a lump sum. Meaning, throughout the year, SLC are applying interest each month based on a…
cut-off date/age for old style student loans?
Hope this is the right board. I went to uni from 1995-99, so got 4 loans out at the time, one for each year. This would have been the old consumer debt-style student loans. Anyway, what with ill health, low income and other circumstances I've deferred repayment every year since I graduated. My question is: I vaguely…
Student finance confusion
I have a little bit of a complicated situation and I'm trying to make sense of it and second guess the outcome, which is doing me no good at all! I am a second year nursing student however, due to previous qualifications and experience, this is my first year of university study. I am lucky enough to have been sponsered for…
MSE News: Close to paying off your student loan? You can now choose your direct...
Graduates in the final years of repaying their student debt can now choose the day their monthly loan repayment is paid...Read the full story: 'Close to paying off your student loan? You can now choose your direct debit dates' Click reply below to discuss. If you haven’t already, join the forum to reply.
Should I pay for my final year rather than a loan?
Hi, So I started University in September 2014, I've done 3 years, one of these being a placement year, and have taken tuition fees for all 3, so totalling about £19,000, I have no other loans. I have the ability to pay for final year out of my own money, rather than adding to my loan. I would hope/expect to start on a Grad…
query re: masters grade -referred on a small part so mark set at a Pass
just wondered if this is usual. Just finished my Masters and got the overall grade which was a pass as I had a referral on a presentation so the overall grade can only be a pass. This seems a bit unfair. Anyone know if it is usual? If I had realised I wouldn't have wasted so much effort!

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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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