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Student MoneySaving

Archives for April 2018

Maintenance Loan
The student maintenance loan for those who's parents earn a combined salary in excess of £70k: For students starting in September 2018 The government website says a loan of £4,054 will be awarded The MSE website says 65% of the full amount will be awarded I have just applied and the official form that I have just filled in…
Postgraduate Loan
Hi Everyone, I will be starting postgraduate study in September. I have savings available to me, but I am wondering whether it would be better to take a Postgrad loan and save the money for a house deposit, or spend the savings. With a postgrad loan it will be a £10,000 loan with 6.1% interest rates and I will have to pay…
Student Loans Company Independent Assesor Liaison -- any experience?
Hello, Not sure if this is quite the right place to post this, apologies if so. I was wondering if anyone has had experience dealing with the Independent Assessor Liaison office at the Student Loans Company. Long story short, I had a complaint referred to the Independent Assessor, who recommended that I be paid £600.…
Changing from English to Welsh Student Finance advice please
So, we are in the recess of buying a house in Wales - should complete in a month or so (fingers crossed). Both my son and daughter are due to start uni in September. At the moment we live in England and the deadline for applications for student finance is tomorrow so they are obviously applying. When we move to Wales they…
Childcare & Studenting
Hi, I am almost at the end of my first year and so far i have spent in the region of £2000 in childcare. I applied for the grant and unfortunately we did not qualify. My student finance for the year was £9500 ish. However, what plays on my mind is a comment that was made about what we should and should not be expected to…
Help with deferring erudio student loan
I have a loan with erudio. I started uni in 1997 and graduated 2001. I have been deferring since then as I have been below the threshold. From January this year I have got a 2 year secondment, paying me an honorarium (as worded on my pay slip). This takes me just under the threshold to repay. If I add child benefit to it,…
Student Loan repayment
HI I know there is a table for this but still need to ask as I am still not sure. I am in Northern Ireland, I got student loan for academic years 1997-98 and then 98 to 99 (I was then aged 28) I have deferred apart from a few payments since then (I'm an artist ). My query is, I will be 50 in July, am I reading the table…
Student Finance & going on holiday
I am going on a summer holiday for exactly 3 months. I phoned up student finance to tell them the dates and they've told me they need a copy of 3 months worth of my bank statements and my full travel itinerary from British Airways. I am going to the US so there's no way I'd be working out there which I pointed out and they…
Student loans and inheritance
Do you have to declare an inheritance on student loan deferment form? Do you need to declare cash gifts? Pre-1998 loan if that’s relevant. Thanks
Student loan statement - missing ones
I took student loan between 2000-2003 (biology degree) and again 2004-2009 (medicine degree). I admit I've been a bit lax about monitoring what I've paid and what I've been charged in interest. I'm on sick leave at the moment and having more time than I've ever had in recent years I'm trying to sort out where I'm at with…
MSE News: Student loan interest rates expected to rise in September - but don't panic
Student loan interest rates expected to rise in September - but don't panic...Read the full story: 'Student loan interest rates expected to rise in September - but don't panic' Click reply below to discuss. If you haven’t already, join the forum to reply.
Repayment Threshold 2019/20
With RPI for March in at 3.3%, the repayment threshold for plan 1 loans will rise to £18,935 from 6 April 2019 (18,330 x 1.033 rounded up). With the average earnings increase for Jan to March in at 2.9%, the repayment threshold for plan 2 loans will rise to £25,725 from 6 April 2019 (25,000 x 1.029). From 1st September…
PHD funding
Hello My partner is going to be doing his PHD full time, starting September 2018. Is anyone aware of any additional grants? Eg; Childcare, travel, course fees. Many thanks Athena101
Student Loan Repayments for contractors - Non refundable overpayment
My P60 confirms that I have payed 11.5% of my earning to SLC above the 21k threshold. This should obviously be 9% but as my wage fluctuates on a weekly basis some weeks I get charged more student loan repayment than others. I believe the calculation is based on earnings above a certain amount per week are liable for…
Good News for Graduates
The minimum salary that you start paying back your student loan has been increased from £21,000 to £25,000. I'm a new user so I can't post links but I read it in the Financial Times so a quick Google search should bring it up.
Open University finance 2018/19 help
I will be starting my second year come October and i would like to know if there are any financial aid options for students with a low income? Please note that I am NOT referring to student loans but to financial help with bills, textbooks, hardware etc. If it helps I am studying 120 credits in psychology
Paying For Sixth Form
I’m not sure if I’m posting this in the right place, apologies if it doesn’t belong here! I’m a 17, almost 18-year-old student who didn’t get his GCSEs in school, but might be given a chance to study at one of the best sixth forms in the UK in the next academic year. I come from a low income family, and we can’t afford the…
Tenancy Rip-Off
Apologes if this has already been covered. Had to arrange my Step-Daughters accommodation for university, the tenancy agreement is for 51 weeks, given that the term ends at the end of June, is it fair that she will have to pay for July & August? I think this is a rip off, is there anything that we can do to avoid paying…
Student funding for dance
I have been searching the interet for advice and don't seem to be getting anywhere. I just wondered if you could give me any advice on how to go about getting any financial help for my daughter? She will be 16 in August and has been offered a 3 year dance degree course for September. They do not accept Dada's and have…
Two kids at uni
And it isn’t cheap. We pay the difference up to the max maintenance loan, and more on top for bits and pieces. One of them is finding it ‘difficult’ getting a p/t job - any advice out there ? And they fancy doing a masters afterwards !!!128561; The other has a job but has far less contact with lecturers.

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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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