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Student MoneySaving

Archives for March 2021

student finance foundation year help
I'm currently in my foundation year at univeristy. I'm not happy at the university and want to change unis i want to do the same course but somewhere else. If i have to start again on a new foundation year will student finance cover all 4 years of my new course. please help.
Money Moral Dilemma: Is it 'morally wrong' to use student discounts aged 55?
This week's MoneySaver who wants advice asks... I'm a 55-year-old mature student doing a continuing education course at a university, which is about two hours a week, plus reading, studying etc. As such, I have a university email address, which means I'm eligible for all manner of student discounts. My 20-year-old son, who…
repayment plan 2 fluctuating Salary
I am paid a basic salary that is under the repayment threshold(plan 2 student loan years 2016-19) . I receive extra salary in bonuses some months Is the repayment worked out on your yearly salary or can earning (£3000) trigger repayments even if your yearly salary is still under the threshold?
Finding A Foundation Degree
I applied for my dream drama school and although I didn’t get on to the full course, I was accepted onto the foundation course. The full course is funded by a student load however the foundation course is privately funded paying £9250 for the course and living costs on top of that. I’m desperate to go but I don’t know how…
Student loan repayments to drop for many Scots by £500/yr from April
Read the full story: Student loan repayments to drop for many Scots by £500/yr from April
Student loan
hi my daughters grandparents have very kindly put away some money in a trust for my daughters education. Looks like it’s about £10k per year. Does she have to declare this in the student loan application and will it affect her overall grant? She will get the minimum loan because of family income thanks
Unfair student accommodation rental payments due to Covid
Hi, my son is a student at a University in the Midlands and has been studying from home since mid-Dec due to the pandemic. He has a private accommodation room secured which he hasn't used since early Dec. The private halls company have taken around £2,000 (second payment) to cover the period over Christmas and up to April.…
Tips for making/saving money as a college student?
I'll be going to college next year and im realizing I'll need to be financially independent pretty soon and I'd like to get ahead of the curve. I already have a credit scor from 678-695 which good apparently but I can only do so much without money. I've been doing short term coin investing and have made like 50$ so far but…
Student bank accounts and overdrafts – bad advice from MSE?
I have one child at uni already and another about to start. Both already had bank accounts yet both asked me if they should get a student bank account. A couple of years ago, we opted for one which had a £100 intro bonus, and this was to my mind the only reason to have it. If you read any guide to student bank accounts…
Too much Maintenance loan
My Daughter is a first yr midwifery student and gets over the maximum maintenance loan for her course, due to my very low income and the longer length of her course. She also receives the NHS non repayable annual bursary. Due to the pandemic she will not use all her loan this year and has already put a few thousand into…
Understanding council tax bill when one is no longer a student
Currently my DS houseshares with 2 other students. 1 housemate is on yr2 of their degree as is DS, the other is on their third and final year. At the minute as they are all students they are exempt from council tax. My understanding is this will change when the 3rd housemate officially finishes their course and then the…
Student loan repayments - multiple jobs.
Hi, Just a quick query.. Is it correct that if someone has multiple jobs (all PAYE, therefore no self assessment) and doesn't earn above the monthly repayment threshold of £1615 (Plan 1) at any one of those jobs, yet overall earns above the annual threshold of £19,390 (Plan 1) then they'll never make any repayments?.. Is…
Where to begin- student daughter?
Looking for some advice please: Daughter currently doing AS levels, so looking to go to Uni September 2022. We live in Wales, but she's thinking of Uni in England- maybe Exeter or Bristol. 1st in family to go to Uni, so after all help we can get please I've had a look on finance, don't think she will get much help-…
Repayment Threshold
I have PAYE income and I'm self employed with my own business at the same time. On my last self assessment I input my PAYE income and what was a loss on my self employed business that took my income below the threshold for repaying student loan, or so I thought. I contacted SLC who said they only look at PAYE and so my…
I need a basic guide to being a parent of a student!
Daughter is going to be starting uni next academic year. It’s a looooong time since I was a student and I no longer have any idea how any of it works To complicate matters I’m in Scotland and she’s going to uni in England would very much appreciate guidance/hints/tips on: Student finance/loans accommodation likely costs…
Does completing a 1 yr HNC or CertofHE affect student finance for a degree?
My daughter is currently applying for performance degrees eg BA Acting or Musical Theatre at drama schools (not universities). Most of them also run a 6-12 month long foundation course. In the huge majority of them these are not funded, you pay privately and there's no qualification for them at the end. Completion of a…
Student Loan Help Regarding Missing Payments (maybe my fault!!)
Hi all, I recently had a statement through from the SLC showing all of my statements for my previous payments. The statement showed that I had zero payments made in year 2013-2014. This is very strange as I was employed with the same employer from 2011-2015, and the statement shows that I made full payments in the years…

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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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