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Student MoneySaving

Discuss tuition fees, student loans and grants here - and share MoneySaving deals, tips and tricks to help you spend less at university.

The Great 'Student Discounts' hunt
How about having a great student discount hunt with the new term coming up - hopefully I will qualify for them then as I am looking to do a hunt and it would be useful to have all the discounts in one place _________________________ Note from martin: I love this idea and have therefore adopted it and made it an 'official'…
MSE’S ‘Academoney’ support discussion thread
DIWEDDARIAD Mawrth 2021: Mae cwrs ‘Academoney’ bellach wedi’i gyfieithu i’r Gymraeg. Cofrestrwch i gwblhau’r cwrs yn Gymrae yn fan hyn, ac am fwy o wybodaeth, gwelwch stori newyddion ddiweddaraf MSE. UPDATE March 2021: The ‘Academoney’ course has now been translated into Welsh. Sign up to do the course in Welsh here and…
Help With Student Loans - HERE!
Hey, i have alot of Knowledge of how the student loans procedure works. If anyone needs any help, i can advise as much general info. Obviously i cant divulge into specifics due to Data Protection and the fact that i'd get fired, but anything i can help with, just let me know.
New to the Student MoneySaving board? Start here
👩‍🎓 Some Forum threads you may find useful: * The great student discount hunt * ‘Should I repay my post-2012 student loan?’ discussion * 38 and going to Uni! * Old Style recipe index * The cleaning recipe index Seen any more good student threads on the Forum? Let us know! 💬 🎓 More relevant student content from…
Should I pay for my daughter's PGCE
Hi, my daughter has one more year of her UG degree (re-did year one so 4th year) and wants to do a PGCE after. She will be on repayment plan 2 for her degree but if she takes a loan for the PGCE this will be plan 5. As the latter will kick in to be paid sooner and paid for 40 years (unless she earns less than £25,000, I…
Old Student Loan from 1998
Hi, I have a very old student loan from 1998, for £7450 that has been passed to Link. Because the account was in arrears when I reached the age for it to be written off, it still stands as a debt. My questions are: * Is this know classed as a normal debt that I am liable for until I die, and then my estate becomes liable…
Withdrawing from uni and need to get out of tenancy
My son is withdrawing from his university course in Newcastle due to his mental health having been really bad in his first year. He had already booked his accommodation for the second year in a private halls of residence, not uni owned. He can't get out of the tenancy and the halls staff have told him to find a new tenant…
Student loan
Hey all how do I find out how much of my student loan I have left to pay
Student Loan Overpayment
I have had to set up an overpayment plan for my Post Graduate Loan in addition to the deductions from my wages. I withdrew from my course so I can understand the overpayment. Where do I stand with getting a partial refund from the University as I paid them for the full course? Any advice would be much appreciated !
Plan 2 Student Loan - £6.4k balance
Hi, my plan 2 student loan has gone from about £5,146 to now £6.4k from interest - which is now around £35/40 per month. i pay £10 a month out of my wages but ive just gone to £34k salary. is it worth me paying this off, because if I pay £10 per month from wage, times 12 months, times 30 years, that’s only around £3k I’d…
Refund on overpayment or not?
Hello, Looking for some advice really as I’m not sure whether to pursue a refund I work 3 different jobs - all connected to the NHS. One is a clinical role, one is a teaching role, another is a management job. I love working all three. I wasn’t aware initially when I started working, but have since found out about a…
Plan 2 UK Student Loan repayment as an expat in Indonesia.
I am working in Indonesia making £58,000 per year. The Indonesian payback threshold is only £11,390, above which I will have to pay 9% to my student loan. This is approximately £4000 per year. The fixed monthly rate (the amount you’ll be charged if you don’t provide income information, i.e., arrears) is only £154 per…
Paying off student loan High Earner
My son is a high earner having secured a job which pays 50k+ straight from leaving Uni. He graduated June 24 and started paying immediately in July 24 and now owes just under £50k. He can see the interest being added and looking at calculations online he will pay a lot more back over the coming years if his income…
Student loan
Our house hold income is £35k and my partner has been told he is getting the minimum maintenance loan. No idea why as it says on the gov website he should be entitled to 8-9k not 4.9k. Any idea what we can do to get this resolved
Student Finance Overpayment
I completed my undergraduate in 2018 and then started an online MA. I then paused my studies before officially withdrawing a year later and not returning to my studies. A couple of years on, Student Finance have been contacting me to say they have overpaid me. Any money I was sent from Student Finance, I sent on to the…
Newly single parent- pay off post grad?
Hi all, I’m hoping for some advice on whether I should pay off my postgraduate loan or hang onto my savings. I currently have a Plan 1 student loan which I repay at around £91/month. I’ve recently started paying off a postgraduate loan too, which is an additional £85/month. The interest rate on the postgraduate loan…
Newly single parent- pay off postgrad?
Hi all, I’m hoping for some advice on whether I should pay off my postgraduate loan or hang onto my savings. I currently have a Plan 1 student loan which I repay at around £91/month. I’ve recently started paying off a postgraduate loan too, which is an additional £85/month. The interest rate on the postgraduate loan…
Student Loan Parental Contribution - Which Year?
I hope someone may know the answer to this, as a family friend asked me and I couldn't give them a firm answer (apart from speak to Student Finance, which meant I had given up!). They have two children, one in first year of university, one hoping to go in September and about to apply for student finance. The parent's…
How do we find how student loan was calculated
Last year (2024-25) our Son started uni, and got close to the full maintenance loan. He's recently received information for this year's loan which has dropped to almost half of that. Our income has increased by <£3K over this period, so we expected a reduction in his loan amount, but not that much. On my sfe account, it…
Self employed AND employed - student loans?!
I'm employed and self employed. I had been under the impression that these were counted as separate jobs and so I wouldn't repay student loans on either until they were over the repayment threshold separately (see gov.uk page on Repaying your student loan/How much you repay). I am unlikely to ever earn over the repayment…
Student Loan Repayment - delay in applying repayment between Plan 1 and Plan 2
Hello, I took out a Plan 1 loan to study (grad 2012) and started repaying, then was made redundant and went studying in 2015 taking out a small Plan 2 loan. I started repaying in 2016 where my PAYE salary would get split between both plans, with 2/3 going into Plan 2. I repaid Plan 2 in 2021, and this is when I noticed…
Do cash gifts count towards income when paying back student finance loan?
If I am given a cash gift of say £100,000 - would that contribute to my income, in the eyes of student finance? My understanding is no. Student finance repayment is only levied at your salary - not your savings and/or gifts. This gift would obviously be subject to other taxes (inheritance tax if applicable and capital…
Parent dilemma - pay back loan for year 1/2 or keep and instead pay for fees for year 3/4
I want to help my daughter with Uni fees, but I'm not clear if it is better to pay off the loans she has for her Year1&2 that are accruing interest or instead Pay for her Year 3/4 fees directly so no loan needed .... (I hope be able to pay for all 4 years in future) She is studying Psychology and I've no idea of her career…
How to find student discounts
Hi all, I'm wondering what people's strategy is for finding discounts and cashback offers. There are multiple different student discount schemes. There are also multiple cashback providers, including the cashback sites Topcashback and Quidco, cashback from debit or credit cards, points from nectar, avios etc. I've often…

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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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