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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.
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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'…
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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…
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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…
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Tuition Fee Debt Collection
A few years ago I was forced to repeat a university year due to personal reasons. I had previously completed a foundation degree at a different university (in the same course) but was forced to start year 1 elsewhere as the first university cancelled the course. Unbeknownst to me, due to my “previous study” I did not have…
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15 year old Student Loan in Scotland...has it disappeared...?
Hello there everyone, have come across these forums before and they seem to be very knowledgeable. Does anyone have advice, or could signpost the way to get some in relation to this? 2005-2009 I was at a Scottish university, as someone from Scotland/UK national, and through SAAS was given the Student Loan Company loans (I…
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Student loan for studying abroad
Hi. My daughter is hoping to do her 3rd year of undergrad in Canada. It looks like she will have to take out a loan to prove she has sufficient funds. She currently studies in Glasgow. Do UK banks offer this ? Can she access student loans?
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Student loan repayment
I applied for a student loan they said I get 131 for the last tax year, but I think I’m owed more due to my wages changes within the year and how much I paid to my under grad and post grad loan. But I’m also not sure if I can apply for a repayment for previous years and how to go about this?
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NHS LSF
Hi, My daughter is English (Scottish mother, English father) she is studying Nursing in Glasgow, she has been awarded just over £5000 Maintenance loan and we have filled out the relevant forms for it to be reconsidered. I found out that she might be able to apply for the NHS LSF, however because she is English and studying…
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Is spouse responsible for my student loan repayments
Hi, I took out a student loan in 1998 (plan 1) and had repayments taken out whilst I was in PAYE. After a couple of years I went self employed and never met the threshold for repayments and never heard anything from SLC. In 2015 I moved to Canada and then got married in 2017. Whilst I am technically self employed here in…
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SLC overpayment refund - THEY DONT GIVE IT BACK TO YOU, JUST ADD TO BALANCE
So I read Martins post and other people getting refunded for overpayment. GREAT I thought! However, I called them and even though theY confirmed that I have overpaid by £1700 they WONT refund me, just add it back to the remaining balance of the loan. All this does is increase what I need to pay back, and in my situation I…
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Student Loans: Household income, SIPP contributions, and CYI = Madness...
Our daughter started university this year, and only received about half the maintenance loan, based on our household income from two years ago (23/24 tax year). If household income drops by at least 15%, then you can request that the loan level be re-evaluated based on the current year's income, using a 'CYI' (Current Year…
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Student loan repayments Scotland
Does anyone understand student loan repayments, specifically for Plan 4- Scotland. I think I may be due a repayment for a few years ago and the year before that but student loan person says no. I am a bit of a unique position (surely i am not the only one) I had a PAYE job in 2021/22 and 2022/23 In both these years I…
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Student Finance Appeal for Second HND – Cybersecurity vs Songwriting
Hi everyone, I’m hoping to get advice or hear from others who’ve been through a similar situation.…
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Students studying NHS degree - England or Wales?
Hi, my daughter is going to start a nursing degree next year. Because it's NHS, she could study at an england uni and get £5k per year towards her maintenance expenses. OR go to study in Wales and get her tuition fees paid if she then works in a welsh hospital for a set period once she graduates. i believe the payback…
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Postgraduate Loan - worth it or not?
Hello All, I'm 45, mid-way through a career change and have just started a Masters, to be studied part-time over 3 years alongside full-time work. Salary currently £32,500. I took out a Postgraduate loan for the value of the course - £11,506, however I'm now doing the sums and concluding that it is a fiscal mistake to…
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Student maintenance loans in England to rise in line with inflation next year
Maintenance (living) loans for students from England will rise with inflation from the 2026/27 academic year, the Government has confirmed. But MoneySavingExpert.com founder Martin Lewis has warned it's "still not enough". Maximum tuition fees for those studying in England will also rise by inflation... Read the full…
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Microsoft Office subscription
Hi, I'm a mum of a undergraduate Uni student. My annual MS Office subscription came out of my account today. On doing a bit of searching, I found out that if an account is set up using my son's Uni email address, he can get it for free. He has an Apple laptop. My question is, will it still work on his laptop (there is…
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Anyone know where this comes from?
The MSE guide to pre 1998 student loans updated Sept 2025 says this: "No new loans of this type were issued after 31 August 1998. However, if you took out this type of loan for your first year of study when the system was coming to an end, you would have remained on the old system for the remainder of your course." Does…
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Difference between Plan 5 and Plan 2 for loan repayments
My daughter did her first degree between 2019 and 2022. She then worked in low income jobs until 2024, making no loan repayments to her Plan 2 loan. In 2024 she started a full time PGCE course which was funded under Plan 5 loan for tuition fee only (no living expenses required.) She is now about to start a teaching job…
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Student loan overpayment and over the threshold
Hello, looking for some advice or trying to find anyone who has been in a similar position. Following Martin Lewis’ advice I managed to get a refund for a few of my tax years where I was under the annual threshold. However I am having issues for two of the years where I was over the threshold but they still took too much.…
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Mortgage-style loan query
I have 3 old mortgage-style loans. Two are with Erudio and 1 with Honours. I've had repeated issues over the years including two upheld formal complaints against them so my confidence in these companies is less than zero. I was told by Erudio last year that all my loans would expire on 7th October 2025. I have been in…
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Student Loan Plan 2 Repayments Plan Help
Student Loan Repayment – Advice Needed * Age: 24, graduated in 2022 * Loan balance: £49,000 * Current Interest rate on student loan: 3.2% * Interest added so far: £886 * Salary repayments made thus far: £1,600 * Current income: ~£50,000/year (likely to increase annually over the next 20+ years) * Sector: Account…
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Student loan income calculation
so is your annual salary for SL payments on plan 2 (£28470) including state pension + private pension or should you add savings interest to this?
