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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.

Anyone know how Maintenance Loans are calculated?
Hi all My son is hoping to go to Uni September 2019. My income for 2019/20 will be quite a bit higher than 2018/19 and I was just wondering about the calculation of his maintenance loan. Is it calculated on household income when he applies for the loan - or is it calculated on his parents income at the end of the previous…
Will I get in trouble for this?
I dropped out of uni about a year ago but have still been using my Santander student account. I just forgot about it at first and then just used it since it was there, but recently have been wanting to close it and open a current account instead. However I noticed that Natwest have a deal right now that if you switch your…
Student loans and tax returns
Hi all, I'm filling in a self-assessment tax return, and one of the questions is along the lines of: "Do you have an income contingent student loan on which repayment began before 6th April 2018" Now, I do have an income contingent student loan, however I haven't yet reached the earnings repayment threshold, so haven't…
Student Loan Debacle from 90s
Hi I am creating this thread because I would like to hear about anyone who was affected by the inability of the Student Loans Company to administer their business during the late 1990s and early 2000s. It's 20 years ago, but I remember news reports about the Student Loans Company being in disarray during the turn of the…
Small student loans
Apologies if you’ve seen this post already but, I attached it to someone else’s post in error! Still not sure I’m doing it correctly, but here goes lol. Hi, I’m signing up for pgce in September and only need a loan for the course fees £9250. Is it worth getting a student loan or would I be better off getting a 0% credit…
Student Loan Nearing End of Repayment - What do I need to know?
I'm currently repaying my student loan through PAYE with have approx 8 repayments left at the current deductions. I would like to continue with PAYE deductions for this tax year and then make a final direct payment in April 2019 to clear the balance. Is there anything I should be aware of before I do this?
Mis-sold course
Hi there wondering if anyone can help me? I was contacted by bright sparks welding after looking at various different welding courses in the summer of 2015. They then contacted me around the beginning of December say there was a course advisor in my area and he would like to come and interview me for a possible placement…
Student Loan Overpayment
I was originally receiving £8000 loan and £1000 grant. They then asked me to submit more information about my families financial status. Once they had received it, they changed my finance to £900 loan and £8100 grant. Unfortunately, they then turned round and said I owe them £1700. Is there any way out of this? I'm really…
Student Loan Repayment Overpayment
Hi there, I am currently repaying my student loans on the plan 1 scheme but due to irregular work in 2018/2019 I believe I will have earned just slightly above the £18,330 threshold (£18,500) however have so far made payment of about £250. Will I be able to claim any of this amount back at the end of the financial year?
Discount or partial waiver for payment in full?
Does anyone know if the Student Loans Company ever forgives part of the loan if you pay in full, in one lump sum? Is it even worth asking?
Student debt getting wiped?
So I'm in fourth year of medical school (and will be graduating after six years) I'm planning on attacking my student debt early, to reduce the interest and therefore the amount I will pay back from my loans, and have even taken a reduced loan this year. However, if my student debt is wiped before I pay it off (Labour have…
Student Finance Advice
Hi, I have applied to study quantity surveying at university starting this coming September and need to start thinking about student finance. The course will be 4 years long with the 3rd year being a placement year. On average, students studying this course at the university I am going to earn £15,000 in their placement…
17 yr old at College away from home
Hello, I am hoping for some financial help for.my 17yr old son who is studying away from home and currently living in halls of residencrle which is costing us a small fortune every month. He is a very talented sportsperson and opportunities for his sport are limited where he grew up so thats why we relocated him to follow…
Going back to university while in debt.
Hi, Hopefully this is the right place to post it. I'll try and keep it brief. I currently have a loan with tesco bank which is currently at £25000 pounds or around £20k if I pay it off now(early repayment figure) I really want to go and do college in September though which will allow me to go to university the following…
Over £8000 debt for 6 weeks at Uni Advice needed please
Hi, new to the site so hope i'm in the right forum and apologies if i'm rambling on!. Can anyone please help as i'm confused about the amount of debt my son has for his time at uni. His place at uni was confirmed on 26/9/13 he enrolled on 27/9/13 His first day of attendance at uni was 11/10/13 His last day at uni was…
How do repayments work
My son started university in 2012, the first year of Plan 2. He has a learning disability so has had difficulties along the way and has just graduated - but he got there and has secured a job graduate job so really well done to him. :T The past academic year was limited to completing an assignment report so no actual…
Many students won't pay less for two-year degrees, says Martin - MSE News
The Government has set out plans for accelerated two-year degrees which it claims will save students at least £5,500 in tuition fees compared to a three-year course - but Martin Lewis has warned that many students wouldn't pay any less...Read the full story: 'Many students won't pay less for two-year degrees, says Martin'…
This is not here
To remove spam phone number from the main board. Why can't the mods do this?
Student Finance Overpayments Being Deducted From Future Payments
Hi, So, I've run into a bit of a pickle. Me and my partner are both looking to transfer to different Universities, I'm looking to transfer to one with a later intake as I've unfortunately gotten quite unwell and need time to get better as I've had to be signed off a lot of the term so far, my partner wants to change…
Chinese Student Allowed to work 20 hours per week - Can they teach Mandarin online?
My friend has moved to England from China to study a masters. She has a BRP and it says she can work 20 hours per week in the UK during term time. Can she teach Mandarin via a website (italki)? This page suggests she might not be able to as she may fall under being self-employed but it seems a bit hard to understand given…

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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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