Help With Student Loans - HERE!

Shampers_2

Hi, wondered if someone could help?I start the Social work degree in sept. I have 2 children under 8 and my husbands salary is £22,000. I have looked at the directgov calculator to see what I could be entitled to, but it offers a maintenence loan as well as a grant. I really dont want to have the loan on top of my fee loan as it will mean more for me to pay off at the end. I will be applying for the childcare grant, tuition fee loan and maintence grant-will i be able to refuse the maintence loan? I'm not sure what I will get but if it is not a lot, I will have to carry on working nights, which will be a struggle!!

bestpud

Shampers wrote: »

Hi, wondered if someone could help?I start the Social work degree in sept. I have 2 children under 8 and my husbands salary is £22,000. I have looked at the directgov calculator to see what I could be entitled to, but it offers a maintenence loan as well as a grant. I really dont want to have the loan on top of my fee loan as it will mean more for me to pay off at the end. I will be applying for the childcare grant, tuition fee loan and maintence grant-will i be able to refuse the maintence loan? I'm not sure what I will get but if it is not a lot, I will have to carry on working nights, which will be a struggle!!

As far as I am aware, you cannot access any grants unless you take out the loans.

I know for sure you cannot apply for Access funds at your uni without have taken the loan.

Why not simply put it in an account and pay it back at the end of your course?

Isn't there a bursary for social work degrees?

Oldernotwiser

Much better to take out the Maintenance Loan as well rather than risk failing the course because of shortage of money. A Social Work degree, two young children and working nights is a recipe for disaster!

As Bestpud say, put it in an interest bearing account and it's there when/if you need it. Your repayments after graduation are based on your earnings rather than the amount borrowed so that shouldn't worry you.

Shampers_2

You are right, degree, children and night working sounds bad!! Have to be realistic about this and I dont want my family to struggle because of me. Thanks for your help!

Taiko

You can access grants without taking loans. However, on your husbands £22k income, your outgoings will need to be really high to make you eligible for childcare.

HockeyDuo8083

Hi all,

I am hoping to go back to uni in August to do a PGDE. I am 26 and living in scotland and hope to attend a scottish university. I have been to uni previously (2000-2004) and had student loan for the time that I was there.

Do I still need to get all my parents details when applying this time around? I take it I would only get a couple of hundred pounds as well this time.

Thanks in advance:D

MrsManda

HockeyDuo8083 wrote: »

Hi all,
I am hoping to go back to uni in August to do a PGDE. I am 26 and living in scotland and hope to attend a scottish university. I have been to uni previously (2000-2004) and had student loan for the time that I was there.
Do I still need to get all my parents details when applying this time around? I take it I would only get a couple of hundred pounds as well this time.
Thanks in advance:D

As you'll be doing a PGDE you are likely to be entitled to full loans again. You class as a mature student so your parent's income will not be taken into account but if you have a partner their income may be taken in to account. You can find out more HERE

Oldernotwiser

MrsManda wrote: »

As you'll be doing a PGDE you are likely to be entitled to full loans again. You class as a mature student so your parent's income will not be taken into account but if you have a partner their income may be taken in to account. You can find out more HERE

Just to clarify; as the poster is over 25 she will be clased as an independent student and not assessed on her parents' income. As you say, if living with someone, his/her income will be taken into account.

HockeyDuo8083

I will be an independant student. Is there much difference in the loan amount if you do not have an partner i.e. you are soley on your own in your own home?

Lokolo

HockeyDuo8083 wrote: »

I will be an independant student. Is there much difference in the loan amount if you do not have an partner i.e. you are soley on your own in your own home?

Yes because its only 1 persons income and not 2....