Help With Student Loans - HERE!

sarahs999

Hi. My DH finished two years of teacher training last year and started a job in September. WHen and how should his student loan start to be paid back? I thought it was automatically deducted from his paypacket from April, but it wasn't. Is he supposed to alert someone?

lidiflarcher

Hi just wondering if you can help me.

I am on a midwifery degree course and so the NHS pay my top up fees which is great, but in the long run i have a reduced student loan and the NHS think my parents earn too much and so give me £74 a year as a bursary which is pathetic. I heard that i can refuse the NHS bursary and get the full student loan. Do you know if this is possible and if it is would that mean i have to pay the top up fees though?

Hope you can help

Thanks

Taiko

No, the above is not possible. Student Support Regulations state that if a course attracts an income-assessed NHS bursary only a reduced rate of maintenance loan is payable. Just because you don't take the bursary won't mean you're entitled to more.

beckistar

i wish to thank oldernotwiser for his imformation on my loan matter, i have got in touch with the SLC and am now paying £1 per month lol which is actually all i can afford and will be reviewed again in 9 months. did recieve a letter the other day that i now owe a total of £13,000 when actually i only borrowed 9k but i dont understand why my loan has got a 4k interest over just a year of leaving. is there a way of sorting anything before i get a job or anything like that.
thank you x

Oldernotwiser

beckistar wrote: »

i wish to thank oldernotwiser for his imformation on my loan matter, i have got in touch with the SLC and am now paying £1 per month lol which is actually all i can afford and will be reviewed again in 9 months. did recieve a letter the other day that i now owe a total of £13,000 when actually i only borrowed 9k but i dont understand why my loan has got a 4k interest over just a year of leaving. is there a way of sorting anything before i get a job or anything like that.
thank you x

I'm glad my advice was useful and the SLC was helpful. Will they give you a breakdown of the amounts borrowed as obviously this amount of interest is wrong.

Horlock

Is there a way of forcing student loans company to prove that I owe them what they claim that I do?

I've had student loans for well over 10 years now, and during that time received letters stating all manner of nonsense - from: that I owe nothing, to that I am not required to pay anything, to I must pay immediately etc etc.

The letters offen conflict including letters on the same day stating completely contradictary information (such as your account has been deferred for 1 year from ..., same day your account cannot be deferred for 1 year due to lack of information).

Quite frankly I don't believe that they have any idea who I am or what I owe and they are making it up.

I've written and said that I will not pay anything until I have full details, but no response. Now I'm slightly concerned that they will start to charge fees.

I want to take them to court to force them to provide me with a detailed statement of what I have borrowed, what I have paid back, what interest has accrued, and what money is still outstanding. Anyone know if I can do this.

Situation is:
I do owe them money
I don't know how much
Their letters make no sense
I've put in writing to them that I will not repay until they do
(I am eligible for deferment - and have one letter which says that I am deffered - although others which say otherwise).
I have almost all paperwork for the past 13 years or so.

misterthrifty

MrsManda wrote: »

Your comment about sending information to the LEA concerns me slightly - where did you send the information about your divorce etc to? All the evidence sent for my application last year went to the LEA.
Waiting assessment is the normal status for when the application and evidence has been recieved and it is waiting for someone at the LEA to approve it.
I don't know about your account but your son as the applicant for the loans can send a message to the Student Finance England via his account - there is a link to send a secure message. If he's concerned, he can ask if the evidence has been received and whether any more information is required.

HTH

I sent the info to the address they gave in Darlington, the site states you should only write to the LEA if you started your course in 2008/9. I have looked all over the site but I can't find any way of contacting them via email, the status has changed to 'awaiting information' but I have heard nothing at all. Where did you see the contact link?
Thanks

MrsManda

misterthrifty wrote: »

I sent the info to the address they ve in Darlington, the site states you should only write to the LEA if you started your course in 2008/9. I have looked all over the site but I can't find any way of contacting them via email, the status has changed to 'awaiting information' but I have heard nothing at all. Where did you see the contact link?
Thanks

On the My Account page, on the left side there's links: My Account, View payments, View messages, View Correspondence...
If you click on Messages you can send a secure message to the SLC.
HTH

sarahs999

sarahs999 wrote: »

Hi. My DH finished two years of teacher training last year and started a job in September. WHen and how should his student loan start to be paid back? I thought it was automatically deducted from his paypacket from April, but it wasn't. Is he supposed to alert someone?

Can anyone help with this please?

MrsManda

sarahs999 wrote: »

Hi. My DH finished two years of teacher training last year and started a job in September. WHen and how should his student loan start to be paid back? I thought it was automatically deducted from his paypacket from April, but it wasn't. Is he supposed to alert someone? Can anyone help with this please?

You are right, repayments should automatically kick in the April after graduation once your DH earns over the threshold - I think it's £1250 a month. You shouldn't have to inform anyone as the HMRC should inform your DH's employer. Check that the employer has the right N.I. number for your husband as I believe this is how he'll be linked to his loans. If nothing is deducted from his May pay it may be worth speaking the his payroll department. To clarify my comments you can go to: SLC Repayments: PAYE