📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Help With Student Loans - HERE!

1247248250252253469

Comments

  • hi folks, newbie here so please be gentle!

    i am 38 yrs old and currently studying an access course in England so that i can do a degree (again, in England) next year.
    HOWEVER, i have a bad credit rating and i'm worried about getting money to pay for tuition fees etc, at the moment, i am currently unemployed although i'm hoping this will change soon.
    i have taken enormous strides to turn my life around and i am desperate to attend university. any advice, links, articles etc that you might be willing to share to assist me with my financial worries will be enormously appreciated.
  • Taiko
    Taiko Posts: 2,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Assessment is correct on the HNC, due to it being an equivalent level qualification. No entitlement to any form of support.
  • MrsManda
    MrsManda Posts: 4,457 Forumite
    Stevi0 wrote: »
    i am 38 yrs old and currently studying an access course in England so that i can do a degree (again, in England) next year.
    HOWEVER, i have a bad credit rating and i'm worried about getting money to pay for tuition fees etc, at the moment, i am currently unemployed although i'm hoping this will change soon.

    If you've never studied at degree level before and meet the residency and course criteria you will be eligible for student finance including a tuition fee loan and maintanence loan. Your credit rating won't affect your eligibility for the student finance package.
    http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/Gettingstarted/DG_171574

    http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/Typesoffinance/DG_194804
  • Don't know if anyone can help? Do you have to repay student loans (ones taken out after 1998) if your only income is not from employment or self employment? It's a hypothetical situation at the moment, but if our only income was from a maintenance grant, would we have to repay loans if we were over the threshold? Ta muchly x
    £11,000 in 2011
    £800/£11,000

    Weight loss: 11st 1lb (2 stone to lose)
  • Oldernotwiser
    Oldernotwiser Posts: 37,425 Forumite
    debsleypig wrote: »
    Don't know if anyone can help? Do you have to repay student loans (ones taken out after 1998) if your only income is not from employment or self employment? It's a hypothetical situation at the moment, but if our only income was from a maintenance grant, would we have to repay loans if we were over the threshold? Ta muchly x

    Surely a maintenance grant isn't going to take you over the £15,000 threshold?

    Also, you say "we" but household income isn't used to assess student loan repayments.
  • Could I get a loan if I will be studying in scotland? Are the conditions for returning it the same? How big loan could i get?
  • vaidile wrote: »
    Could I get a loan if I will be studying in scotland? Are the conditions for returning it the same? How big loan could i get?

    You might want to start your own thread but here's the student loans company for Scotland

    http://www.saas.gov.uk/student_support/eu_students/2001_or_later/index.htm
  • nick65g
    nick65g Posts: 10 Forumite
    edited 25 November 2011 at 1:22AM
    Hi, this is my first message on this forum.
    Please help me to clarify a problem with my child Maitenance Loan from SLC.
    My child Onix is EU student (but not UK national) in London. She arrived in UK after 01 Sept 2011, lets say 08 Sep 2011.
    She obtained Tuition Fee Loan; But Maintenance Loan si not aproved because SLC said that she had to be "oridinary resident in UK" on 01 Sep 2011 (the official universitary year begining), even if the courses started on 12 Sep 2011.

    Please send me the link where this rule is enforced, because I have read 100 pages on SLC site, guverment site, UCAS etc, but I did not find the rule. For EU students living for 18 years in EEA (but not UK), with EU parent working in UK for at least 2 years (migrant worker) where is the request for ordinary residence on 01 Sept?

    Thank you!
  • MrsManda
    MrsManda Posts: 4,457 Forumite
    edited 25 November 2011 at 11:50AM
    nick65g wrote: »
    Hi, this is my first message on this forum.
    Please help me to clarify a problem with my child Maitenance Loan from SLC.
    My child Onix is EU student (but not UK national) in London. She arrived in UK after 01 Sept 2011, lets say 08 Sep 2011.
    She obtained Tuition Fee Loan; But Maintenance Loan si not aproved because SLC said that she had to be "oridinary resident in UK" on 01 Sep 2011 (the official universitary year begining), even if the courses started on 12 Sep 2011.

    Please send me the link where this rule is enforced, because I have read 100 pages on SLC site, guverment site, UCAS etc, but I did not find the rule. For EU students living for 18 years in EEA (but not UK), with EU parent working in UK for at least 2 years (migrant worker) where is the request for ordinary residence on 01 Sept?

    Thank you!

    I'm not sure if this is what you're looking for. Someone else with a better understanding than me is likely to be along soon.
    Lived in the UK for more than three years?

    You can generally apply for additional support on top of help with tuition fees if all of the following apply:

    • you are an EU national yourself (having a parent who’s an EU national isn't enough to qualify)
    • you will have lived in the UK and Islands for at least three years when you start your course, for reasons other than receiving full-time education
    • you are living in England, Northern Ireland or Wales at the time when your course starts (this is 1 September for a course that starts in the autumn)
    http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/StudentsFromOtherEUCountries/DG_070143


    Definition of academic year from the Education (Student Support) Regulations 2011:
    “academic year” means the period of twelve months beginning on 1st January, 1st April, 1st July or 1st September of the calendar year in which the academic year of the course in question begins according to whether that academic year begins on or after 1st January and
    before 1st April, on or after 1st April and before 1st July, on or after 1st July and before 1st
    August or on or after 1st August and on or before 31st December, respectively
    http://www.legislation.gov.uk/uksi/2011/1986/pdfs/uksi_20111986_en.pdf
  • Taiko
    Taiko Posts: 2,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Indeed, it's Schedule 1 of The Education (Student Support) Regulations 2011
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.