mature student,mortgage, 3 kids and no money

Brightonmum_3

My husband is about to stop working and go back to full time education. Unfortunatly the first year of his 4 year course is not counted as higher education, just further. We have 3 home educated children and a mortgage.
We have done the benefits check which shows we will getmore child tax credit and we have applied for a career dev loan 8k max. This will help cover the cost for fees and 6 months mortgage payments.
Am I missing anything else
The careere dev loan repayments start 1 month after his first year ends! bit scary as we still won't have the money to repay as he will be going on to do his degree.

Debbie1980

Brightonmum wrote:

My husband is about to stop working and go back to full time education. Unfortunatly the first year of his 4 year course is not counted as higher education, just further. We have 3 home educated children and a mortgage.
We have done the benefits check which shows we will getmore child tax credit and we have applied for a career dev loan 8k max. This will help cover the cost for fees and 6 months mortgage payments.
Am I missing anything else
The careere dev loan repayments start 1 month after his first year ends! bit scary as we still won't have the money to repay as he will be going on to do his degree.

Hi,

Universities have a Hardship fund for students which is non-repayable It does give priority to mature students, those with dependents and outgoings like mortgages, and probably the loan you mentioned. It is non repayable and i think can be up to £3000 a year. You also will have to have taken out your full allowance of the student loan. I don't know if for you this will apply in the first year for him. They can also offer short term (i think for a couple of months) low interest loans. As i said, this is the case for universities, i don't know if it will include the first year for him if it is a foundation course. If there is a student union or some sort of student advice centre, then they should be able to tell you, or you can look on their section of the uni website.

Debbie

Brightonmum_3

Universities have a Hardship fund for students which is non-repayable It does give priority to mature students, those with dependents and outgoings like mortgages, and probably the loan you mentioned.......


Thanks Debbie
unfortunatly this does not cover his first year as only available for higher education

netally

My FE college also had a hardship fund, it's probably less than HE but might be worth asking around.

Call your local LEA and explain the situation, they're usually the most knowledgable people. I called the big central call centre for student loans and they were thick as ****.

I'm moving down to Brighton soon to go to Sussex uni, can't wait!