Help/Advice over Student Loan 2012

Fairfax

Dear All,

Some help or advice here would be appreciated. My fiance's daughter from is about to go to uni as is my son, who lives with his Mum. Whilst our total household income is above £60k a year, I am still paying maintenance for my three children (25% of net salary) and am committed to helping my son at uni as well. My partner's ex has refused to pay anything to help his daughter. Looking at the system it appears that she will get 65% of the loan and 0 grant which means that we are going to find it very difficult to meet her cost of living which is averaging at £8K+ per year. As I have to pay for my children through maintenance or at Uni is there anyone else in this position who can offer some advice as to what one can do? My fiance earns less than £20k per year but the info states that total household income is taken into consideration, not the individual needs despite the fact that I am paying out for my children.

Many thanks

[Deleted User]

£80k gross household income and you dont have enough....spare me please

thegirlintheattic

If she is struggling she will need to get a job.

Otherwise have you done an SOA to see if you can find the money for university from somewhere else? On that much money you should find somewhere where you can cut your expenses.

Will you still have to pay maintenance on your son if he is at uni?

Bravehearted_2

woodbine wrote: »

£80k gross household income and you dont have enough....spare me please

You could have spared yourself by not posting the useless sentence and just exited the thread.

If you have any common sense you would see that the op explained why that income which you think is very large is not quite enough. Paying maintenance for three children at 25% of net income is a lot. Thats before the usual outgoings of mortgage/rent etc.

Op seems the way forward is a part time job for her whilst at uni. Post a SOA.

miketaff1408

woodbine wrote: »

£80k gross household income and you dont have enough....spare me please

Nor did you read the OP clearly enough before jumping to your conclusion.

He states TOTAL household income is 60k.

Later he states parnter's income is 20k.

That does not mean 60k + 20k = 80k

The 20k falls within the 60k.

[Deleted User]

should i poke needles in my eyes now or later !!!!!!,even a household income of 60k should be enough maintenance or not,many families manage on a third of that

19lottie82

Hi OP - I guess you and your wife can only give your DSS what you can afford and nothing more.

Are you sure it's HOUSEHOLD income and not parental income that decided how much student support she recieves?

My younger (half) brother has just graduated and he got a full loan / grant even though his father earned 70k ish and his step father earns a good wage, as they just assessed him based on his mothers wage. (fathers income doesn't count as parents are divorced and he lives with his mother and step fathers income doesn't count as he has not adopted him).

This is is Scotland tho, so Im not sure if things work differently.

19lottie82

PS can you DSS not study @ a local uni and stay at home to keep costs down?

19lottie82

woodbine wrote: »

should i poke needles in my eyes now or later !!!!!!,even a household income of 60k should be enough maintenance or not,many families manage on a third of that

it's all relative tho woodbine, you don't know their incomings and outgoings, so you can't really make a fair judgement

Shelldean

19lottie82 wrote: »

Hi OP - I guess you and your wife can only give your DSS what you can afford and nothing more.

Are you sure it's HOUSEHOLD income and not parental income that decided how much student support she recieves?

My younger (half) brother has just graduated and he got a full loan / grant even though his father earned 70k ish and his step father earns a good wage, as they just assessed him based on his mothers wage. (fathers income doesn't count as parents are divorced and he lives with his mother and step fathers income doesn't count as he has not adopted him).

This is is Scotland tho, so Im not sure if things work differently.

In England it's definatly based on HOUSEHOLD income. DD just finished 1st yr, her grants and loans etc were based on the income of myself ( nothing as SAHM) and my husband (her stepdad who works FT). They calculated it on who she lived with. As she never stays with her father it was our joint income that counted. And my OH also hasn't adopted her.

OP try asking on Student board