Halifax loan declined...any thoughts?

19lottie82

Lilith1980 wrote: »

My existing debts are all 0% cards which I shuffle when the deals run out.

You won't be able to carry on doing this forever.

Seanymph

Perhaps take an extra year and knock down your debt before going nxt year - although if you ware only paying minimum and moving then how will you get it down?

Adding to your debt and facing four years at uni sounds a recipe for disaster to me. I've got two kids at uni at the moment, and it's an expensive time!

jonesMUFCforever

Lilith1980 wrote: »

My existing debts are all 0% cards which I shuffle when the deals run out. I just pay the minimum at the moment.

How many 0% cards do you think you will get as a student?

chambta

Thrugelmir wrote: »

Good luck in your search.

I'm not looking for one. I do them for customers who do though.

BillJones

OP, you look to be heading for an absolute financial disaster. You are already deeply in debt, and yet want to take four years out to study with no plan as to how you are going to pay this back.

It is VERY likely that your house of cards will collapse around you part of the way through your course, leaving you without your qualification, out of work, and owing tens of thousands of pounds.

Please, don't go into this without full funding in place.

catwoman73

I might be missing the obvious, but can't you get an official student loan from the Government? The kind that you only have to pay back when you earn over £21K and is more of a graduate tax, rather than a bank loan?

19lottie82

catwoman73 wrote: »

I might be missing the obvious, but can't you get an official student loan from the Government? The kind that you only have to pay back when you earn over £21K and is more of a graduate tax, rather than a bank loan?

This is generally the case, but there a few reasons why this may not be applicable.

Off my head, the OP may have been to Uni before and dropped out, so the government won't offer loans / bursaries for her to study the same years again.

Other possibilities include, the course may not be an undergraduate one, or the OP may not be British.

Pixie5740

Yes the OP could apply for a student loan providing he/she is eligable, hasn't already had one and this is an undergraduate degree.