Buy or rent while partner at university?

Mojisola

trance14 wrote: »

Would you get help with house sharing money from government or would it have to be from me? im really confused and a tad worried about what is going to happen!

Didn't your GF look into student financing before she applied for uni?

trance14

She thought she would be at a local uni were she could still live at home but turns out not now!!

pollydollydoodah

She should get loans...even lowest is about 7k ...there are online calculators on the gov website. Many students (old & young !) Cope on that money. I know funding changes this year so it's all loan. But could she work part time or holidays? Surely she's considered this before applying? Have you discussed this with her?

As for buying....if you're 23, why don't you save for those three years and live at home, then in three years settle where your jobs are. It doesn't sound like either location will suit you both at this present time. Do you need to move this year or was it a choice?

If you buy near her, then she will have holidays off etc...whereas I'd guess you are working five days a week.? So if you need to buy, it makes sense from an outsiders point of view to live near your work.

trance14

pollydollydoodah wrote: »

She should get loans...even lowest is about 7k ...there are online calculators on the gov website. Many students (old & young !) Cope on that money. I know funding changes this year so it's all loan. But could she work part time or holidays? Surely she's considered this before applying? Have you discussed this with her?

As for buying....if you're 23, why don't you save for those three years and live at home, then in three years settle where your jobs are. It doesn't sound like either location will suit you both at this present time. Do you need to move this year or was it a choice?

If you buy near her, then she will have holidays off etc...whereas I'd guess you are working five days a week.? So if you need to buy, it makes sense from an outsiders point of view to live near your work.

I think she would work part time on weekends were she would work now. She doesnt want to live in student accom as she wants to concentrate and not go out drinking every weekend! Would a 8k loan cover her rent and living costs? Seems a bit low, thanks

pollydollydoodah

It's what most student s live off (Inc drinking costs). If she's working weekend's, she will be in a better position than most. Some unis have accommodation for mature students (age 21+ is considered mature)
Has she asked you to ask online or has she already worked out what she will do. I'm sure when she applied uni or ucas would have included the student loans website.

marksoton

trance14 wrote: »

I think she would work part time on weekends were she would work now. She doesnt want to live in student accom as she wants to concentrate and not go out drinking every weekend! Would a 8k loan cover her rent and living costs? Seems a bit low, thanks

I think you both need to sit down and get your mature heads on and work out a plan.

No disrespect but you both appear currently ill advised as to the way forward.

Mojisola

trance14 wrote: »

She doesnt want to live in student accom as she wants to concentrate and not go out drinking every weekend!

Not all students go out drinking every weekend!

Particularly if she looks to share accommodation with older students/PhD students/postdocs - as Kinger said earlier.

CharlieRabbit01

She needs to start applying for student finance asap.

How much she will get will depend on her household income.

Tuition fees are usually covered in full.

The maintenance loan is means tested. A rough guide to amounts:

Household income Loan amount
25,000 8,200
62,180 3,821

And various increments in between.

When household income reaches around 45k mark parental contributions are expected.

Any questions about SFE please ask.

duchy

If you've only just gone PAYE odds are you'd struggle to get a mortgage for a bit anyway without paying to go through a broker.

Was there any reason you accepted a job in Doncaster knowing she was moving to Derby- Surely if you had agreed you'd be living together you should have been looking for jobs in Derby ?

You both sound a bit disorganized so maybe take a bit of time and think everything through - Maybe wait til she has started at uni and is sure she likes the course etc ?

Pixie5740

Do not buy a property in Derby, in fact do not move to Derby full stop. Your life and your new job is in Doncaster so stay put and if you really want to buy somewhere buy in Doncaster.

Your girlfriend will need to cut her cloth accordingly like pretty much everyone else. She might be entitled into some support from Student Finance England and she will probably need to get a part time job like many other students.

If your relationship is meant to be you'll make it work. It might turn out that she doesn't like the course or Derby so there's no point you uprooting your life.