Is partner liable for my student loan?

badmemory

Baxterkirby wrote: »

Today I have received a letter from the student loans company advising that HMRC have been in touch to advise I'm no longer working. I am now fortunate to be a stay at home mum and we live off my partners wage.
Part of the form I received requests evidence support that I am supported by a third party.
My partner does not pay me money we both take money out of his account, will they accept my bank account showing no money contributions from him? Is my partner liable for the student loan now I'm not working?

Any help would be appreciated as I cannot find much information on the question.
Thank you

Use the search tool on here to find the large thread about Erudio student loans help & you will get some help there

ViolaLass

ReadingTim wrote: »

The OP fits neither category.

How do you propose to know that at the point that they go to uni?

Ed-1

badmemory wrote: »

Use the search tool on here to find the large thread about Erudio student loans help & you will get some help there

The Erudio thread is about different loans to the ones OP has. Erudio now owns pre-1998 mortgage-style student loans which are repayable over a fixed term and can be deferred if you earn less than the deferment threshold. HMRC has nothing to do with these loans.

The OP has post-98 income-contingent loans. If you are employed HMRC instruct your employer to deduct the statutory repayments directly from your salary if you earn over the repayment threshold. If you are not employed SLC will ask for evidence of how you are supporting yourself to be satisfied that you haven't got income coming in and should be repaying.

Puddylove

I'm shocked and disappointed by the misogyny shown in this thread.

Badly done, gentlemen.

Firstly, I wonder how you would define a worthwhile occupation post graduation? Would it be on money earned? Taxes paid? Contribution to society? And would raising educated children not be the best contribution?

Secondly, are you suggesting that anyone who is likely to become a parent should be excluded from HE? How will you tell?

I'm a woman too - I've voluntarily repaid my student loans, I earn so pay tax, but I have no children so expect the state will have to care for me in my dotage.

Thirdly, just because OP has children doesn't mean she should or will leave the job market forever, or never pay taxes (or repay the Loan) again.

So there. :rotfl:

badmemory

Ed-1 wrote: »

The Erudio thread is about different loans to the ones OP has. Erudio now owns pre-1998 mortgage-style student loans which are repayable over a fixed term and can be deferred if you earn less than the deferment threshold. HMRC has nothing to do with these loans.

The OP has post-98 income-contingent loans. If you are employed HMRC instruct your employer to deduct the statutory repayments directly from your salary if you earn over the repayment threshold. If you are not employed SLC will ask for evidence of how you are supporting yourself to be satisfied that you haven't got income coming in and should be repaying.

Yes but the proof required will be similar and as no-one seemed to be helping much I thought I'd point out a thread where they might well be able to.

TrustyOven

Puddylove wrote: »

I'm shocked and disappointed by the misogyny shown in this thread.

Badly done, gentlemen.

Why do you have to make this about sexes?

I wrote my post in a gender-neutral way. I didn't even realise OP was female until you pointed out misogyny....

Edit: In case it is ambigious, my "stay-at-home mother comment" comment was in reply to ViolaLass, not OP.

adindas

BrassicWoman wrote: »

That depends if you think the goal of education is purely financial, surely - I don't!

Well it depends on how you were funding your study ...
If you study with your own money, yes ....

If you study with taxpayers money, it is entirely a different story. The tax payers have the right to ask what do they get in return. It is to expect the loan is paid back to some degrees to be used by other new students. If too many students do not pay their loan back in full or partially the system will not be sustainable, the taxpayers will be required to pay more taxes...

Also by your goal and definition, finishing degree in A people should be able to study B, and then C to X. They could keep doing this using the taxpayers money until they get retired. They might sum up a few hundred grands of loan, as they will never pay it back after I get retired. Not to mention to keep getting maintenance loan ....

Fortunately the government realize that, for that reason they will not allow people to study same or lower level qualification using taxpayers money.

Puddylove wrote: »

I wonder how you would define a worthwhile occupation post graduation? Would it be on money earned? Taxes paid? Contribution to society?

Well as above, very simple. People who use student loan should pay back their loan even partially so it could be used by other new students. Otherwise, the system will not be sustainable. How many doctors, dentists, Engineers in many subjects in Engineering do not pay back their student loan. On the top of that the income tax they are paying from their high income ....

Puddylove

TrustyOven wrote: »

Why do you have to make this about sexes?

I wrote my post in a gender-neutral way. I didn't even realise OP was female until you pointed out misogyny....

Edit: In case it is ambigious, my "stay-at-home mother comment" comment was in reply to ViolaLass, not OP.

Quite simply, I don't believe you.
And the OP explained that the reason she has no income is because she is a 'stay at home mum' so perhaps further education might have helped your comprehension skills....:rotfl:

One could also argue that, by looking after the children, she is freeing her partner to earn and pay tax back into the system.

I'm so sick of men whining that they have to pay child support, or that the govt has to defer SLC repayments because a woman is looking after her (their) children. Perhaps men should step up a bit more, and share joint custody thus freeing the woman to work, and developing a better relationship with their offspring?

Gah.

Puddylove

adindas wrote: »

Well it depends on how you were funding your study ...
If you study with your own money, yes ....

If you study with taxpayers money, it is entirely a different story. The tax payers have the right to ask what do they get in return. It is to expect the loan is paid back to some degrees to be used by other new students. If too many students do not pay their loan back in full or partially the system will not be sustainable ...

Also by your goal and definition, finishing degree in A people should be able to study B, and then C to X. They could keep doing this using the taxpayers money until they get retired. They might sum up a few hundred grands of loan, as they will never pay it back after I get retired. Not to mention to keep getting maintenance loan ....

Fortunately the government realize that, for that reason they will not allow people to study same or lower level qualification using taxpayers money.



Well as above, very simple. People who use student loan should pay back their loan even partially so it could be used by other new students. Otherwise, the system will not be sustainable. How many doctors, dentists, Engineers in many subjects in Engineering do not pay back their student loan. On the top of that the income tax they are paying from their high income ....

Do you have any facts and figures to support your implication that 'STEM' subjects have lower SLC default rates? If so, do share.

I suspect that women doctors, dentists and engineers are just as likely to reproduce as those from 'humanities' or 'arts'.

(Incidentally, I have a STEM Masters, and it's the only one of my quals never to earn me a penny).

adindas

Puddylove wrote: »

Do you have any facts and figures to support your implication that 'STEM' subjects have lower SLC default rates? If so, do share.

I suspect that women doctors, dentists and engineers are just as likely to reproduce as those from 'humanities' or 'arts'.

(Incidentally, I have a STEM Masters, and it's the only one of my quals never to earn me a penny).

Doctors, dentists and many subjects in engineering are less likely to be unemployed, less likely to earn less than the threshold salary for student loan repayment ..

Read this BBC report:
My degree is next to worthless'; A majority of graduates in the UK are getting jobs where they do not need a degree, according to a report.
http://www.bbc.co.uk/news/education-33984756