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How much are parents supposed to give their children when they go to university?



  • Annie1234567
    Annie1234567 Forumite Posts: 1 Newbie
    Does anyone know how it works for lone parents? I have just discovered that maintenance will stop when my daughter goes to university. Is there any obligation for her father to contribute? And (nightmare scenario) will they take his income into account when calculating loans? If they do, and he doesn't pay, that would mean she couldn't go to university.
  • dtl
    dtl Forumite Posts: 16
    Part of the Furniture Combo Breaker
    There are a MASSIVE number of problems with the parental contribution system.

    First, £1,130 is BEFORE TAX, so if you've crept into the higher rate tax band, that means those dependent siblings are meant to be supported on £655 a year!!! Even basic rate tax payers are meant to support those dependent children with less than £760 per year!!!

    Second, by looking at income BEFORE tax it ignores the massive difference in tax paid by different families. A family with only one income (i.e. 40% of all families with children) can easily find themselves paying £4000 more tax without being anywhere near rich. Fundamentally this is because the system hasn't kept up to date with the income tax changes since 2008 which drove the personal allowance up massively and dragged the higher rate threshold lower (and no, it DIDN'T help the poor, it helped couples earning up to £80K between them).

    Third, the level of parental contribution is SO large, it will actually drag many families below one of the most widely used (both by the government and academics) definitions of poverty (i.e. after tax income of less that 60% of the median for a family of the same make up).

    Fourth, if you child happens to be talented in music or dance, the problem gets even worse because the same nonsense is used in calculating the parental contribution to the fees for those specialist schools.
  • alexhassan
    alexhassan Forumite Posts: 9
    Ninth Anniversary Combo Breaker First Post
    Interesting at the shape. You could say it's modelled on a progressive tax. To be fair you should have kept going with income bands to show it isn't progressive and falls off again.
  • A_Lert
    A_Lert Forumite Posts: 609
    500 Posts Third Anniversary Name Dropper
    The article also doesn't mention that student finance isn't assessed on your parents income but on "household income". Like a previous poster mentioned, this affects families that have split up, and single parents that enter relationships - the partner's income will be counted against the student loan, even though that partner is not the student's mother/father, and may also be paying 12% of their gross income in child maintenance for their own child who is at university!
  • Lynne_Sharp
    Lynne_Sharp Forumite Posts: 1 Newbie
    Does anyone know if there is any tax relief on parental contributions?
  • Does anyone know if there is any tax relief on parental contributions?

    there isn't tax relief on parental contributions
  • silvercar
    silvercar Forumite, Ambassador Posts: 45,931
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    This thread is over 3 years old, that someone has resurrected.

    The current thread based on the most recent article can be found here:
    I'm a Forum Ambassador on The Coronavirus Boards as well as the housing, mortgages and student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected] (it's not part of my role to deal with this). Any views are mine and not the official line of
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