student loan-parent contribution-divorced-2 household-which income2 declare?

Sacredcat

Hi,

Our child will apply for a student loan next year.

Mum and dad are divorced. We have joint custody, so my household has the child half the time and ex has the child for the other half of the time. So our child has two residential addresses and either one could be used on the loan application.

One household has more income. The other has less and gets state Child Benefit.

If our daughter puts the dad's address which is lower income, she will receive a bigger loan, and smaller parental contribution.
If daughter puts mum's address, which is higher income, she gets a smaller loan and a bigger parental contribution.

Is there any rule about which address to put down on the application, the one with the bigger or smaller household income?

Thanks, grateful for any help.

Ed-1

Sacredcat wrote: »

Hi,

Our child will apply for a student loan next year.

Mum and dad are divorced. We have joint custody, so my household has the child half the time and ex has the child for the other half of the time. So our child has two residential addresses and either one could be used on the loan application.

One household has more income. The other has less and gets state Child Benefit.

If our daughter puts the dad's address which is lower income, she will receive a bigger loan, and smaller parental contribution.
If daughter puts mum's address, which is higher income, she gets a smaller loan and a bigger parental contribution.

Is there any rule about which address to put down on the application, the one with the bigger or smaller household income?

Thanks, grateful for any help.

No you can choose in this scenario (usually they'd expect them to put down the parent they have most contact with but obviously it's equal here). As long as you provide evidence of the parents' divorce, e.g. decree absolute, they'll accept the parent you put down (bear in mind that any partner of the parent you put down will also be included in the assessment).

Sacredcat

Thanks for replying that's v helpful

missbiggles1

Who claims child benefit for her?

Sacredcat

The household with lower income claims child benefit.

silvercar

Sacredcat wrote: »

The household with lower income claims child benefit.

Child benefit will stop (for this child) when he/ she starts uni.

FutureGirl

I would put down the household where the childs bills / letters go to. IE if they have a mobile phone, or bank accounts at.