Parental Responsibility

ViolaLass

venison wrote: »

IIRC students under 25 who are estranged from their parent(s) are treated as independent and e.g parental income is not counted when applying for student loans and in this case grants, as above she will only ever make a repayment when she is earning above 21k a year and you will never be responsible for her student debt. I'm baffled as to why they might owe her money as she appears never to have earn enough to make a payment.

Parents will never be responsible for her debt anyway, regardless of whether she was independent when she applied or not.

[Deleted User]

ViolaLass wrote: »

Parents will never be responsible for her debt anyway, regardless of whether she was independent when she applied or not.

Which was exactly the point I made, perhaps I muddied the waters by talking about independent students?

Kenk

Yes I am baffled as well as to how they owe her money, which is why I think she has not contacted them. Unfortunately she lies about a lot of things, which is why I am worried.

Thomas_The_Tank_Top

Kenk wrote: »

She has never repaid any of her loan and inspite of getting a 2.1 in Forensic Chemistry has always maintained that she never wants to work and indeed her current job is just enough for her to keep claiming benefits....

You should get her to join MSE. There are a few boards she would fit right in!

nyermen

Sorry it's a sad story

For what it's worth, if you have an outstanding student loan, a partner (even through marriage) isn't liable, so there's no way you as a parent would ever be.

TBagpuss

As others have said, you are not, and will not be, liable.

When she applied she would have been asked to provide contact details for 2 people who the SLC could contact to locate her , it sounds as though that is what happened. Your daughter would have been the one who originally gave them your name and address, for that specific purpose, so it isn't really reasonable of her to be annoyed that you did so.

And if she is below the point where she would have to start repaying then she isn't disadvantaged by them having her address.

It's possible that, if she hasn't kept them updated with her contact details that they have been trying to get money from her. I am not sure whether it is still the same now, but when I had a student loan they sent a form out every year which you had to complete to confirm that you were still eligible to defer. If that's still the case, and she didn't update them, they may have pursued her for money and she may think they out to pay her back...

But either way it's not your responsibility.

superbigal36

I'm not sure if the not earning enough do not have to pay them back argument stands if you have dodged all contact for years ?

mobileron

its not really a loan,its a grant. Its not counted as credit, check Experian.
And about 80% of people never pay it back,due to not earning above the threshold etc.
You are not liable.

National_Debtline

Hi Kenk


According to the dates in your original post, your daughter would have been at university in the mid-2000s and so any student loan would fall under the current system, whereby repayments are recovered automatically from PAYE salary above a certain threshold (currently £17,775 per annum) which she has presumably never reached. From SLC's point of view, recouping no payments over this time may have prompted them to enquire as to whether she is perhaps self-employed and earning enough to be capable of repayments after all. While she's on a low income, there won't be much they can do regardless of whether they locate and/or contact her.


Several posters above has made this very clear already but I may as well reiterate it - you are no more liable than I am.


Dennis
@natdebtline