Paying for 25 year old child

peachyprice

maman wrote: »

Maybe they aren't good examples but I could imagine people finding ways to cheat the system if outgoings were considered.


I remember many years ago needing a barrister. I remember my solicitor looking incredulous that I didn't have anything on credit like a car or any furniture or any mail order catalogues. So I had to pay the full fees as I didn't qualify for legal aid.

People will always cheat the system.

How about those where, under current arrangements, both parents work but one gives up their job so they can get full funding, or the divorced parent being supported handsomely by their ex who chooses to work part time.

There will always be those willing to cheat the system, but you can't penalise the majority for the actions of a minority.

pickledonionspaceraider

peachyprice wrote: »

The vast majority do, if they want to.

And the vast majority of students who rent after their first year will go into a house/flat share with a group of students which enables them to keep their rent around the same level, if not cheaper.

In my city, Halls are only available for first years - pay around £100 a week for basic room but does include all utility bills except internet


2nd year, moving into a house is a massive shock. As not only do you have rent, there is gas, electric, water, insurance, internet.. it is a lot for young people navigating first time private renting, to deal with

peachyprice

annandale wrote: »

I live near Glasgow and I can assure you that there are not places in the halls of residence for every student who needs one. Mike dailly who is a solicitor with the govan law centre posted on twitter recently that some Glasgow landlords are charging astronomical rents to students and that rents should be capped.

And not all halls in London cost 150 a week. Far from it. It’s more expensive to live in London. Obviously that’s why there is a premium. The cost of living is higher.

I would assume the cost of travel is higher in London as well. Even for students. In my area it’s either 350 or 440 for the academic year.

Are you seriously suggesting that students are killing them selves because they are going to university and they are sitting worrying that family members are going without?

No one forces parents to make contributions. Some parents don’t. Some students work 2 and 3 jobs to keep their heads above water.

The cost of living is lower in Scotland than in London. By far. Scottish students don’t pay tuition fees.

My brother took out the maximum student loan. I was working full time when he was at university. I helped him out financially as did my mum. And my gran.

There will be families who have relatives who will be happy to give something extra. Even if it’s only to pay a bill or two. And my mum was a single parent who didn’t earn much money.

Not everyone is going off to uni worrying about their family making sacrifices. Not everyone comes from a family that has several younger siblings. They might have older working siblings who are happy to help them out if they need a hand.

And in my case and my brothers if we had had a dad who actually contributed to the family household in any way shape or form it would have been easier on my mum. Because there would have been two wages coming into the home in the first place.

Some student flats include bills. Others don’t. What people have to pay out will vary dramatically.

I lived at home and travelled into uni. Not everyone needs to experience living away from home to get their degree.

First 3 I came across

UCL - Plenty of rooms sub £150
https://www.ucl.ac.uk/prospective-students/accommodation/documents/fees-1819.pdf

LSE - ditto
http://www.lse.ac.uk/student-life/accommodation/assets/documents/table-of-accommodation-fees-season-b.pdf

Royal Holloway
https://www.royalholloway.ac.uk/media/4547/ug-hall-fees-bands-18-19.pdf

You would also be wrong about the cost of transport. Buses are £1.50 per journey, if you need to take 2 buses within an hour it's still £1.50. Some London unis, such as Kingston run their own free bus service. And 30% off those fares if you buy a weekly travel card.

As for this contradiction, what can I say?

Are you seriously suggesting that students are killing them selves because they are going to university and they are sitting worrying that family members are going without?

No one forces parents to make contributions. Some parents don’t. Some students work 2 and 3 jobs to keep their heads above water

And where on earth did I say everyone was going off to uni worry about their family making sacrifices? Oh, I didn't.

peachyprice

pickledonionspaceraider wrote: »

In my city, Halls are only available for first years - pay around £100 a week for basic room but does include all utility bills except internet


2nd year, moving into a house is a massive shock. As not only do you have rent, there is gas, electric, water, insurance, internet.. it is a lot for young people navigating first time private renting, to deal with

A lot of London unis do have 2nd and 3rd year accommodation, but yes, outside London there is a leap. It is a lot for them to deal with, on top of trying to get an education.

annandale

I've lost someone to suicide. I know what it is like to be in the aftermath of it and picking up the pieces when someone can't go on. I would never trivialise it. But people have been making sacrifices to get their kids to uni for generations. My mum and uncle were the first people from my family to go to uni and only because they got a full grant.

My mum actually got married when she was 18 and had me before she was 20. She was still at university while she had me. Both of my parents were students at that point and neither came from a wealthy family. My dads dad was a janitor and his mum was a cleaner.

Yes there are pressures on students now that are possibly different than they were back in the day. One of my mates brothers went to uni. There were 3 kids in the family and they did not have much spare cash at all. No financial support from the dad either.

I personally think things have obviously changed re young kids and what they do with their leisure time. When I was younger I can recall being out with friends almost every night, doing activities that cost very little. Now people seem to have kids that are at after school clubs every night of the week or as near as, whether that is because its safer that way I don't know.

But it is what it is. If someone is being sent off to uni worrying themselves sick that their mum and dad and siblings are going without to let them go, maybe in certain families it would be better that they didn't go, or went later on in life.

A girl on my degree course got additional funding from the hardship fund at uni because both her parents were unemployed.

When I first read the OP's post I thought we were talking about a huge sum of money.

Are people going to end up seriously unwell because a brother or sister cannot go to an after school club? If it is going to cause serious financial hardship to a family to put a family member through university, the best thing would be that they deferred.

Not all of my friends from school went to uni. 3 went straight into working with banks or insurance companies and one did her degree in her 30s when her kids were a bit older. There are always ways to get a degree if you can't manage it in your late teens or early 20s assuming you are in employment and can afford the fees.

peachyprice

annandale wrote: »

I've lost someone to suicide. I know what it is like to be in the aftermath of it and picking up the pieces when someone can't go on. I would never trivialise it. But people have been making sacrifices to get their kids to uni for generations. My mum and uncle were the first people from my family to go to uni and only because they got a full grant.

My mum actually got married when she was 18 and had me before she was 20. She was still at university while she had me. Both of my parents were students at that point and neither came from a wealthy family. My dads dad was a janitor and his mum was a cleaner.

Yes there are pressures on students now that are possibly different than they were back in the day. One of my mates brothers went to uni. There were 3 kids in the family and they did not have much spare cash at all. No financial support from the dad either.

I personally think things have obviously changed re young kids and what they do with their leisure time. When I was younger I can recall being out with friends almost every night, doing activities that cost very little. Now people seem to have kids that are at after school clubs every night of the week or as near as, whether that is because its safer that way I don't know.

But it is what it is. If someone is being sent off to uni worrying themselves sick that their mum and dad and siblings are going without to let them go, maybe in certain families it would be better that they didn't go, or went later on in life.

A girl on my degree course got additional funding from the hardship fund at uni because both her parents were unemployed.

When I first read the OP's post I thought we were talking about a huge sum of money.

Are people going to end up seriously unwell because a brother or sister cannot go to an after school club? If it is going to cause serious financial hardship to a family to put a family member through university, the best thing would be that they deferred.

Not all of my friends from school went to uni. 3 went straight into working with banks or insurance companies and one did her degree in her 30s when her kids were a bit older. There are always ways to get a degree if you can't manage it in your late teens or early 20s assuming you are in employment and can afford the fees.

Yes, it is what it is. Yes more students are suffering mental health problems due to finances.

It could be a lot better by ensuring every student, in their first year at least, has enough student loan to cover their rent and basic food costs then means test for any extra on top.

We're forever hearing how young adults these days are to dependent on their parents, how back in the day at 18 they were working full-time, raising a family, down t' pit etc. but here we are forcing 18 yo's about to embark on their first independent steps to be dependent on their families. It's not the way to nurture a strong independent future workforce.

annandale

A student who has a family income over 62k a year will still be eligible for some maintenance loan.

It was almost 4k last year if a student was living away from home and not in London.

So you could have a family who have a student who gets a 4k maintenance loan and their parents earn 100k a year

If someone is from a family who earns up to 25k a year they would have got 8430 in a loan

It is still very much people who are from poorer families who are disadvantaged when it comes to studying at college or university.

Someone from a wealthier family would have got 4502 less a year in a loan than someone whose family were unemployed or had less than 25k a year.

Poverty isn't having a high income which the OP made clear at the outset they do.

peachyprice

annandale wrote: »

A student who has a family income over 62k a year will still be eligible for some maintenance loan.

It was almost 4k last year if a student was living away from home and not in London.

So you could have a family who have a student who gets a 4k maintenance loan and their parents earn 100k a year

If someone is from a family who earns up to 25k a year they would have got 8430 in a loan

It is still very much people who are from poorer families who are disadvantaged when it comes to studying at college or university.

Someone from a wealthier family would have got 4502 less a year in a loan than someone whose family were unemployed or had less than 25k a year.

Poverty isn't having a high income which the OP made clear at the outset they do.

Yes, exactly, a student from a higher income family will not be able to afford all of their rent or any food, a student from a lower income family will be able to afford their rent, food and have some left over.

Why is the student from a higher income family being treated like a child and the student from a lower income family being treated like an independent adult?

A student from a lower income can afford to live an independent life with a roof over their head, food in their tummy and money left over for actual living? How is that a disadvantage?

annandale

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I guess whenever I heard people talking about loans and grants I just assumed that they would be sufficient to cover the costs of tuition AND living. The government does not publicise that they expect parents to contribute when their income means the student receives a lesser loan. I believe Martin Lewis has been asking them to point out but they don't. I don't think I'm alone in not realising that we would be expected to subsidise an adult child.

This is absolutely not the case. A two minute google search of maintenance loans or student finance makes it absolutely clear that loans are assessed on the family finances and that the loans reduce the more the family earns.

Tabbytabitha

Spendless wrote: »

Out of interest, how is being independent for 3 years defined? Is it working in a f-time job for 3 years and after you are 18? I've just been reading thru the OP's posts on here and this is her DDs 4th year at Uni, so wondering if she didn't meet the criteria or just missed it?

You have to have been working or claiming benefits in your own name to be eligible - doing an educational course doesn't count towards ut.