Paying for 25 year old child

Red-Squirrel_2

Tabbytabitha wrote: »

I read it as being for the couple - I doubt that many people earning £20k would describe themselves as high earners, which explains the rather strange discussion.

I agree, I also think it’s odd to talk about net income as that’s not how these things are usually worked out.

My net income is low compared to my gross due to various deductions, mostly my choice, a number of things can affect the difference in the figures.

Spendless

I did wonder if the OP had confused net and gross, hence asking earlier if it's a typo.


Even if I didn't work at all, our son would still get the min loan and our household would have a net income into it as just over £30K. This is because DH has benefits in kind, company car, fuel and BUPA that add to his salary in terms of assessing how much maintenance loan our son is entitled to.

sheramber

If you only discovered recently that a 25 year old was treated independently, presumably, up until then , you were expecting to support your child.

Did you discuss the lack of finance with your child?

He/she could have taken a year out to earn some money for 4 th year.

Will any of your younger children want to go to university? Have you thought about that?

silvercar

Can you point out where in this government website it explains that students will have their loan amount reduced due to parental income AND the parents are expected to subsidise the student to at least the amount that is deducted from the loan given.
https://www.gov.uk/student-finance
I've looked through it and can't see it anywhere but as you are all-knowing perhaps you can find it for me?

The fact that the student loan is partly means tested is everywhere. That is why parents are asked to supply income details.

So knowing that students with low income parents will get a higher loan is a fairly obvious signal that the parents income is expected to make up the difference - why else would the loan be means tested by parental income??

happyandcontented

foolofbeans wrote: »

Which was the whole point of my first post!
We have had to subsidise eldest child for the past three years. Now in their final year I was under the impression that they would be classed as an independent student as they would be 25 when their course starts. On application it turns out that student finance require the student to be 25 on the first day of term but they define the first day as 1st September (even though NO uni starts that early). So yes, we knew we had to subsidise child but thought this final year would be different and never expected to have to contribute to a 25 year old

Can you point out where in this government website it explains that students will have their loan amount reduced due to parental income AND the parents are expected to subsidise the student to at least the amount that is deducted from the loan given.
https://www.gov.uk/student-finance
I've looked through it and can't see it anywhere but as you are all-knowing perhaps you can find it for me?

Obviously, they don't specify that, but it is clear that is the case unless you want to disadvantage your child or absolutely cannot afford to do so.

As for being 25, whatever the circumstances that lead to the age differential between the normal student graduating age and your daughters, that is down to the student and family to cope with not the taxpayer. Surely, you took that into account? You start later, you finish later.

annandale

It is very clear on all websites that I’ve looked at that the student gets a reduced income depending on what their parents earn and that a student under 25 is not classed as independent

maman

foolofbeans wrote: »

Never let a lack of facts get in the way of a judgement on others!

I think that's the problem. You gave us a few facts and, in your absence, the discussion continued. If someone posts that they have a good income and can't find £20 promised to their child, I'm not surprised that you get adverse comments.

If you didn't know that the student has to be 25 by September 1st then how did you expect your child to know? From the limited facts you provided, it sounds like she was living within her means to pay for the festivals and holidays.

You've obviously been caught out by the nominal start date (which follows the nominal end of school year on 31st August) . It's still my opinion that you as the parent should try to cover it as that's what you promised. If you can't then you'll have to explain to her why you can't.

Tabbytabitha

maman wrote: »

I think that's the problem. You gave us a few facts and, in your absence, the discussion continued. If someone posts that they have a good income and can't find £20 promised to their child, I'm not surprised that you get adverse comments.

If you didn't know that the student has to be 25 by September 1st then how did you expect your child to know? From the limited facts you provided, it sounds like she was living within her means to pay for the festivals and holidays.

You've obviously been caught out by the nominal start date (which follows the nominal end of school year on 31st August) . It's still my opinion that you as the parent should try to cover it as that's what you promised. If you can't then you'll have to explain to her why you can't.

The OP has known about this for nearly 3 months after asking on MSE in June - I'm surprised she's still going on about it.

Spendless

silvercar wrote: »

The fact that the student loan is partly means tested is everywhere. That is why parents are asked to supply income details.

So knowing that students with low income parents will get a higher loan is a fairly obvious signal that the parents income is expected to make up the difference - why else would the loan be means tested by parental income??

I think the thing is not everyone realises that the min loan isn't always enough to cover the accommodation costs.

I recall less than a year ago my son on discovering he would receive the min asking 'how can I go?' That's when I told him it was a conversation I'd have with his Dad but my suggestion was we pay his rent and maybe his travel costs. As it happens where he's chosen is within walking distance to most places so it's just accommodation.

BucksLady

foolofbeans wrote: »

But frankly I really begrudge having to subsidise a 25 year old. I feel like we have assisted a lot already and it has impacted on the things we can afford for our other children and I was hoping we were done with it

[purplesignup][/purplesignup]

If this is how you genuinely feel, then there is nothing anyone can say that will change matters. Maybe you should be honest with your child and explain how you actually do feel