Student loan repayment

Redkirby

I have a question on what is classed as income for repayment. I have loans starting 1996 with the last one in 1999.
My income from my job does not meet the threshold to repay. I am a single parent and receive UC, child maintenance and child benefit. All those combined take me over by approx £30 a month. I don’t believe child maintenance should be included, this is due to a divorce and is based on my husbands wage…. It is not earned…. Nor guaranteed. It is not classed as income by UC not by the majority or mortgage companies.
SLC have told me it will be considered and with the repayments quoted it will leave me in some financial difficulties. 

I would be better off not claiming child benefit but this seems to make no sense. 

I can’t find anywhere that tells me what they do and don’t class as income and why…
Any help or advice would be appreciated…

silvercar

Their guidance says that “ Universal Credit (where this relates to amounts of limited capability for work or work related activity)” is excluded. Does that help?

Otherwise you are relying on whether Erudio follow the original terms and conditions of the loan when it was part of slc. The rules state they can’t change the t&c’s. Whether they or you can prove what was in or out of the original rules is debatable, particularly as some benefits may not have existed at the time.

Redkirby

Thanks for replying. Looking at the T&Cs they take everything down to interest from bank accounts as income. When I spoke to them they said they take no outgoings into consideration. 

It’s really sad…. I get UC as I don’t earn enough and work as many hours as I can whilst looking after my daughter who I sole parent. Yes I get maintenance for my daughter but if I was still married I wouldn’t and would not meet the threshold.
I do think it is very unfair towards single parents, the majority of which did not chose their current situation…