Maintenance Loan for 25yr old - questions

On-the-coast

We have a “child” living at home who is thinking of going to university for first time this autumn. 

These are our questions, we’ve read the guidance but it seems very ambiguous by what is referred to as household income. 

1) at 25 - even though living at home is the parent’s income disregarded?

1.1) he’ll be 25 on September 6th… does the academic year technically start 1 sept - even though most courses start in October?  Will this make a difference for one or both terms?

2) he is single. I read that household income still applies, but I assume that must be referring to a partner?

2.1) is anything he’s earned up to start of course (or 23-24 tax year) disregarded? As he’ll only be part time working during uni. 

3) does it make any difference whether he’s at home (& paying us rent) or living away on his own. 

The reason I’m asking is that if he was 24 we know we’d be expected to pay most of that maintenance loan. (Or he might have to from his savings)

silvercar

UCAS says, “you’re 25 or over on the first day of the academic year you’re applying for student finance”. (source: https://www.ucas.com/money-and-student-life/money/student-finance/student-finance-england/finance-independent-students).

Gov.uk says, “each academic year will run from 1 September to 31 August” (Source: https://www.gov.uk/guidance/understanding-academic-years).

So it looks like your son will be a few days too young to count as independent.

It will be your earnings that count, his income is disregarded as they are assessing how much support the parents in the household could give. Living at home will mean the maximum loan is lower as it is deemed cheaper to live at home than to live away from home.

On-the-coast

Thanks
I was coming to the same conclusion.
at least The subsequent 2-3 years would (I assume) see him treated as an independent adult.