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student loan refund due?
hello all, after reading martins blog on claiming student loan refunds i thought i would be due a refund myself, but SLC said no. what do you think? so i have a plan 1 loan outstanding. this was a claim for the tax year 22/23. this meant the repayment threshold was £20195. my salary for that year was £30150 paid monthly,…
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Scottish graduate endowment fee
Hi, This fee of £2000 was introduced for those graduating from Scottish uni's in 2005. It was cancelled a year or so later meaning those that started uni in 2001/2002 have paid a very unfair £2000 fee. It has never sat well with me and I was wondering if there was ever any news on this such as if people were able to claim…
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Pay off plan 5 loan ASAP?
Hi, I've searched the forum but can't find this situation discussed. My son is wanting to go to uni, but the huge debt is putting him off. I have explained how they work, and it's like a tax blah blah... We are both trying to work out if it is indeed much better to pay off ASAP with the new plan 5 loans being 40years? He…
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Student loan overseas repayment
Hi, unique situation that I feel SLC on the phone may have given me the wrong information about. I have a plan 2 loan from an undergrad degree graduating in 2016. This means I should pay 9% of what I earn over the repayment threshold of approx. £27k a year. I believe this is an annual threshold, not a monthly one, but…
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Does such a thing exist?!?
Hello, I overheard someone talking about a scheme whereby a student at uni can finish off the final year of a degree in an apprenticeship scheme, where they are learning on the job as they are completing their final year. Big companies like GlaxoSmithKline were mentioned so they can mould the students to role within their…
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Missing student loan repayment statements
Hi all, As many have, I'm trying to establish whether I'm able to request a refund for student loan payments deducted when I was below the threshold. I've logged onto the SLC website and I have no statements/correspondence between 2004 and 2016! I am absolutely certain I made repayments during this period and I remember…
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Student Loan - should I pay it off?
Hi there, I think I know the answer to this but looking for some reassurance! I graduated in 2009 and so have a 'Plan 1' student loan, with a 6.25% interest rate as I type. I have a small child and have not returned to work after maternity leave and so am not earning, or paying off my student loan through PAYE for at least…
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Almost paid off SL but can't get hold of SLC!
Hi, I've almost paid off my Plan 1 SL. I moved from PAYE to DD about 6 months ago, and the balance is now less than the monthly DD. Following the advice on the SLC website I've tried to phone them but, as seems to be the case right now, I can't get through and they just disconnect me. I don't want to overpay and have to…
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Thesis servicing loans (Nov 1996 & Nov 1997) and Erudio Student loans (Nov 1998)
Hello Has anyone received notification from Thesis of their loans being written off now they are over 25 years old? I am currently in deferment until December 2023 but suspect the Erudio loan is the only one I still currently have and this would be cancelled in November? Thanks in advance for help.
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British NHS worker returning to UK. Does my daughter really have to pay international student fees?
We are moving back to the UK from New Zealand after 6 years away (due to family illness). We will both be working for the NHS as a physio and a nurse. My daughter is 17 and it looks like she's going to have to be an international student. She wants to go to Bath University but we can't afford the 27,000/year fees. Has…
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FdSc /foundation degree funding
Hi, My son is wanting to do a foundation degree then a top up year to BSc. The cost of the FdSc is 7200, then the top up would be 9k max. He plans to work alongside and pay fees off in installments without a student loan. Why wouldn't everyone choose this route which is significantly cheaper way of getting a degree? Am I…
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Student loan repayment query
Hi, hoping this is the right place!! I have recently contacted student finance about any possible refunds due to over payments I have made. Both my plan 1 and plan 2 have been paid in full since October 22 and October 23. From reviewing my accounts and repayments they have found in the tax year 13/14 my income was below…
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Erudio NHS backpay problem
Hi all, newbie here. I have had the displeasure of having to deal with Erudio for years since my old style loan was sold to them. I’ve had various issues (telling me account was in arrears when it wasn’t, missed paperwork not sent to me etc and have always successfully fought them after long winded battles) I have deferred…
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Student loan - household income increase
Hi, my son is in his final year at Uni and is receiving his maintenance loan. Our household income may increase by around 10-15% due to a potential increase in my earnings. Do we have to declare this? Would it mean he has to pay back some of this year’s maintenance loan somehow? I can see lots of information about what to…
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Student Loan Cancellation - Moving The Goal Posts?
Hello, When I was given me my student loan between 1999 and 2002, I was told it was going to be wiped out after 25 years. The current guidance is... "If you started in 2005/06 or earlier, your student loan plan 1 will be written off when you reach 65 years old." Does anyone know when this was changed, because that seems…
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Student loan
I have a student loan from 1996 and The Student Loan company is now Erudio student loans. I will soon be in a position where I will not be able to defer anymore. Can they force me to pay even though this loan is 26 years old?
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Student loan - living abroad with UK rental income
Hello I live abroad and it's time to fill in the overseas assessment. This is usually fine, but from this year, I have a UK rental income. I have a few questions: 1. I spent a lot of money on this property this year and will definitely make a huge loss - for this year anyway. Does this have any effect on my "total income"…
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Disabled student assessments
Can someone point me in the direction of a forum that discusses disabled student grants, etc? Thank you.
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Payment received in error
Hi My daughter has temporarily suspended her Uni studies due to health and informed student finance that this was the case. She was told the updates needed to come from the University, so she spoke to the Uni to advise them of this. In sept she received a text message to say she would be receiving the money so contacted…
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Threshold Payment
I contacted SLC and in the year 2022-2023 I earned £41 over the threshold on a plan 2 payment. (I earned 27336, the threshold is 27295) I have payed over £300 in payments for this year but they are refusing to refund part of it as I still earned above the threshold Is it correct I should only pay 9% of what I earn above…