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    • _shel
    • By _shel 19th May 19, 2:53 PM
    • 2,372 Posts
    • 4,376 Thanks
    _shel
    Hi,
    Iím going to be living at home for university in September when I go back into third year, my parents struggle financially and I am required to make contributions for the house even when at uni. This means that next year they are going to be charging me the same rent as I paid to landlords when I lived out in first and second year. I pay for everything myself like I would if I was living out and living at home will probably cost more than living out. with all the contributions. I know that you get more student finance for living out, would I be able to apply for the higher rate as if I was living out?
    Originally posted by studentnc1
    No, you'd be classed as a home student.
    • Sbacrylicart
    • By Sbacrylicart 21st May 19, 9:58 AM
    • 2 Posts
    • 0 Thanks
    Sbacrylicart
    Hi there,
    This is a little unrelated, but I wondered if anyone can help?
    My daughter attends a privately run 16+ academy, doing a three year musical theatre course.
    They are not Trinity registered yet, and won't be for a good few years, as a they are quite new.
    My daughter was going to be getting a PCDL loan via the co-op, but this has now gone. Is there any other private funding that students themselves can apply for, rather than myself having to get a bank loan?
    Thank you
    • BournePower
    • By BournePower 21st May 19, 7:20 PM
    • 1 Posts
    • 1 Thanks
    BournePower
    Hi,
    At uni I completed a NHS degree and was in the fortunate position to have my tuition fees covered by NHS, only leaving me with a loan repayment of £6500 for maintenance loan. With all the talk about not paying off loans ASAP, Iím guessing for myself I would need to pay off it all as quick as I can, as Iím likely to be paying way over the odds if I wait for the interest to build over next 30 yrs. I work in the NHS.
    Ta!
    • Irishsacko
    • By Irishsacko 22nd May 19, 12:58 PM
    • 1 Posts
    • 0 Thanks
    Irishsacko
    Hi,
    I am new to this forum, so I am hoping I am In the right place!

    Student loans, I took out loans a few years ago now, 2006 then in 2015, with the agreement that if I earned over such and such an amount (cant remember both amounts now) that I started paying back... that's the agreement between me and Student Finance, when ever I have worked and earned enough it was attached, which to be honest I've never earned enough, but I have always informed them, plus they told me they were attached to the tax office anyway, fair enough - what annoys me is when the contact me every year asking if I'm working, I say no, they say how are you living, I say I live with my husband/family then they ask for his financial details - I say no! - seriously if the loan was an agreement between me and them, then why ask for my husband's private details (plus I wasn't with him when some were taken) surely this is a breach of some sort? - I have no qualms about paying it back if I was earning enough, but to try and obtain bank details of my husband etc, to me is wrong - I'm just wondering why they do it if the agreement has nothing to do with my husband..
    • silvercar
    • By silvercar 22nd May 19, 3:02 PM
    • 39,484 Posts
    • 163,575 Thanks
    silvercar
    Hi,
    At uni I completed a NHS degree and was in the fortunate position to have my tuition fees covered by NHS, only leaving me with a loan repayment of £6500 for maintenance loan. With all the talk about not paying off loans ASAP, Iím guessing for myself I would need to pay off it all as quick as I can, as Iím likely to be paying way over the odds if I wait for the interest to build over next 30 yrs. I work in the NHS.
    Ta!
    Originally posted by BournePower
    I agree with your logic, though who knows what the future holds.

    Repayment threshold is earnings over £25k, so estimate your future salary and do some calculations.
    • silvercar
    • By silvercar 22nd May 19, 3:03 PM
    • 39,484 Posts
    • 163,575 Thanks
    silvercar
    Hi,
    I am new to this forum, so I am hoping I am In the right place!

    Student loans, I took out loans a few years ago now, 2006 then in 2015, with the agreement that if I earned over such and such an amount (cant remember both amounts now) that I started paying back... that's the agreement between me and Student Finance, when ever I have worked and earned enough it was attached, which to be honest I've never earned enough, but I have always informed them, plus they told me they were attached to the tax office anyway, fair enough - what annoys me is when the contact me every year asking if I'm working, I say no, they say how are you living, I say I live with my husband/family then they ask for his financial details - I say no! - seriously if the loan was an agreement between me and them, then why ask for my husband's private details (plus I wasn't with him when some were taken) surely this is a breach of some sort? - I have no qualms about paying it back if I was earning enough, but to try and obtain bank details of my husband etc, to me is wrong - I'm just wondering why they do it if the agreement has nothing to do with my husband..
    Originally posted by Irishsacko
    If you are claiming not to be earning then they require evidence of how you can afford to live. Seems reasonable to me.
    • KerryS
    • By KerryS 23rd May 19, 12:11 PM
    • 1 Posts
    • 0 Thanks
    KerryS
    Hi, wonder if you can help. I have been separated since 2015, is there any benefit in getting a divorce before I apply for my daughter's grants. She will not receive any support from her Dad towards her uni education which is why I ask.
    • silvercar
    • By silvercar 23rd May 19, 5:09 PM
    • 39,484 Posts
    • 163,575 Thanks
    silvercar
    Hi, wonder if you can help. I have been separated since 2015, is there any benefit in getting a divorce before I apply for my daughter's grants. She will not receive any support from her Dad towards her uni education which is why I ask.
    Originally posted by KerryS
    It's based on your household income, so if Dad has moved out his income is not considered.
    • meer53
    • By meer53 23rd May 19, 6:07 PM
    • 9,551 Posts
    • 13,980 Thanks
    meer53
    Hi, wonder if you can help. I have been separated since 2015, is there any benefit in getting a divorce before I apply for my daughter's grants. She will not receive any support from her Dad towards her uni education which is why I ask.
    Originally posted by KerryS
    I'm separated (i have a decree Nisi but not Decree Absolute) and i had to provide Student Loans Comapny with proof of this when my daughter applied for a Mainenance Loan last year.
    • ireland1234
    • By ireland1234 25th May 19, 1:56 PM
    • 2 Posts
    • 0 Thanks
    ireland1234
    Hi, i am so glad to see your post offering advice!! I have a couple of questions....

    1. I work overseas and have been sent an assessment form etc to return and will be issued with a repayment schedule from july19-june 20. My wages will double in Oct (as going fulltime then) but by that stage i will have been issued with repayment amount based on my current wages. Will they just issue new repayment amount then or backdate to Oct?

    2. I will loose a major amout through deductions so there is a BIG difference in my gross salary and what I actually take home in net amount but the repayments are based on the gross. Is there anyway to argue that I am paying an unproportional amount from my net salary in student loan payments?
    • sheramber
    • By sheramber 25th May 19, 2:18 PM
    • 7,083 Posts
    • 5,339 Thanks
    sheramber
    http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,6678653&_dad=portal&_schema=PORTAL

    your income changes while overseas

    Normally your scheduled repayment amount is fixed for a 12 month period. However, you can apply for a reassessment of your scheduled repayment amount at any time if your income level changes.

    You can also apply for reassessment if you are moving between countries with different threshold bands

    You should contact us on +44 141 243 3660 to advise if you need your repayment amount reassessed.
    • ireland1234
    • By ireland1234 25th May 19, 6:11 PM
    • 2 Posts
    • 0 Thanks
    ireland1234
    Thanks for your reply. The thing is, i dont wast to have income reassessed mid-year as my repayments will be lot more. I am hoping that my reduced wages will give me a low repayment amount to last the whole year even though my wages increase in oct. They wont know i am on a higher wage untill i put my assessment in again for the following year (june 2020). When i forward those details, they will see my wages have increased. Will they request higher payment for that coming year only or will they backdate it to when my wages actually increased?

    Also, is it possible to pay a lesser amount based on net rather than gross? Has this ever happened or do they demand gross salary related payments even though it is not something i can afford? Will be around £175 pmth
    • InDebted2U
    • By InDebted2U 1st Jun 19, 7:11 PM
    • 348 Posts
    • 237 Thanks
    InDebted2U
    Hey, i have alot of Knowledge of how the student loans procedure works. If anyone needs any help, i can advise as much general info.
    Obviously i cant divulge into specifics due to Data Protection and the fact that i'd get fired, but anything i can help with, just let me know.
    Originally posted by slcworker
    Can you tell me if I can get a student loan for an undergraduate degree if I already have a basic degree (no honours)? I've been hunting everywhere for a definitive answer to this.
    2019 Targets
    run 500 miles (21.5/500)
    lose 50 lbs (0/50)
    clear all debts...


    • meer53
    • By meer53 1st Jun 19, 8:53 PM
    • 9,551 Posts
    • 13,980 Thanks
    meer53
    Can you tell me if I can get a student loan for an undergraduate degree if I already have a basic degree (no honours)? I've been hunting everywhere for a definitive answer to this.
    Originally posted by InDebted2U
    As Slcworker hasn't been on the forum since 2006 you'd be better off calling SLC.
    • Savvy_Sue
    • By Savvy_Sue 1st Jun 19, 9:04 PM
    • 40,104 Posts
    • 37,473 Thanks
    Savvy_Sue
    Can you tell me if I can get a student loan for an undergraduate degree if I already have a basic degree (no honours)? I've been hunting everywhere for a definitive answer to this.
    Originally posted by InDebted2U
    I am really not sure how definitive you need it to be but ... gov.uk says:

    Youíve studied before
    Youíll usually only get student finance if youíre doing your first higher education qualification - even if your previous course was self-funded. You may still be eligible for limited funding in certain circumstances.


    So, you already have an HE qualification.

    If you already have a degree
    You may get limited funding if:

    youíre Ďtopping upí a higher education qualification, for example youíve finished an HNC, HND or Foundation Degree and now want to do an Honours degree
    you hold an Honours degree or higher level of qualification and start a part-time Honours degree in engineering, technology or computer science (or a joint Honours in 2 of these subjects)
    You may also get limited funding if youíre starting a healthcare course on or after 1 August 2017.


    Now, there's a few 'usuallys' in there, so you may be thinking 'that means I might' ... but ...

    Was your first degree a 'foundation' degree - ie there was no chance to take it at honours level? If yes, then you might get another year's funding. So if you only need to do a further topup year, happy days. Probably.

    BUT ... if you need to study for a further 3 - 4 years to get a completely new degree, you MIGHT get one year's funding for the final year, but highly unlikely for the earlier years.

    The only place to get a definitive answer is from Student Finance.
    Still knitting!
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    • kateld
    • By kateld 4th Jun 19, 6:06 PM
    • 1 Posts
    • 0 Thanks
    kateld
    New partner
    I have 2 kids at uni, single mum with income around £35k. I have recently met a new partner and we are talking about living together in the next few months. Could you please help me to know whether his income will be counted from day 1 when he moves in? it would mean we couldn't afford to live together which seems so harsh! I cannot expect him to pay for kids he only met on their twenties!! many thanks
    • silvercar
    • By silvercar 4th Jun 19, 10:53 PM
    • 39,484 Posts
    • 163,575 Thanks
    silvercar
    I have 2 kids at uni, single mum with income around £35k. I have recently met a new partner and we are talking about living together in the next few months. Could you please help me to know whether his income will be counted from day 1 when he moves in? it would mean we couldn't afford to live together which seems so harsh! I cannot expect him to pay for kids he only met on their twenties!! many thanks
    Originally posted by kateld
    Yes it would. I'm not sure if it would count for the academic year 2019-2020, but it would definitely be counted for the following year.

    Martin Lewis addressed this on his programme on student loans. Even though loans are assessed on previous years income and this could even be before you and he were together, household income includes everyone in the student's household.
    • _shel
    • By _shel 5th Jun 19, 3:59 AM
    • 2,372 Posts
    • 4,376 Thanks
    _shel
    I have 2 kids at uni, single mum with income around £35k. I have recently met a new partner and we are talking about living together in the next few months. Could you please help me to know whether his income will be counted from day 1 when he moves in? it would mean we couldn't afford to live together which seems so harsh! I cannot expect him to pay for kids he only met on their twenties!! many thanks
    Originally posted by kateld
    He isn't expected to fund your kids, just have his income taken into account to decide their funding from government. How you make up that funding if it's not enough Is up to you. You could pay alone or tell them to get part time jobs.
    • Michael Warton
    • By Michael Warton 7th Jun 19, 1:43 PM
    • 4 Posts
    • 102 Thanks
    Michael Warton
    Help finding resources
    Hi,

    I dropped out of college to do an apprenticeship few years ago. I completed the apprenticeship but am now considering going to uni. obviously I don't have the support from college to help me through the process. Can you recommend any reliable resources for me to read to figure it out, thanks.
    (I know this is a student loans thread but resources for anything to do with getting into university (with a level 3 apprenticeship) would be really helpful.
    • _shel
    • By _shel 7th Jun 19, 1:46 PM
    • 2,372 Posts
    • 4,376 Thanks
    _shel
    https://www.ucas.com/what-are-my-options/thinking-about-uni

    https://www.thecompleteuniversityguide.co.uk/preparing-to-go
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