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    • HelpwithRyanair
    • By HelpwithRyanair 6th Nov 18, 10:34 AM
    • 26 Posts
    • 3 Thanks
    HelpwithRyanair
    What I want to know is how and why so many students get away with paying their student loans?

    Eu students who came to the UK to study joked how they'd not have to pay their loans and a few of my friends moved to countries like the USA and Germany and now just ignore their student loans and have no intention of paying.

    Why doesn't the government enforce the loans and why is it so easy for people to simply ignore their loans?
    • sheramber
    • By sheramber 6th Nov 18, 6:13 PM
    • 5,662 Posts
    • 4,314 Thanks
    sheramber
    The Government sold off the loans to private companies so it is up to them to pursue payment.

    The Government have no interest in the repayments.
    • Cortiz
    • By Cortiz 6th Nov 18, 7:33 PM
    • 7 Posts
    • 0 Thanks
    Cortiz
    They are being enforced - I received an email collections agency notice last week, even though I'm under the income threshold. I have to fill out forms and send documentary evidence to prove it.
    • sheramber
    • By sheramber 7th Nov 18, 9:51 AM
    • 5,662 Posts
    • 4,314 Thanks
    sheramber
    If a person moves abroad and does not leave a forwarding address how do the Student Loan Company get in touch with them?

    That is how they avoid payment.
    • HelpwithRyanair
    • By HelpwithRyanair 7th Nov 18, 1:06 PM
    • 26 Posts
    • 3 Thanks
    HelpwithRyanair
    If a person moves abroad and does not leave a forwarding address how do the Student Loan Company get in touch with them?

    That is how they avoid payment.
    Originally posted by sheramber
    That seems far too easy...

    If they have UK assets can't they be seized?
    • jocrow
    • By jocrow 7th Nov 18, 1:32 PM
    • 8 Posts
    • 0 Thanks
    jocrow
    Hi there, not sure if you could help me but I have just received a letter from Dryden on behalf of Erudio with a claim to be settled in northampton County court. I have not received any deferment forms from Erudio and only one letter a while ago telling me they were taking over my loan. I asked for deferment forms and did not receive any. I am not sure how to proceed with my response to the claim. I cannot afford to pay back my loan, but I do not want to start paying off a claim as I am 50 in 2 years and my student loan will be discarded then...
    • Savvy_Sue
    • By Savvy_Sue 7th Nov 18, 2:13 PM
    • 39,363 Posts
    • 36,356 Thanks
    Savvy_Sue
    If a person moves abroad and does not leave a forwarding address how do the Student Loan Company get in touch with them?

    That is how they avoid payment.
    Originally posted by sheramber
    That seems far too easy...

    If they have UK assets can't they be seized?
    Originally posted by HelpwithRyanair
    When you apply for a student loan, you have to give a name and address of someone through whom you can be contacted. So if any of my sons default, I anticipate hearing direct from whoever's in charge of their loans at the time.

    So you're right, it's not that easy.
    Still knitting!
    Completed: 1 adult cardigan, 3 baby jumpers, 3 shawls, 1 sweat band, 3 pairs baby bootees,
    1 Wise Man Knitivity figure + 1 sheep, 2 pairs socks, 2 hats, 2 balaclavas for seamen, 1 balaclava for myself, multiple poppies, 3 peony flowers, 4 butterflies ...
    Current projects: ready to decrease / decreasing on all parts of the mohair cardigan pattern! but moved onto wrist warmers for friends at Christmas ...
    • HelpwithRyanair
    • By HelpwithRyanair 7th Nov 18, 2:21 PM
    • 26 Posts
    • 3 Thanks
    HelpwithRyanair
    When you apply for a student loan, you have to give a name and address of someone through whom you can be contacted. So if any of my sons default, I anticipate hearing direct from whoever's in charge of their loans at the time.

    So you're right, it's not that easy.
    Originally posted by Savvy_Sue
    That's terrible so you're responsible for his debt? :O
    • silvercar
    • By silvercar 7th Nov 18, 2:57 PM
    • 38,465 Posts
    • 161,291 Thanks
    silvercar
    That's terrible so you're responsible for his debt? :O
    Originally posted by HelpwithRyanair
    Contact not guarantor. Parents are not responsible for their offspring’s loans.
    • Savvy_Sue
    • By Savvy_Sue 7th Nov 18, 2:58 PM
    • 39,363 Posts
    • 36,356 Thanks
    Savvy_Sue
    That's terrible so you're responsible for his debt? :O
    Originally posted by HelpwithRyanair
    Well, I don't know that I'm responsible, personally I'd make sure that they were aware of any communications, and also make it clear that I was not picking up the debt, and that I would on request pass on THEIR details.

    THAT is my responsibility.

    As it happens, one of them is itinerant and rarely in the UK, but he does UK tax returns and makes SL payments as part of that.

    Another is about to leave the UK and hasn't had to pay anything until now (AFAIK), and again, I will make sure he knows that he needs to pass his details on to the loans company, because if he doesn't, I will! he doesn't have a job (yet) so probably won't have to pay until he does.

    And the other recently had to engage with SLC because the last tax year's worth of contributions - which had been deducted from his salary - had not found their way onto his annual statement. He's resolved that now, but if that's not a lesson to check your statements and keep in touch with SLC I'm not sure what is ...
    Still knitting!
    Completed: 1 adult cardigan, 3 baby jumpers, 3 shawls, 1 sweat band, 3 pairs baby bootees,
    1 Wise Man Knitivity figure + 1 sheep, 2 pairs socks, 2 hats, 2 balaclavas for seamen, 1 balaclava for myself, multiple poppies, 3 peony flowers, 4 butterflies ...
    Current projects: ready to decrease / decreasing on all parts of the mohair cardigan pattern! but moved onto wrist warmers for friends at Christmas ...
    • Sarah-Lou
    • By Sarah-Lou 20th Nov 18, 10:12 AM
    • 45 Posts
    • 27 Thanks
    Sarah-Lou
    Any advice greatly appreciated, my daughter worked as an Health care assistant at a hospital and went to uni 1 day a week and got a foundation degree in nursing. She now has a place on a 3 year paramedic course to begin next September. Is it right that she will only get funding for 2 of the 3 years as we have been told? Many thanks.
    • Spendless
    • By Spendless 20th Nov 18, 5:43 PM
    • 20,473 Posts
    • 34,133 Thanks
    Spendless
    Any advice greatly appreciated, my daughter worked as an Health care assistant at a hospital and went to uni 1 day a week and got a foundation degree in nursing. She now has a place on a 3 year paramedic course to begin next September. Is it right that she will only get funding for 2 of the 3 years as we have been told? Many thanks.
    Originally posted by Sarah-Lou
    I'm sure someone with a greater understanding than me will come along, but from what I gather (just from spending months lurking in the student room forum) you can have funding for 'length of degree plus a gift year'. In many cases this will amount to 4 years worth of student funding, so what was the length of the foundation degree? Where has the information come from about how much funding you'd get for the paramedic course?
    • Iloveoranges
    • By Iloveoranges 22nd Nov 18, 7:48 PM
    • 1 Posts
    • 0 Thanks
    Iloveoranges
    Hi Guys,

    I don't know how relevant this is here but here goes.

    I have a UK student loan, according to that loan you pay back 9% of everything you earn over 18000 GBP.

    I went backpacking short term that turned into long term, now i'm abroad and earning over that amount, totally forgot about mt Student Loan and then i got an email about 2.5 years later asking me to update my address, they were claiming they were sending stuff to my old old uni address, i go on the site and see that the address is correct (my mum's address). Then i think that maybe they just baited me into logging on to track my IP address to a foreign country.

    I figured that this was just me being paranoid but this morning, about 2 months later, i get an email saying they are still getting my address wrong and that mail keeps bouncing off the address, the wrong address. They also say that my account was accessed from New Zealand, and so i need to fill in an overseas form so they can start charging me. I have 72 hours to respond.

    I'm not trying to shirk my obligations, i genuinely forgot, but the main thing is that they seem to charge significantly more when abroad. So normally if i earn 20 thousand pounds, i'd pay 9% of 2 grand. Now i am overseas they are requesting a flat payment of 250 pounds a month which i just don't think i can actually afford considering i am barely over the threshold and it's a very expensive country. I'm asking what my best options are, these are my ideas.

    Totally ignore it

    use someone in UK or a proxy to log on and update my address and claim in live in the UK

    just pay it back and get over it

    What's the likelihood they will follow it up if i claim to be in the UK unemployed?

    Does anyone have any experience with SLC UK in regards to the above. Everyone i know had no problem with them at all with going abroad for a few years after uni.

    I just need until March when i'm leaving this job anyway, any help or similar experience to the above would be greatly appreciated, i don't think i could afford to live here if i'm losing a third of may pay every month.
    • Longjonsilver
    • By Longjonsilver 6th Dec 18, 5:00 PM
    • 2 Posts
    • 0 Thanks
    Longjonsilver
    Having spoken to various students at my place of work I believe there are serious flaws with the student loan system. It is one of the few areas I disagree with ML. I am starting a petition to try and get a debate to correct the situation. I have attached a link below My petition:
    Change student loan arrangements to reflect success
    The current arrangements encourage the least productive or most unsuccessful to never repay their debt and that then becomes an additional burden to the state. Successful students see their debt increase every year until they are earning 4 x the average salary This situation cannot be justified.
    The interest on the debt should be fixed at the no more than half a percent above the Bank of England rate when the loan is issued. Repayment should then be taken from all earnings/income (with no lower limit) at a rate that would pay the interest charges and reduce the outstanding balance. If students never work then the loan should be collected by a small reduction, 5%, in any benefits received.
    Last edited by Longjonsilver; 06-12-2018 at 5:10 PM.
    • silvercar
    • By silvercar 6th Dec 18, 5:53 PM
    • 38,465 Posts
    • 161,291 Thanks
    silvercar
    Hi Guys,

    I don't know how relevant this is here but here goes.

    I have a UK student loan, according to that loan you pay back 9% of everything you earn over 18000 GBP.

    I went backpacking short term that turned into long term, now i'm abroad and earning over that amount, totally forgot about mt Student Loan and then i got an email about 2.5 years later asking me to update my address, they were claiming they were sending stuff to my old old uni address, i go on the site and see that the address is correct (my mum's address). Then i think that maybe they just baited me into logging on to track my IP address to a foreign country.

    I figured that this was just me being paranoid but this morning, about 2 months later, i get an email saying they are still getting my address wrong and that mail keeps bouncing off the address, the wrong address. They also say that my account was accessed from New Zealand, and so i need to fill in an overseas form so they can start charging me. I have 72 hours to respond.

    I'm not trying to shirk my obligations, i genuinely forgot, but the main thing is that they seem to charge significantly more when abroad. So normally if i earn 20 thousand pounds, i'd pay 9% of 2 grand. Now i am overseas they are requesting a flat payment of 250 pounds a month which i just don't think i can actually afford considering i am barely over the threshold and it's a very expensive country. I'm asking what my best options are, these are my ideas.

    Totally ignore it

    use someone in UK or a proxy to log on and update my address and claim in live in the UK

    just pay it back and get over it

    What's the likelihood they will follow it up if i claim to be in the UK unemployed?

    Does anyone have any experience with SLC UK in regards to the above. Everyone i know had no problem with them at all with going abroad for a few years after uni.

    I just need until March when i'm leaving this job anyway, any help or similar experience to the above would be greatly appreciated, i don't think i could afford to live here if i'm losing a third of may pay every month.
    Originally posted by Iloveoranges
    Arrears aside, if you got in touch and provided details of your income, then the threshold to start paying the 9% would be determined by the cost of living in the country you are living in.

    Given that you are not in touch with the slc then they can't assess your income so are charging the flat rate allowed for that country.

    This situation has come about by your own making. You need to be in touch, declare your income, pay the correct amount for now and come to an arrangement for the arrears.

    The other option is to duck and dive for the next 25+ years.
    • pine77
    • By pine77 9th Dec 18, 5:38 PM
    • 138 Posts
    • 12 Thanks
    pine77
    Hello everyone,

    Not been working for the last 3 years and the student loans company are going insane contacting me. I took out the student loan in 2001. I sold my home 4 years ago (it had been rented out for a year before I sold it). I have been living off the money I made from selling my house since.

    The student loans company keeps sending me threatening letters telling me I have update how I am receiving an income. I am going to reply that I am living off savings to which they will demand 3 months of bank statements. - I am just living off the money I made selling my home - basically living off my savings.

    My question:

    Did me selling my house and living off the savings make me liable to
    give the student loans company any money from that sale?

    Cheers in advance!
    • silvercar
    • By silvercar 9th Dec 18, 6:47 PM
    • 38,465 Posts
    • 161,291 Thanks
    silvercar
    Did me selling my house and living off the savings make me liable to
    give the student loans company any money from that sale?
    No it doesn't. But it isn't unreasonable for them to ask for some proof on your source of income if you want them to accept that you shouldn't be making payments at the moment.
    • _shel
    • By _shel 14th Dec 18, 6:06 AM
    • 1,726 Posts
    • 3,133 Thanks
    _shel
    No it doesn't. But it isn't unreasonable for them to ask for some proof on your source of income if you want them to accept that you shouldn't be making payments at the moment.
    Originally posted by silvercar
    some more ideas?
    Originally posted by Ginalina
    What other ideas do you want?

    Student loan repayments only come from income. Sale of house is not income!

    Unless you get benefits where they can see your income as government share it you need to prove you don't have income to get a deferment.
    • tanitabellon
    • By tanitabellon 16th Dec 18, 11:05 PM
    • 6 Posts
    • 0 Thanks
    tanitabellon
    Get a student loan or self finance?
    I have just started a part time PGCE whilst working which is going to cost me £6000. I currently earn around £22,000. I am waiting to hear about my application for a student loan but now i'm wondering if a 0% interest credit card might be a better way to pay than paying back a student loan plus interest?
    • _shel
    • By _shel 17th Dec 18, 5:23 AM
    • 1,726 Posts
    • 3,133 Thanks
    _shel
    I have just started a part time PGCE whilst working which is going to cost me £6000. I currently earn around £22,000. I am waiting to hear about my application for a student loan but now i'm wondering if a 0% interest credit card might be a better way to pay than paying back a student loan plus interest?
    Originally posted by tanitabellon
    Big no. Will the interest free period be long enough to pay the loan and at what percentage of your income?

    Student loans are taken at low percentage and only if you earn enough. Earn less and nothing is taken no penalty.
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