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My nephew has ditched uni it is nevertheless getting their upkeep loan and investing it, surely this is certainly fraudulence? He does not appear to care. Please advise. I’m sure that is going to meet up with him

My nephew has ditched uni it is nevertheless getting their upkeep loan and investing it, surely this is certainly fraudulence? He does not appear to care. Please advise. I’m sure that is going to meet up with him

Jake Butler

Your nephew has to be careful as pupil finance can request a refund from the money.

Andrew Turner

Hi i have actually twins about to head to uni this september. Whilst, I will be fortunate with having a higher earnings, unfortunately with property losses (no house) and 2 other young ones, being forced to top within the upkeep grant for 2 children as well will probably be actually tough– 1 is ok- exist any mechanisms to simply simply take this into consideration to their upkeep evaluation? Many thanks

Jake Butler

Hi Andrew, you’ve exposed an issue that is severe the pupil finance system. The adjustment for the household income is only ?1130 a year if you have more than one child.

This implies they just take that much off your home earnings to take into account you having one or more youngster at uni. It is not sufficient though. The system is broken but unfortunately there is small you can certainly do about any of it I’m afraid.

Andrew Turner

Thanks for advising. I agree, the adjustment is apparently totally inadequate, regrettably the consequence meaning the pot of funds should be split between two, so they really will have notably paid down capital.

Karen yates

I am a mum. As soon as we make an application for a upkeep loan, can we borrow les than whatever they provide when I wish to add myself to prevent a financial obligation st the conclusion. Many Thanks

Jake Butler

Hi Karen, in my opinion it is feasible you shall need to communicate with pupil finance. I wish to offer my advice right right here and would generally suggest that that you don’t try this. Understand that your son/daughter may never pay off their complete loan (unless they are a higher receiving graduate). This means you might become money that is foregoing may never need become repaid anyhow. You would be far better to save that cash you had been seeking to contribute and employ it to assist call at future (eg by having a deposit for the household).

Please consider this a tad bit more before generally making the decision and understand that education loan financial obligation is much like no other.

Noona fan

Hi, as a result of my circumstances, i have to use with a paper application. At the time of now, i have determined to not make an application for maintenance loan but, let’s say I made the decision to use for maintenance loan once i have delivered down my application?

Jake Butler

Hi Noona, i am unsure with this one. I suppose you will have to contact pupil finance to inquire about what would take place for the reason that instance. Thanks.

Ms S

Hi, i’ve one youngster at uni moving in to her year that is final and beginning in 2010. I am divorced or over till now my household earnings happens to be examined back at my income alone which was vaguely workable and I also have actually topped up my young child’s cost of living which includes maybe not been simple. I’ve since remarried (simply just last year) but I do not live with my partner in which he doesn’t and contains never ever added to your home earnings after all nor should he. Our company is separate. He does not donate to the kids either clearly. But i’ve been told i need to consist of their finances also though we inhabit some other part of great britain. I will be worried this can effect on their possibility a maintenance loan when they check both our incomes do thy have right that is legal request this?

Jake Butler

Hi, because far as i am aware you may need to speak to them and ask for mitigating circumstances. They often allow pupils https://speedyloan.net/installment-loans-hi to show that they’re independent of the moms and dads in a comparable means. I believe you had need certainly to show without question that there surely is no money passed between both you and your partner.

Having stated you may be on the wrong side of the rulings here that I feel. Eg. Comparable to how a non hitched couple living together don’t get to make the most of income tax breaks etc it could be that the married few are regarded as a joint earnings when you look at the eyes of student finance whether living together or otherwise not i am afraid.

Bryan Sandford

On my application for pupil finance it asks if you should be residing in the home or residing out of the house. Just just What can you place in the event that you spend state 36 months at uni then 16 months in the home?

Jake Butler

Hi Bryan. That could be classed as living overseas while you’re maybe perhaps not living in the home if you are studying.


Hi My daughter is starting uni in September 2018. In line with the caculator she will be eligible for an upkeep grant of ?4193. Her accommodation may be ?5000 each year. Performs this imply that as her parents we need to spend the shortfall in accommodation plus all her residing costs?

Jake Butler

Hi Sarah, many thanks for getting into touch. The upkeep grant isn’t any much longer provided and so I’m presuming it is a maintenance loan.

Extremely common for the upkeep loan total hardly also protect lease and our research indicates that nearly 75percent of students have to get a component time job or depend on moms and dads economically throughout college.

Please be mindful that students in 2018 can get somewhat significantly more than stated about this web web page (even as we nevertheless have actually the stats for 2017) though it defintely won’t be by that much.

As your child it not getting the max loan it’s demonstrably as a result of your home earnings. Interestingly (despite the fact that they don’t really state it) the us government “expects” moms and dads to produce the shortfall up.

We have actually produced easy education loan calculator (you may use the 2017 stats) which lets you know just how much you are likely to add (clearly it is optional though).

I really hope this information helps. Please inform me if you’ve got any concerns.

Marcella Taylor-Smith

Hi my son is, beginning college 2018 sept, he’s around 8000.00 savings will this influence their entitlement for maintenance grant etc

Jake Butler

Hi Marcella, the time that is only are taken into account is whenever the attention is counted as earnings. Considering the fact that this is therefore low it is unlikely to own any impact. It really is worth noting that the upkeep grant not any longer exists for brand new pupils either.


Hello! I will be a year that is first into second 12 months in 2018. We utilized my mom and stepfather as my sponsors for my maintenance loan, therefore I will get the maximum. Amount but a current advertising ensures that they’re going to simply look at the 25,000. Can you really switch my sponsor to my genuine daddy whenever reapplying when it comes to loan and so I can nevertheless have the maximum. Quantity?

Jake Butler

Hi Kayleigh, this may be a high-risk tactic as you will probably be asked by pupil finance to justify the alteration.

Miss E

I will be making my program but have previously gotten my maintenance loan because of this term. Will education loan business ask because of this back?

Jake Butler

Hi skip E. You will have to repay the loan at the same terms as other grads (eg when you earn over a certain amount after leaving your course) if you drop out. But, the uni and pupil finance likewise have the right to ask for almost any money right back that was overpaid to you. It really is most likely that the financing with this term would come under that so that they will likely ask because of it right back. Hope that can help.

Mrs s

My daughter features a positioning 12 months in the usa included in her level, does she get any assistance with financing from pupil finance – please can somebody help me to

Jake Butler

Hi, this might rely on the college plus the program. I will suggest speaking with the college about it.

Michael Sallows

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