My nephew has ditched uni it is nevertheless getting his upkeep spending and loan it, undoubtedly it is fraudulence? He does not appear to care. Please advise. I’m sure that is going to catch up with him

My nephew has ditched uni it is nevertheless getting his upkeep spending and loan it, undoubtedly it is fraudulence? He does not appear to care. Please advise. I’m sure that is going to catch up with him

Jake Butler

Your nephew has to be careful as pupil finance can require a reimbursement from the cash.

Andrew Turner

Hi we have twins about to head to uni this september. Whilst, I will be lucky with having a top income, regrettably with home losings (no household) and 2 other young ones, being forced to top the maintenance grant up for 2 young ones as well is likely to be actually tough– 1 is ok- is there any mechanisms to simply take this into consideration on the upkeep assessment? Many many thanks

Jake Butler

Hi Andrew, you have exposed a severe problem with 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 take that much off your home earnings to account fully for you having one or more youngster at uni. It is not sufficient though. The machine is broken but unfortuitously there is small you are able to do about this i am afraid.

Andrew Turner

Many Many Thanks for advising. We agree, the modification is apparently completely inadequate, unfortuitously the consequence meaning the cooking cooking pot of funds should be split between two, so they really will have considerably paid off money.

Karen yates

I will be a mum. We borrow les than what they offer as I want to contribute myself to avoid a debt st the end when we apply for a maintenance loan, can. Many Thanks

Jake Butler

Hi Karen, i really believe that is possible however you will need to keep in touch with student finance. I’d like to provide my advice right here and would generally suggest that that you don’t do this. Keep in mind that your son/daughter may never pay off their complete loan (unless they may be a higher receiving graduate). This means you’ll find yourself foregoing cash that may do not have to be reimbursed anyhow. You would certainly be simpler to conserve that cash you had been seeking to add and make use of it to simply help call at future (eg with a deposit for the homely home).

Please consider this a bit more before generally making your choice and keep in mind that education loan financial obligation is similar to no other.

Noona fan

Hi, because of my circumstances, i must use by way of a paper application. At the time of at this time, i have determined not to ever submit an application for upkeep loan nonetheless, what if I made a decision to use for upkeep loan once i have delivered down my application?

Jake Butler

Hi Noona, i am unsure about this one. I guess you would need to contact pupil finance to inquire about exactly what would take place for the reason that instance. Many Thanks.

Ms S

Hi, i’ve one youngster at uni moving in to her last 12 months and another beginning in 2010. I’m divorced or over till now my home income is examined on my earnings alone which was vaguely manageable and I also have actually topped up my kid’s cost of living which includes maybe not been effortless. I have since remarried (simply this past year) but I do not live with my spouse in which he doesn’t and contains never ever added towards the home income after all nor should he. We have been separate. He does not subscribe to the kiddies either clearly. But i have already been told i need to add their finances even though we reside in various areas of great britain. I will be worried this can effect on their prospect of an upkeep loan when they check both our incomes do thy have a legal directly to request this?

Jake Butler

Hi, as far you may have to talk to them and ask for mitigating circumstances as I know. They often allow students to show they are separate of the moms and dads in a way that is similar. I really believe you had need certainly to show without question that there surely is no money passed between both you and your spouse.

Having stated that I feel maybe you are in the incorrect part associated with rulings right here. Eg. Comparable to what sort of non married couple living together do not get to benefit from income tax breaks etc it might be that the couple that is married viewed as a joint income when you look at the eyes of pupil finance whether residing together or perhaps not i am afraid.

Bryan Sandford

On my application for pupil finance it asks if you should be living in the home or residing out of the house. Exactly What do you really place then 16 weeks at home if you spend say 36 weeks at uni?

Jake Butler

Hi Bryan. That might be classed as residing overseas while you’re maybe not residing in the home as long as you’re learning.


Hi My daughter is beginning uni in September 2018. Based on the caculator she shall qualify a maintenance grant of ?4193. Her accommodation are going to be ?5000 each year. Performs this imply that as her parents we must spend the shortfall in accommodation plus all her residing costs?

Jake Butler

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

Extremely common for the maintenance loan add up to hardly also protect lease and our research indicates that nearly 75percent of pupils have to get a component time job or count on parents economically throughout college.

Please be conscious that pupils in 2018 can get slightly a lot more than stated about this 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 receiving the maximum loan it is clearly as a result of your home income. Interestingly (despite the fact that they do not state it) the us government “expects” moms and dads to produce the shortfall up.

We have actually made a easy education loan calculator (you may use the 2017 stats) which lets you know exactly how much you will add (demonstrably it really is optional though).

I am hoping this information assists. Please inform me if any questions are had by you.

Marcella Taylor-Smith

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

Jake Butler

Hi Marcella, the only time savings are taken into consideration is whenever the attention is counted as profits. Considering that this is therefore low it really is not likely to own any influence. 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 2nd 12 months in 2018. I utilized my stepfather and mother as my sponsors for my upkeep loan, thus I could possibly get the maximum. Quantity however a present advertising implies that they’re going to simply look at the 25,000. Are you able to switch my sponsor to my father that is real when when it comes to loan so I can certainly still have the maximum. Quantity?

Jake Butler

Hi Kayleigh, this might be a dangerous strategy as you will likely be expected by pupil finance to justify the change.

Skip E

I will be making my program but have received my maintenance loan because of this term. Will education loan business ask because of this straight straight 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. Nonetheless, the uni and pupil finance likewise have the ability to ask for just about any money back that was overpaid for your requirements. It is most most likely that the money because of this term would are categorized as that for it back so they will most likely ask. Hope that can help.

Mrs s

My daughter includes a positioning 12 months in the us as an element of her level, does she get any assistance with financing from student finance – please can somebody assist me personally

Jake Butler

Hi, this could easily rely on the college in addition to program. I will suggest speaking with the college about it.

Michael Sallows


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