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

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

Jake Butler

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

Andrew Turner

Hi we have twins likely to head to uni this september. Whilst, I will be lucky with having a high earnings, regrettably with property losings (no house) and 2 other children, being forced to top the maintenance grant up for 2 children at exactly the same time will likely be actually tough– 1 is ok- exist any mechanisms to take this into consideration on the maintenance evaluation? Many thanks

Jake Butler

Hi Andrew, you have exposed an issue that is severe the pupil finance system. When you yourself have one or more kid the modification for the home earnings is just ?1130 per year.

This implies they just take that much off your household earnings to take into account you having one or more youngster at uni. It is not sufficient though. The machine is broken but regrettably there’s small you can certainly do about any of it i am afraid.

Andrew Turner

Thanks for advising. We agree, the modification is apparently completely ineffective, regrettably the consequence meaning the cooking cooking pot of funds must be split between two, so that they will have considerably paid off financing.

Karen yates

I will be a mum. Once 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, I think this might be feasible but you will need certainly to communicate with pupil finance. I wish to offer my advice right right here and would generally suggest that you do not try this. Keep in mind that your son/daughter may never ever repay their full loan (unless they are a high receiving graduate). Which means that you might wind up money that is foregoing may never need to be repaid anyway. You would be more straightforward to conserve that cash you had been seeking to add and make use of it to simply help away in future (eg by having a deposit for the homely home).

Please explore this a tad bit more before generally making your choice and understand that education loan financial obligation is similar to hardly any other.

Noona fan

Hi, as a result of my circumstances, i must use with a paper application. At the time of at this time, I’ve determined to not make an application for maintenance loan nonetheless, let’s say I made a decision to utilize for maintenance online installment loans iowa loan once i have delivered down my application?

Jake Butler

Hi Noona, i am uncertain with this one. You are supposed by me would need to contact student finance to inquire of exactly what would take place for the reason that example. Many Thanks.

Ms S

Hi, I have one youngster at uni moving in to her last year and another beginning this present year. I am divorced or more till now my household earnings happens to be examined back at my income alone which was vaguely workable and I also have topped up my young child’s cost of living that has perhaps maybe not been effortless. I’ve since remarried (simply this past year) but I do not live with my partner in which he does not and has now never ever contributed to your home earnings at all nor should he. We have been independent. He does not donate to the young children either clearly. But i’ve been told i must even include his finances though we are now living in various areas of the British. I will be worried this may affect their possibility of an upkeep loan when they examine both our incomes do thy have appropriate directly to request this?

Jake Butler

Hi, because far you may have to talk to them and ask for mitigating circumstances as I know. They often enable pupils to show they are separate of these moms and dads in a way that is similar. I really believe you’d need certainly to show without question that there’s no money passed away between you and your spouse.

Having said you may be on the wrong side of the rulings here that I feel. Eg. Comparable to what sort of non married couple living together do not get to benefit from taxation breaks etc it may possibly be that the couple that is married viewed as a joint earnings within the eyes of pupil finance whether residing together or otherwise not i am afraid.

Bryan Sandford

On my application for pupil finance it asks if you are residing in the home or residing out of the house. Just exactly What do you really place in the event that you invest state 36 months at uni then 16 weeks in the home?

Jake Butler

Hi Bryan. That could be classed as residing out of the house while you’re perhaps maybe not living in the home while you are learning.


Hi My daughter is beginning uni in September 2018. Based on the caculator she shall be eligible for an upkeep grant of ?4193. Her accommodation will likely be ?5000 per year. Performs this imply that we have to pay the shortfall in accommodation plus all her living costs as her parents?

Jake Butler

Hi Sarah, thank you for getting into touch. The upkeep grant is not any much longer offered thus I’m presuming it’s an upkeep loan.

Fairly for the upkeep loan add up to scarcely also cover lease and our research indicates that nearly 75percent of students need to get a component time task or count on moms and dads economically throughout university.

Please be conscious that pupils in 2018 are certain to get somewhat a lot more than stated with this web page (as we continue to have the stats for 2017) even 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 don’t really state it) the us government “expects” parents to produce within the shortfall.

We have actually produced easy education loan calculator (you may use the 2017 stats) which informs you simply how much you are likely to add (demonstrably it’s optional though).

This info is hoped by me helps. Please inform me if you have any queries.

Marcella Taylor-Smith

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

Jake Butler

Hi Marcella, the time that is only are considered is whenever the attention is counted as profits. Considering the fact that this is therefore low it is not likely to own any influence. It is well worth noting that the maintenance grant no further exists for brand new students either.


Hello! I will be a very first 12 months going into second 12 months in 2018. We used my stepfather and mother as my sponsors for my upkeep loan, and so I will get the maximum. Amount but a current advertising implies that they are going to simply look at the 25,000. Can you really switch my sponsor to my father that is real when when it comes to loan and so I can certainly still obtain the maximum. Quantity?

Jake Butler

Hi Kayleigh, this might be a high-risk strategy as you will likely be asked by pupil finance to justify the alteration.

Miss E

I’m leaving my program but have previously gotten my upkeep loan with this term. Will student loan business ask because of this straight back?

Jake Butler

Hi Miss 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 have the proper to ask for almost any money straight right back that was overpaid to you personally. It really is most likely that the financing with this term would come under that for it back so they will most likely ask. Hope that helps.

Mrs s

My child possesses placement year in the usa included in her level, does she get any assistance with capital from pupil finance – please can somebody assist me

Jake Butler

Hi, this could rely on the college therefore the program. I will suggest conversing with the college about it.

Michael Sallows

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