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

Jake Butler

Your nephew needs to be careful as student 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, unfortuitously with home losings (no household) and 2 other children, needing to top the maintenance grant up for just two young ones in addition is likely to be actually tough– 1 is ok- is there any mechanisms to just take this under consideration on the maintenance evaluation? Many many thanks

Jake Butler

Hi Andrew, you have 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.

What this means is they simply take that much off your household income to account fully for you having one or more youngster at uni. It isn’t sufficient though. The device is broken but regrettably there’s small you can certainly do about this i am afraid.

Andrew Turner

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

Karen yates

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

Jake Butler

Hi Karen, in my opinion this will be feasible you shall need to keep in touch with student finance. I would really like to provide my advice right here and would generally suggest that you do not try this. Keep in mind that your son/daughter may never ever pay off their complete loan (unless they are a higher receiving graduate). Which means you may possibly wind up money that is foregoing may do not have become reimbursed anyway. You would be far better to save that money you had been seeking to add and make use of it to greatly help away in future (eg by having a deposit for the homely home).

Please explore this a tad bit more before generally making your decision and understand that education loan debt is similar to no other.

Noona fan

Hi, as a result of my circumstances, i have to use by way of a paper application. At the time of at this time, i have determined never to make an application for upkeep loan nonetheless, let’s say I made the decision to try to get 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 of just what would take place for the reason that example. Many Thanks.

Ms S

Hi, i’ve one youngster at uni moving in to her last 12 months and another beginning this year. I am divorced or more till now my home earnings happens to be examined on my earnings alone which was vaguely workable and I have actually topped up my young child’s bills that has perhaps not been simple. We have since remarried (simply just last year) but I do not live with my partner and he does not and it has never ever added towards the home earnings at all nor should he. We have been separate. He does not play a role in the kiddies either clearly. But i’ve been told i must even include his finances though we are now living in various areas of great britain. I will be worried this can effect on their prospect of an upkeep loan when they view both our incomes do thy have appropriate straight to request this?

Jake Butler

Hi, as far as i am aware you may need to communicate with them and ask for mitigating circumstances. They often enable pupils to show that they are independent of the moms and dads in a way that is similar. I really believe you would need to show without question that there’s no money passed away 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 what sort of non married couple living together do not get to benefit from taxation breaks etc it may possibly be that a married few are regarded as a joint income within the eyes of pupil finance whether residing together or otherwise not i am afraid.

Bryan Sandford

Back at my application for pupil finance it asks if you should be residing at home or living out of the house. Exactly just What can you put then 16 weeks at home if you spend say 36 weeks at uni?

Jake Butler

Hi Bryan. That could be classed as residing abroad as you’re perhaps perhaps not residing in the home while you are learning.


Hi My daughter is beginning uni in 2018 september. According to the caculator she will be eligible for a upkeep grant of ?4193. Her accommodation are going to be ?5000 each 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, many thanks for getting back in touch. The upkeep grant isn’t any much longer provided and so I’m presuming it is an upkeep loan.

Extremely common for the upkeep loan amount to hardly cover rent and even our research reports have shown that nearly 75% of pupils have to get a part time task or count on moms and dads financially throughout college.

Please be mindful that pupils in 2018 can get somewhat more than stated with this web page (even as we nevertheless have the stats for 2017) though it will not be by that much.

As your child it not receiving the maximum loan it’s demonstrably due to your home earnings. Interestingly (despite the fact that they do not state it) the us government “expects” moms and dads in order to make within the shortfall.

We have really produced student that is simple calculator (you may use the 2017 stats) which informs you just how much you will probably add (clearly it is optional though).

This info is hoped by me assists. Please inform me if any questions are had by you.

Marcella Taylor-Smith

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

Jake Butler

Hi Marcella, the only time cost savings are considered occurs when the attention is counted as profits. Considering that this is therefore low it’s 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. We utilized my stepfather and mother as my sponsors for my maintenance loan, and so I will get the maximum. Quantity however a present advertising means that they’re going to simply look at the 25,000. Are you able to switch my sponsor to my genuine father whenever reapplying for the loan and so I can certainly still have the maximum. Quantity?

Jake Butler

Hi Kayleigh, this might be a tactic that is risky you will probably be expected by pupil finance to justify the change.

Skip E

I’m making my program but have received my upkeep loan because of this term. Will education loan business ask because of this back?

Jake Butler

Hi skip E. If you drop down you’ll have to repay the mortgage during the exact same terms as other grads (eg once you earn over a specific amount after making your program). But, the uni and pupil finance also provide the proper to ask for just about any money back that was overpaid for you. It is most likely that the financing with this term would are categorized as that so that they will likely ask because of it right back. Hope that can help.

Mrs s

My daughter includes a positioning in America as part of her degree, does she get any help with funding from student finance – please can someone help me year

Jake Butler

Hi, this might rely on the university as well as the program. I recommend conversing with the college about any of it.

Michael Sallows


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