My nephew has ditched uni it is still getting their upkeep spending and loan it, clearly this can be fraud? He does not 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 request a refund regarding the money.

Andrew Turner

Hi i have actually twins intending to head to uni this september. Whilst, I will be lucky with having a top income, regrettably with home losings (no home) and 2 other children, needing to top within the maintenance grant for 2 children at precisely the same time is likely to be really tough– 1 is ok- is there any mechanisms to just simply take this under consideration to their upkeep evaluation? Many thanks

Jake Butler

Hi Andrew, you have exposed an issue that is severe the student 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 just take that much off your home earnings to take into account you having several youngster at uni. It isn’t sufficient though. The device is broken but unfortunately there is small you are able to do about this I’m afraid.

Andrew Turner

Many Many Thanks for advising. We agree, the adjustment is apparently completely inadequate, regrettably the consequence meaning the cooking pot of funds must be split between two, so they really shall have notably paid down money.

Karen yates

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

Jake Butler

Hi Karen, I think this will be possible however you shall need certainly to talk to student finance. I’d like to provide my advice right here and would generally suggest that you do not try this. Understand that your son/daughter may never ever pay off their full loan (unless they are a higher earning graduate). Which means you may possibly wind up foregoing cash that may never need to be reimbursed anyhow. You’d be far better to save that money you had been seeking to add and employ it to greatly help down in future (eg with a deposit for a household).

Please consider this a tad bit more before generally making your choice and keep in mind that education loan financial obligation is similar to hardly any 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 never to make an application for upkeep loan nonetheless, imagine if 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 exactly exactly what would happen for the reason that example. Many Thanks.

Ms S

Hi, i’ve one young child at uni moving in to her last 12 months and another beginning this present year. I am divorced or over till now my home earnings happens to be evaluated to my earnings alone that has been vaguely workable and I also have actually topped up my kid’s cost of living that has maybe not been effortless. I’ve since remarried (simply this past year) but I do not live with my spouse in which he does not and has now never ever contributed towards the 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 even include his finances though we are now living in some other part of the UK. I will be worried this may affect their prospect of a maintenance loan if they have a look at both our incomes do thy have a right that is legal request this?

Jake Butler

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

Having stated that I feel you may well be from the wrong side regarding the rulings here. Eg. Comparable to what sort of non married couple living together aren’t getting to benefit from income tax breaks etc it may possibly be that a married few are regarded as a joint earnings within the eyes of pupil finance whether living together or otherwise not i am afraid.

Bryan Sandford

To my application for student finance it asks if you should be residing in the home or residing out of the house. Exactly What do you realy put in the event online installment loans ky that you spend state 36 days at uni then 16 months in the home?

Jake Butler

Hi Bryan. That might be classed as residing abroad while you’re perhaps not residing in the home if you are studying.


Hi My daughter is beginning uni in 2018 september. In accordance with the caculator she will be eligible for an upkeep grant of ?4193. Her accommodation should 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 back in touch. The upkeep grant is not any longer provided and so I’m presuming it is a upkeep loan.

Extremely common for the upkeep loan add up to scarcely even cover lease and our research reports have shown that almost 75percent of pupils have to get a component time work or count on parents economically throughout college.

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

As your child it not receiving the maximum loan it is clearly as a result of your home income. Interestingly (and even though they do not state it) the us government “expects” moms and dads to help 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 are likely to contribute (clearly it really is optional though).

I really hope this information assists. Please inform me if any questions are had by you.

Marcella Taylor-Smith

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

Jake Butler

Hi Marcella, the only time cost savings are taken into consideration is whenever the attention is counted as profits. Considering that this is therefore low it’s not likely to own any influence. It’s worth noting that the maintenance grant no further exists for brand new pupils either.


Hello! I will be a very first 12 months going into 2nd 12 months in 2018. We utilized my mom and stepfather as my sponsors for my upkeep loan, therefore I could possibly get the maximum. Amount but a present advertising ensures that they’re going to just review the 25,000. Can you really switch my sponsor to my genuine daddy whenever reapplying when it comes to loan therefore I can certainly still have the max. Quantity?

Jake Butler

Hi Kayleigh, this may be a dangerous strategy as you will probably be expected by pupil finance to justify the alteration.

Skip E

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

Jake Butler

Hi skip E. If you drop out you’re going to have to repay the mortgage in the exact same terms as other grads (eg once you earn over a specific amount after making your course). But, the uni and pupil finance likewise have the ability to inquire of for just about any money right right back that was overpaid for you. It is most likely that the capital because of this term would come under that for it back so they will most likely ask. Hope that can help.

Mrs s

My daughter possesses placement year in the us as an element of her level, does she get any assistance with financing from student finance – please can somebody help me to

Jake Butler

Hi, this will probably depend on the college in addition to program. I will suggest speaking with the university about it.

Michael Sallows