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when you went to university

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by SHANDYHOLMES

did your parents give you any money at all towards it?

SHANDYHOLMES | 14 May '08, 08:35 | Send note | Report this | Reply

Nope


yes, because my loan was 700 quid per year

and my rent 300 per month. I worked part time, but 40 quid/week also only goes so far.


because you get two choices:

1. non means assessed (they give you the minimum)

2. means assessed (they checked my parents income and gave me the minimum)


so youve got well off parents then

you dont need a loan!


that's bullshit.

just because your parents are well off, doesn't mean they'll help you. this is one problem with the system... some kids get fucked over because they are denied decent loans, and have shit 'rich' parents that refuse to help.


experience?


It's actually bollocks anyway.

'Rich' meant something ludicrous like earning over £18K a year between them. I got a full grant but I knew many who didn't and their parents were fucked. The system also didn't take account of how many kids you had from what I remember.


Exactly!

All "middle class" means is "job holding working class" according to the government's myopic criteria. Plus it does nothing to assess the amount of help a student may receive from other quarters. One lucky so and so I knew had low income parents so received the full loan, whilst at the same time having a rich gran who paid for her accommodation. She of course ended up not having to work throughout uni whilst still having leftover cash for travelling in the summer.

Naturally, I also knew somebody else with rich parents who completely refused to help him despite the fact he received the minimum loan. I truly don't understand how anybody could act in such a callous manner towards somebody they purported to love.


none whatsoever actually.

my mum was safe as fuck and paid my way through uni.


Cause his parents were rich?

That was my reason for my low loan monies, which should include a frugal factor - as my parents, whilst earning more than the threshold, didn't shower me in gold.


it's not necessarily rich,

as their limits for loans aren't actually that high.

And there are major financial difficulties with the folks right now which are going to result in problems with me living next year, so they really, REALLY aren't rich


i hate the way that if your parents earn over a certain amount.

the government assumes they can afford to pay for you to live.


^ this.

For my undergrad they did alright but for the post-grad i am well and truly fucked; sister, gran and other half are probably all going to have to chip in and i won't have time to work in PT employment due to the course, either


i'm lucky

in that my mum lives alone and she doesn't earn a lot. i get about £800 per term more than other people. HOWEVER, i know that my mum will never be able to afford to give me any money. i will have to work PT when i go back, and also be careful, but some people are in my situation and with £2400 less loan a year.


apply for a scholarship..

and every grant imaginable. there's actually loads available and most people don't realise.


^ this


tried, tried, tried.

Not entitled to grants or bursaries, just a "larger loan"


oh, and travel expenses for when i'm out on

my placements in schools


does anyone know the brackets for different loan ammounts?

I have googled but I'm so tired I can't erally read.


Nah.

I've not been to uni yet, but I've never had any money off my parents.

I've had a job since I was thirteen and I've paid £200 a month digs money to my mum since I left school at sixteen.

When I go to uni next year I'll do the same as I have the past two years at college, live off my loan and part time job.


digs money at 16??!?!?

That's a bit shoite; my parents wouldn't have expected me to be living independently at 16. If i went home now i'd give them cash, though


She's a single parent on minimum wage,

she really needs the money to pay the bills and all that, so it was only fair.

And I don't mind it, I hate spoiled people and it's made me not one of them.. Lol.


yeah my mum helped.

my dad's given me nought since i was about 10 though, so i think it was pity money.


I've never been able to afford to go to uni.

I started working at 15 and i'm starting to regret it now. Sadly my mum was never in the position to be able to support the household on just her income.


^ this is rubbish for students outside Scotland.

Not having student fees to pay back is SUCH a financial relief; the loan's bad enough!


couldn't she have gotten any help from somewhere?

could you have gone to uni but lived at home?


I'm not sure.

I do live near good colleges and uni's, but i'm not really sure how things worked at the time regards loans/grants etc. If i could've somehow managed to bring £200 a month home to give her, have had roughly the same to keep me watered and in clothes and managed to stick to my studies then i might've been able to do it. In hindsight i've missed a great opportunity, but shit happens. To be honest, though, most people i know that went to uni end up doing unskilled admin work anyway.


yeah, a lot of people go these days

because they think they should, not that it would help their career. i have no idea what i want to do after, and with a german degree... what is there? i don't want to teach, i don't want to live in germany or travel too much.
i should have done medicine.


Can you not still go now?

I can afford to pay my mum £200 a month and keep myself in clothes, fed, drunk and watching bands. I have a part time job earning £4.70 an hour and have a student loan/bursary (I get the maximum because my mum earns £15,000 a year and my dad doesn't live with me or contribute financially).

So it's definatly possible! I don't know what age you are, but there are students at my college in their forties applying to uni this year and I've heard of older, so it's never too late!


£4.70 an hour?

Isn't that a teensy bit illegal?


Apparently not.

The minimum wage for 18-21 year old is £4.65.

:(

I need a new job.


As others have said, surely you could still go now?

You'd probably receive the full loan too, which would make things at least marginally easier. Also, if you've lived away from home for a certain amount of time then they don't patronise you by making you fill in all these questions about your family's income, too.


yeah, they pay my rent

which is nice. I somehow get less than the minimum loan per year though (minimum is £810, i get £570) but i couldn't be bothered contesting it so now i recieve £50 a month. Pretty shit. I work two days a week which helps me survive, but just not i'm languishing at the end of my overdraft and waiting for my mum to get an insurance payout after which i get 2 grand, woohoo!


no they don't

i get most of it covered by my student loan. i've been really stupid and spent all my money though, so borrowing off my parents at the moment.


My parents paid for everything

which makes me feel a bit bad that the degree was such a waste of time, but it was basically their idea in the first place.


Yeah

I'm constantly morally conflicted about it.

I'm lucky enough to come from a very stable family with parents who are most definitely towards the upper middle class. They worked their way up there from really crushing poverty (my dad lived in a two-bedroom council house in Wolverhampton with his parents and five siblings, and dropped out of school, but now is some high-earning accountant) and as such they have this whole obsession with making sure that my brother and I have as many opportunities as possible, because they didn't have any.

So when I brought home the student loan/grant form at the end of school, they threw it away. "Don't deal with banks at your age," they said, "we don't want you getting into that trap so young."

So basically, they give me, per month, the same as I'd get from a student loan. But I owe them instead of a bank, and I do have to pay them back.

It's because I know I'm not really getting a free ride I can feel less like a free-loading layabout, and means I can still look down on the people who complain that daddy won't let them use the villa in Cyprus this summer. But still, I've got it easier than most, because I've got a safety net.


Are you expected to pay them back at a certain point, though?

Obviously with a standard loan, you don't start paying back until you're earning £15,000. Which in my case probably won't be for years yet.


As soon as I get my first job, pretty much

The advantage of this is no interest or anything, so it's a fixed sum. And they're going to be a lot less arsey about late payments, I suppose...

Plus I'd be surprised if I ever end up in a job earning more than £15,000 a year!


I know, I'm not sure I'd know what to do with 15 grand!

Slight exaggeration, but still. I was on a lot less as a student, and never really felt as though I went without.


Oh, yeah

I owe them for other fees, tuition and so forth, too. So I learn the importance of self-reliance.

I couldn't deal with it if I was expected to take the money without question.


it would make better financial sense of you to take the loan

at super low interest rate, and your parents to invest the money they were gonna give you in some tax-free fund


I told them this

They thought it a kind of cheating.

They have a mindset, and they're damn well sticking to it.


you should take the non-means tested loan

and not tell them. invest it! or blow it on coke. your choice!


The amount they, as middle class parents, were supposed to.

In this case, my rent and tuition fees.


Yes

Basically, if I'm about to max out my overdraft, they give me a cash injection.


i must be lucky

my parents paid for everything for my sisters and are going to for me.


Nope


Irrelevant reply

as I didn't go to uni, but I'd just like to back up dark_truffles above and say that I had to pay rent to my parents as soon as I turned 16. It wasn't so much that they needed or wanted the cash, it was more for teaching a sense of responsibility to me when I actually had money for the first time. I left school earning £10,000 16 year ago, so I think they were perfectly within their rights to do so.


mine help

with rent and tuition fees. I work during the holidays though to earn money for living expenses etc and so I don't feel like I'm not contributing. I hope I'll be able to do the same if I have kids.


No

But I get the maximum loan and well as a hefty grant which covers all my expenses. Saying that, I'm nearing my overdraft limit and I've only been living off of 40 quid a week this past year. I shouldn't complain about not being able to afford to go out/go shopping etc though coz that's my own fault for not getting a part time job. I had a fair amount of leisure money last year but that's coz I saved up by working full time in the summer. My parents do subsidise my travel fare to go home at holidays though (But I do get the coach..)

It's all means tested though isn't it? It's true that those in the 'lower middle class' bracket tend to get completely screwed over though.





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