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    (Original post by Samual)
    Oh please, £55k is not comfortable? I swear people on TSR need a reality check.

    There are four people in my family on a household income of £15,000 (and no, we don't live in a council house and we're not in receipt of any benefits). That means no holidays, no cars, lots of second hand furniture/school uniforms, freeview TV, no pets, no pocket money when we growing up, no mobile phones or computers which we didn't pay for ourselves, no visiting family that lived beyond a bus ride away. And the thing is, there are millions of people who are far worse off than we were. And you think you deserve the same financial support as me? :rolleyes::lol:



    Says someone who has never experienced life in a low-income household. Your dad's pension contributions might be a lot but at least he can afford to make them - my mum has no pension because she literally could not spare a penny towards it. Count your blessings.
    I think that students should be assessed equally, regardless of their mum and dads income, they should be assessed as independent students, we aren't children. Also, I do acknowledge that while there are many families who cannot afford to go on holiday, pay for sky, cars and various other luxuries, there are also families who cannot afford to send their child to university even if they exceed the threshold.



    (Original post by Ruffiio)
    I know right? My parents earn around £13,000 per year and we don't have any benefits (might have working tax credits but not completely sure) we and myself live in a normal house like everybody else, not a council house. I've never been on holiday before in my life, got hardly any money on birthdays growing up, sometimes I'd ask for certain foods when I was younger in high school and college but my mom always said they were too expensive and she couldn't afford to buy them every week and I never grew up with multiple material possessions like lots of people now'adays who spend hundreds of pounds on gadgets.

    And don't think I'm being ignorant here, I understand the problem of middle income families being above the threshold, not getting as much student finance support and at the same time having parents unwilling to support them and thus they don't even have enough money to cover rent and have to live in overdraft just to survive and get a part time job alongside their studies.

    But people seem to forget about the fact we have had to live on a low family income for all of our lives growing up, £13,000, some people think 20k is low for god sake, some people need to think differently instead of bashing students who come from poor families and get lots of student financial support all the time. It's funny the way he complains about people being over 34k income threshold not getting on well, for what, 3 years minimum? Try living in a low income household for 18 years, *****es.
    3 years? Try 4 years, petal. (Scotland)

    I don't see why you're getting worked up? just because my household income exceeds 34k doesn't mean that I'm well off, as said before, my mum and dad have bills to pay. There are so many students who are over the threshold and are unable to pay for accommodation/food as a result.
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    (Original post by C-Rooney)





    3 years? Try 4 years, petal. (Scotland)

    I don't see why you're getting worked up? just because my household income exceeds 34k doesn't mean that I'm well off, as said before, my mum and dad have bills to pay. There are so many students who are over the threshold and are unable to pay for accommodation/food as a result.

    4 years? try 18 years living in a family on 13k, petal.

    I see their predicament like I said, but do you honestly think you;re just as worse off as my family on 13k? :hand: You're delusional.
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    But then again, I pay 16 000 for school fees. 5500 for accomodation. I do have money from savings and work.
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    (Original post by Ruffiio)
    4 years? try 18 years living in a family on 13k, petal.

    I see their predicament like I said, but do you honestly think you;re just as worse off as my family on 13k? :hand: You're delusional.
    You're comparing me to your mum and dads income? What? That's absolutely ridiculous. We aren't chatting about who had new shoes at school or went on a holiday, we are talking about individual students who receive less support. My mum/dad - their money, not mine. Why should I be treated differently because of my household Income? Am I four years old and dependant on mum/dad taking me to school? No.
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    Maintenance Loan: £5309 (Minimum study abroad loan)
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    Weekly spend after Accommodation: Depends!
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    I dunno because I haven't had my declaration, but my household income is 6k so I imagine I will get full grant and load plus a substantial inheritance (15k)
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    (Original post by Samual)
    Oh please, £55k is not comfortable? I swear people on TSR need a reality check.

    There are four people in my family on a household income of £15,000 (and no, we don't live in a council house and we're not in receipt of any benefits). That means no holidays, no cars, lots of second hand furniture/school uniforms, freeview TV, no pets, no pocket money when we growing up, no mobile phones or computers which we didn't pay for ourselves, no visiting family that lived beyond a bus ride away. And the thing is, there are millions of people who are far worse off than we were. And you think you deserve the same financial support as me? :rolleyes::lol:


    .

    I think you've misinterpreted. Firstly I don't disagree that on both ends of the extreme should be entitled to different amounts of money. Yes low income families on the extreme scale should have more than high income on the extreme scale. But the thing is 50K still isn't easy to live off pay their own mortgage, food and bills then on top of that have to struggle to pay my brothers remaining accommodation costs, try and help with food but he still ended up losing a ton of weight and next year they have to try and find a way to fund me as well. I've actually had them have conversation with me saying that they don't think they can afford to get me through university, but I'm determined to make it work. I've had to lend my parents money of up to £1000 through out last year because they literally had no money at the end of each month. We live in an expensive area because that's where my dads job is and there wasn't much choice because his sector has been cut down so much there aren't many jobs elsewhere. He works very hard from 7 am to 6pm and then when he's home he goes onto his work laptop to work until 8 or 9 pm sometimes. I don't have it easy, I haven't been on holiday for years because we just can't afford it.. A lot of my friends are low income and tbh I've never had life much different to them apart from I have slightly bigger house. Buy the same amount of clothes, go on the same amount of school trips etc.

    So while I don't disagree students from low income families need more finance (and I'm not saying I should get the same as someone who has a family income of 15K or less) It's ridiculous to me that a lot of people are getting over £100 a week after accommodation (when for food you only need about 20-30 pound) and are raving about going of clothing hauls each month and planning on putting it in the bank to go towards a house deposit or how they're going to use it to go out and get drunk every other night. It's the fact they have MORE than they need. Student finance is to cover basic living costs, not buy clothes, or alcohol, or go towards a house deposit. Yet I have, and many others, have LESS than we need even with parents helping out as much as they can. That's my problem.
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    (Original post by Ruffiio)
    4 years? try 18 years living in a family on 13k, petal.

    I see their predicament like I said, but do you honestly think you;re just as worse off as my family on 13k? :hand: You're delusional.

    Oh boo hoo.

    So you think that just because you've spent 18 years on 13k that you deserve free money and the rest of us exceeding 34k should suffer because apparently we are "well off". It's almost like you're saying that because you've lived on 13k in your life you should now be rewarded for that. It's stupid. Very stupid system.

    Yes in your eyes people in such 34k+ income families may be well off, but like an above poster implied, their parents will now have to find ways to reduce their current expenses whether it be cut the amount of money going towards pensions or stop paying for their parents' nursing home fees, they now have to find a way, and in their own way struggle. Whereas others like you that have 'suffered' for 18 years or whatever will all of sudden come into a hell of a lot of money resulting in certain luxuries that other students wont be able to afford/struggle with because apparently they're "well off". Like I said stupid system.
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    Maintenance Loan: £3862
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    Bursaries: £3000
    Scholarships: £0
    Savings: ~£700(from MaccyD's but I'll probs spend it before uni)
    Money from Parents: £0

    Accommodation Cost: £5118, probs
    Weekly spend after accommodation: £98 (about £70 after essentials I think)
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    (Original post by C-Rooney)
    I think that students should be assessed equally, regardless of their mum and dads income, they should be assessed as independent students, we aren't children. Also, I do acknowledge that while there are many families who cannot afford to go on holiday, pay for sky, cars and various other luxuries, there are also families who cannot afford to send their child to university even if they exceed the threshold.

    Totally agree.

    We are supposed to be adults learning to live by ourselves (doing our own washing, cooking, living away from parents, etc), but we are still defined by how much our parents earn.
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    Money from Parents:they'll pay for my accommodation


    Accommodation Cost:3382(38weeks)
    Weekly spend after Accommodation: 89
    I got full student's loan(£9000)
    so I need to work for my food(think I'll get skinny haha)
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    I don't buy the argument that students are independent adults. Living independently means living on your own wage, not student loans and it certainly doesn't mean returning to your parent's house for the Christmas and summer holidays.

    (Original post by C-Rooney)
    My mum/dad - their money, not mine. Why should I be treated differently because of my household Income? Am I four years old and dependant on mum/dad taking me to school? No.
    Why shouldn't you? Your parents could support you - they might choose not to in which case you have my sympathies, but expecting the government to fund every student irrespective of how much their parents earn is completely unworkable not to mention immoral. This system is by no means perfect, but at the very least it enables the poorest students to go to university. If that means relatively wealthy students have to get a job to make up the shortfall in their funding, so be it.

    (Original post by Chlomc)
    I think you've misinterpreted. Firstly I don't disagree that on both ends of the extreme should be entitled to different amounts of money. Yes low income families on the extreme scale should have more than high income on the extreme scale. But the thing is 50K still isn't easy to live off pay their own mortgage, food and bills then on top of that have to struggle to pay my brothers remaining accommodation costs, try and help with food but he still ended up losing a ton of weight and next year they have to try and find a way to fund me as well. I've actually had them have conversation with me saying that they don't think they can afford to get me through university, but I'm determined to make it work. I've had to lend my parents money of up to £1000 through out last year because they literally had no money at the end of each month. We live in an expensive area because that's where my dads job is and there wasn't much choice because his sector has been cut down so much there aren't many jobs elsewhere. He works very hard from 7 am to 6pm and then when he's home he goes onto his work laptop to work until 8 or 9 pm sometimes. I don't have it easy, I haven't been on holiday for years because we just can't afford it.. A lot of my friends are low income and tbh I've never had life much different to them apart from I have slightly bigger house. Buy the same amount of clothes, go on the same amount of school trips etc.

    So while I don't disagree students from low income families need more finance (and I'm not saying I should get the same as someone who has a family income of 15K or less) It's ridiculous to me that a lot of people are getting over £100 a week after accommodation (when for food you only need about 20-30 pound) and are raving about going of clothing hauls each month and planning on putting it in the bank to go towards a house deposit or how they're going to use it to go out and get drunk every other night. It's the fact they have MORE than they need. Student finance is to cover basic living costs, not buy clothes, or alcohol, or go towards a house deposit. Yet I have, and many others, have LESS than we need even with parents helping out as much as they can. That's my problem.
    You seem to be suggesting that my family's situastion is an extreme. It is not, that is normal for hundreds of thousands, if not millions of working families. My mum managed to pay the bills, buy food, pay off a mortgage and supply all the necessary things for life on a very small income without benefits - if your parents cant do the same, and pay for your uni costs on an income of 50k then they are living beyond their means.

    I agree that a finance system that factors in money for entertainment is not ideal. However I fully intend to save as much money as I can when I go to uni. I would rather use the money for a deposit than spend it on alcohol or post-graduation holidays. You might say that is unfair, but I also think it unfair that I couldn't take up my place at a grammar school because we couldn't afford the bus fare - I got over it and you will have to too. Life isn't fair.
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    (Original post by Samual)
    You seem to be suggesting that my family's situastion is an extreme. It is not, that is normal for hundreds of thousands, if not millions of working families. My mum managed to pay the bills, buy food, pay off a mortgage and supply all the necessary things for life on a very small income without benefits - if your parents cant do the same, and pay for your uni costs on an income of 50k then they are living beyond their means.

    I agree that a finance system that factors in money for entertainment is not ideal. However I fully intend to save as much money as I can when I go to uni. I would rather use the money for a deposit than spend it on alcohol or post-graduation holidays. You might say that is unfair, but I also think it unfair that I couldn't take up my place at a grammar school because we couldn't afford the bus fare - I got over it and you will have to too. Life isn't fair.

    I'm not saying extreme in number wise but amount wise. Less than 15K per yer is a lower end extreme. But something like 100K a year is a higher end extreme and everything you're saying would be relevant to a household income of that. But you and they will get on fine through uni and not have to have financial worries, yet people in the middle like me will. Like I said my parent's have even had a conversation with me saying they can't afford it. Again I have NO control over how my parents spend their money. We have lavish things either. We don't even go to the movies, have meals out or anything. Literally their lives consist of work and sleep.

    Not going to grammar school is hardly the same as being able to afford a house deposit especially in a market where it's not uncommon for people 30 or older to still not be a homeowner. Why should you or anyone else get that given to you for free just based on what your parents had? I could have gone to grammar school, but I had to move for my dads job. Like you I got over it. Life is hard.

    I'm not saying you've had it easy or you don't deserve the level of financial help you get, but that doesn't I've been living a life of Riley. My dad had to work so hard and as a child he worked 6 days a week, went to work before I woke up and came home after I was asleep. It wasn't nice. I would have rather had less money but saw him more. He could have not done all that - just stayed being a taxi driver until changing career and my family wouldn't be having a crisis over how to afford mine and my brothers education. But the fact that my family income is "high" despite not having much leftover each month doesn't that I deserve to worry and stress over whether I'll have enough to eat each week. By all means people are welcome to have 5x what I get. I just would like enough to eat! I'm know it won't change a thing it's just acknowledging the system is very flawed.

    I just think people need to realise it's not black and white. Where people with "high" income families need to get over it + and where people assume if they can't afford to contribute thousands to each child each year ontop of everything else then they must be living beyond their means.
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    (Original post by Chlomc)
    I'm not saying extreme in number wise but amount wise. Less than 15K per yer is a lower end extreme. But something like 100K a year is a higher end extreme and everything you're saying would be relevant to a household income of that. But you and they will get on fine through uni and not have to have financial worries, yet people in the middle like me will. Like I said my parent's have even had a conversation with me saying they can't afford it. Again I have NO control over how my parents spend their money. We have lavish things either. We don't even go to the movies, have meals out or anything. Literally their lives consist of work and sleep.

    Not going to grammar school is hardly the same as being able to afford a house deposit especially in a market where it's not uncommon for people 30 or older to still not be a homeowner. Why should you or anyone else get that given to you for free just based on what your parents had? I could have gone to grammar school, but I had to move for my dads job. Like you I got over it. Life is hard.

    I'm not saying you've had it easy or you don't deserve the level of financial help you get, but that doesn't I've been living a life of Riley. My dad had to work so hard and as a child he worked 6 days a week, went to work before I woke up and came home after I was asleep. It wasn't nice. I would have rather had less money but saw him more. He could have not done all that - just stayed being a taxi driver until changing career and my family wouldn't be having a crisis over how to afford mine and my brothers education. But the fact that my family income is "high" despite not having much leftover each month doesn't that I deserve to worry and stress over whether I'll have enough to eat each week. By all means people are welcome to have 5x what I get. I just would like enough to eat! I'm know it won't change a thing it's just acknowledging the system is very flawed.

    I just think people need to realise it's not black and white. Where people with "high" income families need to get over it + and where people assume if they can't afford to contribute thousands to each child each year ontop of everything else then they must be living beyond their means.
    I'm sorry that you're going to find it so hard to pay for uni, I know the system isn't great but there are things you could do to manage the costs. You could go to a university near your home which would save on accommodation costs. You could get a job. You could buy second hands books. You could study with the Open University (which is much cheaper). Are you not prepared to do any of these things?

    I'm not comparing my situation with yours, I'm merely making the point that living in a low income household comes with many disappointments and hardships. If my one bit of good fortune is that I might be able to save some money whilst at uni then I will do it. We aren't given free money, most of it is loans which will be paid back. The grant isn't even that big, it won't even cover my accom costs.

    I don't want to get into *whose childhood was worse* match with you, but I likewise hardly ever saw my mum when I was younger because she was always at work. At least you had another parent who was around. You don't need to tell me the system is crap, I know it is, but making it fairer shouldn't mean treating everyone the same because we're not the same.
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    (Original post by Samual)
    I'm sorry that you're going to find it so hard to pay for uni, I know the system isn't great but there are things you could do to manage the costs. You could go to a university near your home which would save on accommodation costs. You could get a job. You could buy second hands books. You could study with the Open University (which is much cheaper). Are you not prepared to do any of these things?

    I'm not comparing my situation with yours, I'm merely making the point that living in a low income household comes with many disappointments and hardships. If my one bit of good fortune is that I might be able to save some money whilst at uni then I will do it. We aren't given free money, most of it is loans which will be paid back. The grant isn't even that big, it won't even cover my accom costs.

    I don't want to get into *whose childhood was worse* match with you, but I likewise hardly ever saw my mum when I was younger because she was always at work. At least you had another parent who was around. You don't need to tell me the system is crap, I know it is, but making it fairer shouldn't mean treating everyone the same because we're not the same.
    Of course I am prepared to cut down the costs where I can. I also plan on getting a job as quickly as possible. I'm not saying I won't manage because I'll find a way. I'm determined like that, it'll be a struggle and stressful but I'll get there. I'm not saying you shouldn't take advantage of your situation - I would if it were me! I'll even admit I'm jealous because I honestly wish I could. From where I stand where I see people get pretty much what my entire loan is as a grant it's free money and the extra scholarships/bursaries it is too (I know scholarships you need to work for but with many places one of the conditions of receiving it is that household income has to be less than 42K or something so it wouldn't matter how well I do I couldn't get that)

    Again I've never mentioned anything about being treated the same. I just think the system needs balancing out. While I don't blame people for taking advantage of what they're eligible for, from where I stand (which I'm sure you/others will understand) it appears the many people get an excess of what they need while others in the middle aren't getting enough. I'd be feeling a hell of a lot more comfortable/less stressed with £25-30 left over each week from my accommodation (which would total to about £4,300 loan). People with lower household income could still have much more than that and it wouldn't bother me.

    I'm not disagreeing with anything you're saying. I just dislike it when people assume it's easy or don't understand how those in the middle can't afford to put children through uni.
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    Enjoying reading this, keep it coming.
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    (Original post by Ruffiio)
    Enjoying reading this, keep it coming.
    Lols.
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    Maintenance Loan: £5020
    Maintenance Grant: £1071
    Bursaries: n/a
    Scholarships: n/a
    Savings: n/a
    Money from Parents: n/a

    Accommodation Cost: ~£3432 (£71.50 x 48 weeks)
    Weekly spend after Accommodation: ~£65

    Problem is I'm in my overdraft still from last year (had less loan, halls were more expensive) which I'm trying to pay off with a part time job which may not be done by the time I start... I'm sure I will manage my finances better this year though
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    (Original post by Alotties)
    Maintenance Loan: £5020
    Maintenance Grant: £1071
    Bursaries: n/a
    Scholarships: n/a
    Savings: n/a
    Money from Parents: n/a

    Accommodation Cost: ~£3432 (£71.50 x 48 weeks)
    Weekly spend after Accommodation: ~£65

    Problem is I'm in my overdraft still from last year (had less loan, halls were more expensive) which I'm trying to pay off with a part time job which may not be done by the time I start... I'm sure I will manage my finances better this year though
    Ah, but the beauty of your course is your industrial placement! I've saved something like 3-3.5k this year, and that's earning minimum wage.
 
 
 
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