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    (Original post by pallan)
    I've got an offer for IMABS - AAB. Likely it will be my firm choice but not sure yet!
    That's exactly the course I want to do! The exchange opportunities are amazing
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    I've firmed Manchester for Pharmacy my accomodation choices were 1. Richmond Park 2. Opal Gardens 3. Victoria Hall
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    Firmed Manchester for Optometry!! Is there anyone else out there
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    I need some help with my accommodation choices! In an ideal world, I'd like halls with an en suite room and the social element, preferably at the Victoria Park campus (I've heard that some halls in Victoria Park are a lot more quieter than others). Any help (from origami in particular) would be much appreciated.
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    I've got an offer for Petroleum Engineering - AAB. Firmed it

    Also I'm an international so not knowing anything about the halls I'd really like some info about the Victoria Hall too since I'm most probably gonna make that my first choice. Thanks
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    Hi!

    Just been accepted for management and leisure, really excited!
    Hoping to meet people before I get there so pls feel free to talk to me, i know we're all nervous a little but I was at another university previously so any advice anyone may need pls let me know.

    Hope everyone gets the offer they want!
    Goodluck xx
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    Offer for BA Geography!
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    Firmed Manchester for BA history today!


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    Firmed Manchester for Biochemistry today soo excited!!
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    Offer from manchester for law AAB
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    Firmed Manchester for Biology!
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    Just firmed manchester (conditional AAB offer) for English Literature and Drama
    What are people thinking for accommodation?
    Maybe 1. Richmond park 2. Sheavyn House and 3. Burkhardt house
    For me hmm
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    Applied for accommodation last night! 1. Richmond park, 2. Opal Gardens, 3. Sheavyn house!
    Genuinely cannot wait.


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    Do you have any idea where can I find some photos from the halls?
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    I applied for accommodation today! 1 - Sheavyn House, 2 - Opal Gardens and 3 - Canterbury Court.
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    Hey ORIGAMI BULLETS or anyone else who knows about this:

    Is my calculation for student debt (below) correct? (I've used approx values)

    Maintenance loan ~ £3500
    Tuition fee ~ £9000
    Total Loan Borrowed per year ~ £12500
    Interest ~ RPI + 3% = 6.3% (March 2013)

    YEAR 1
    £12500 x 1.063 = £13287.5

    YEAR 2
    (£12500 + £13287.5) x 1.063 = £27412.1125

    YEAR 3
    (£12500 + £27412.1125) x 1.063 = £42426.57559

    YEAR 4
    (£12500 + £42426.57559) x 1.063 = £58386.94985


    SO BASICALLY £60000 debt
    Then RPI + 3% rate continues annually from the April after you finish??

    Is this calculation correct? I am very daunted by this..
    Don't get me wrong, I really REALLY want to do Pharmacy but that is a hell of alot of money!! D:
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    (Original post by otago)
    Offer from manchester for law AAB
    Hey is it law with criminology or just law?

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    (Original post by pendulumswinging)
    I need some help with my accommodation choices! In an ideal world, I'd like halls with an en suite room and the social element, preferably at the Victoria Park campus (I've heard that some halls in Victoria Park are a lot more quieter than others). Any help (from origami in particular) would be much appreciated.
    Hi,

    have you read this thread? http://www.thestudentroom.co.uk/show....php?t=2091577

    (Original post by stoineagaby)
    Do you have any idea where can I find some photos from the halls?
    http://www.thestudentroom.co.uk/show....php?t=2091577

    (Original post by cyiarik)
    Hey ORIGAMI BULLETS or anyone else who knows about this:

    Is my calculation for student debt (below) correct? (I've used approx values)

    Maintenance loan ~ £3500
    Tuition fee ~ £9000
    Total Loan Borrowed per year ~ £12500
    Interest ~ RPI + 3% = 6.3% (March 2013)

    YEAR 1
    £12500 x 1.063 = £13287.5

    YEAR 2
    (£12500 + £13287.5) x 1.063 = £27412.1125

    YEAR 3
    (£12500 + £27412.1125) x 1.063 = £42426.57559

    YEAR 4
    (£12500 + £42426.57559) x 1.063 = £58386.94985


    SO BASICALLY £60000 debt
    Then RPI + 3% rate continues annually from the April after you finish??

    Is this calculation correct? I am very daunted by this..
    Don't get me wrong, I really REALLY want to do Pharmacy but that is a hell of alot of money!! D:
    Hi,

    The thing with student loans is that they're not like ordinary debt, as the repayments are linked to how much you earn, not how much you owe. You only pay back 9% of anything you earn over £21k, and after 30 years any remaining debt will be wiped off.

    So, if you earned
    £21k - pay back nothing
    £25k - pay back £360 per year
    £30k - pay back £1000 per year

    These are entirely affordable sums, and the majority of people won't pay it all back anyway.

    There's a very nifty tool here for working out how much you'll pay back http://www.moneysavingexpert.com/stu...nce-calculator On the basis of starting in 2014, taking out the loans you've referred to, and a starting salary of £22k, you'd pay back a grand total of £19,300, which is equivalent to £10,190 in today's money - nowhere near the £58k you've referred to!

    You also need to consider the fact that having a pharmacy degree will mean that your wages are much higher than they would be without a degree.

    It's definitely worth you doing a pharmacy degree :yep:
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    (Original post by origami bullets)
    hi,

    have you read this thread? http://www.thestudentroom.co.uk/show....php?t=2091577



    http://www.thestudentroom.co.uk/show....php?t=2091577



    hi,

    the thing with student loans is that they're not like ordinary debt, as the repayments are linked to how much you earn, not how much you owe. You only pay back 9% of anything you earn over £21k, and after 30 years any remaining debt will be wiped off.

    So, if you earned
    £21k - pay back nothing
    £25k - pay back £360 per year
    £30k - pay back £1000 per year

    these are entirely affordable sums, and the majority of people won't pay it all back anyway.

    There's a very nifty tool here for working out how much you'll pay back http://www.moneysavingexpert.com/stu...nce-calculator on the basis of starting in 2014, taking out the loans you've referred to, and a starting salary of £22k, you'd pay back a grand total of £19,300, which is equivalent to £10,190 in today's money - nowhere near the £58k you've referred to!

    You also need to consider the fact that having a pharmacy degree will mean that your wages are much higher than they would be without a degree.

    It's definitely worth you doing a pharmacy degree :yep:

    thank you!
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    Finally firmed!!!
 
 
 
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