The Student Room Group

Withdrawing from course at University - Any implications?

Just wondering if someone can help me out. I started a course at London Met University and am sick to death of their incompetence and the lecturers that don't seem to know anything.

I went directly into the second year of the Mathematics degree in January 2009. Applied for and got Student Finance of £3145 for Tuition fees and £4800 Maintenance Grant plus £1000 bursary. Tuition fees were paid half in Feb and half in May. £3200 of the Maintenance Grant was paid to me in Feb and the remaining £1600 was paid in April. Most of it went on accommodation.

My question is this - If I withdrew from the course right now, would there be any repurcussions or problems in relation to Student Finance and having to pay back anything. I'm sick of this Uni and just want to start working now but there is no point withdrawing if I will be forced to pay back any overpayment of Student Finance or any Tuition Fees to the Uni, since I got paid all of it within the first 4 months even though my academic year starts in January. I read that if you leave the course within the first 3 months, that you are liable for the Fees, but if you leave the course after 3 months, then the Tuition fees will be paid in full by Student Finance? But what about the actual maintenance loan, will there be any problems with that? If they do ask to pay it back, how quickly do they ask to pay it back considering that I will be unemployed?

Thanks in advance.
I'm not an expert in this, but generally speaking, and IIRC (yes I am deliberately instilling doubt in my knowledge here, I want other people to correct me), Student Finance repayment works by taking a percentage of your earnings above £15k/year to repay the loan. So you don't have to pay them a penny until you start earning more than £15k.
Reply 2
Over 15K earnings a year and then they start asking for payback.

With regards to going onto another course, if you so wish, then they fund your entire course plus one extra year. You have used up this 'extra' year at London Met but would still be eligible for full funding for another course.

I gather this isn't what you want to do as you want to start working. All the best :smile:
Reply 3
If London Met wish to charge you fees, which they will do, then they become your responsibility and will not be paid by the SLC, as per The Student Support Regulations which state that in order to qualify for a fee loan, a student must be in attendance 3 months after the start of the academic year.

You mention grants, and I think you've muddled your maintenance loan and grant in one. Grant entitlement is pro-rata'd, based on the time you were in attendance, so you would have to pay some of that back straight away. There's also an issue where the SLC can ask for most of the loan to be repaid before you're earning over £15,000 (it's in the T&C's). London Met would also probably want the bursary back too, and most likely in full.
Is the extra year pro-rota? Like say you only got a months funding with you get another year still just minus one month?
Reply 5
thepinkpowerranger
Is the extra year pro-rota? Like say you only got a months funding with you get another year still just minus one month?


Can you reword that please?
Reply 6
Taiko
If London Met wish to charge you fees, which they will do, then they become your responsibility and will not be paid by the SLC, as per The Student Support Regulations which state that in order to qualify for a fee loan, a student must be in attendance 3 months after the start of the academic year.

You mention grants, and I think you've muddled your maintenance loan and grant in one. Grant entitlement is pro-rata'd, based on the time you were in attendance, so you would have to pay some of that back straight away. There's also an issue where the SLC can ask for most of the loan to be repaid before you're earning over £15,000 (it's in the T&C's). London Met would also probably want the bursary back too, and most likely in full.


Thanks for your reply.

That's the thing, I started in January. I enrolled in January, so the spring semester was the first semester I was enrolled for. Hence, my assumption was that 3 months into it (Thus, April 2009) is when they're all paid off regardless?

In any case, I think it would be best to just continue to the end of the year if it's going to cause this many problems. Or just hope that London Met gets closed down, lol.
Reply 7
JasonT
Thanks for your reply.

That's the thing, I started in January. I enrolled in January, so the spring semester was the first semester I was enrolled for. Hence, my assumption was that 3 months into it (Thus, April 2009) is when they're all paid off regardless?

In any case, I think it would be best to just continue to the end of the year if it's going to cause this many problems. Or just hope that London Met gets closed down, lol.


For January start courses then 1 April is the cut off point. As we are way past that, your fees will have been paid.

I take it you are in the final term now? If you leave at the end of the term you will have not have to pay back any loan immediately but you will prolly be asked to pay back some of the grant (it is worked out over 365 days of the year so if you work it out from 1 January to end of term in December so you may be asked to pay back a £100-£200)

If you leave now you are likely to be asked to pay back around £450-£500 grant and £500-£1000 loan immediately (these are guesses based on maximum grant of £2835)

So financially you would be better to stick it out to the end but if you are able to walk into a job now and earn a nice chunk before Xmas then you gotta do what you think is best for you.
Reply 8
I suggest you stick to it for the first year, if the lecturers are no good have a look at textbooks, it is Maths (mostly theory) after all not Medicine or Engineering with a lot of laboratories. If you cannot understand something from the textbook then go ask your lecturers, I am sure they could answer your questions. Then, if you pass the year you can transfer to a better university in the London area. About the money, you have to return the grant money straight away, usually you make an arrangement to pay it back in instalments. They will send you an expences form to complete and decide on you income how much you should pay back each month.
Having withdrawn temporarily and the SLC mixing this up with withdrawing I can tell you for sure that if you withdraw without completing a year they class this as you being overpaid and you must repay that (the non-earning over 15k way). Be careful they also dont know their own policies and miscalculate your amount to repay several times with each operator telling you everyone else is wrong and theyre right.

I was lucky as I applied before this year and got my LEA involved and they in turn made the SLC rewrite 2 pieces of policy and realise their operators are idiots. My LEA also explained something the SLC didnt - if you say you dont have the money you can get the SLC to arrange a payment plan. Thankfully as I only withdrew temporarily and the SLC mucked me about (8 people in 2 hours each saying something different and convinced they were right) I got the amount 'reassessed' so it was added to my student loan for after I graduate and earn over 15k.

Good luck.
neo_2009
Can you reword that please?


Sorry I meant will not with!

Say you start uni and drop out after a month and then you pay back the overpaid grant and just leave the loan until you earn over 15k. When you start a different four year course, will you get funding for three years and then another year, minus the month's worth you had on the false start?

Thanks.
Reply 11
thepinkpowerranger
Sorry I meant will not with!

Say you start uni and drop out after a month and then you pay back the overpaid grant and just leave the loan until you earn over 15k. When you start a different four year course, will you get funding for three years and then another year, minus the month's worth you had on the false start?

Thanks.

No, it doesn't matter if you stayed for a month or for a year, they still treat it as a full academic year. You get funding again in your next course but this is your last chance. If you decide to stop again then you will never get funding again. In other words, you do it once you are ok, you do it twice you better find a full time job to finance your studies.
thepinkpowerranger
Sorry I meant will not with!

Say you start uni and drop out after a month and then you pay back the overpaid grant and just leave the loan until you earn over 15k. When you start a different four year course, will you get funding for three years and then another year, minus the month's worth you had on the false start?

Thanks.


I'm afraid that a partial year of funding counts as a whole year when working out your eligibility for a new course

So if you drop out after a month, that is your additional year used up

If you start a new 3 year course you will only have 3 years of full funding to complete that course

However, if you do need another year (say you have to repeat a year) you will still get a maintenance loan but you will not get a grant for that repeat year and you will not get a fee loan either (they call that 'self funding')
ASCIIcipher
I'm afraid that a partial year of funding counts as a whole year when working out your eligibility for a new course

So if you drop out after a month, that is your additional year used up

If you start a new 3 year course you will only have 3 years of full funding to complete that course

However, if you do need another year (say you have to repeat a year) you will still get a maintenance loan but you will not get a grant for that repeat year and you will not get a fee loan either (they call that 'self funding')


What if you start a four year course?
Reply 14
Then you would get funding for the duration of that, as it's duration of the new course plus one year minus previous study.
Taiko
Then you would get funding for the duration of that, as it's duration of the new course plus one year minus previous study.


Yay!

Thank you. :smile:
As someone who read this in January whilst considering leaving university and decided it would be okay, I feel the necessity to warn everyone that withdrawing from your course makes you liable to pay all over-payments back as soon as they ask for them, including both grants and maintenance loans, regardless of your income. I earn like 300 a month and like are asking for large repayments. Not fun.
I'm trawling though to find out as much information as possible about the effects on a student of withdrawing part way through a course (or being withdrawn by the college/university) and something I have noticed is that very few students realise that they may also be hammered for a full years fees by their university (check your Learner Agreements or contracts very carefully). We've just had a situation where son was withdrawn by college (they say he withdrew) and they gave a last attendance date of 30th November and they have billed him personally for a full years fees. This is thousands of pounds and they want it from his personal income - not in line with how you would normally repay it via student finance. If anyone is thinking of withdrawing from your course part way through the year or are struggling to the extent that you may be viewed by the college as withdrawing, please go to your Student Union and get support. Not all Colleges have fair fee policies as we have discovered. Some charge by the term if you withdraw but a handful have it in their contract/Learner Agreement that you will be charged for the FULL YEARS FEES (you will be billed personally and within a month of withdrawl - repayable immediately or on far less favourable terms than under student finance ). Our son has been issued with a ccj for 7,500 by his college (he is unemployed). Nobody needs this to happen to them, so please please check your contract/Learner Agreements if you may need to withdraw or are struggling and go to your Students Union asap for advice. We fell foul as our son was never given a copy of his Learner Agreement so we only became aware of this situation once it had actually happened. You shouldn't need to be on your guard against this kind of onerous contract, but unfortunately times have changed and some colleges are businesses and their moral compass is not what it should be.
(edited 7 years ago)
Original post by StudentParent
I'm trawling though to find out as much information as possible about the effects on a student of withdrawing part way through a course (or being withdrawn by the college/university) and something I have noticed is that very few students realise that they may also be hammered for a full years fees by their university (check your Learner Agreements or contracts very carefully). We've just had a situation where son was withdrawn by college (they say he withdrew) and they gave a last attendance date of 30th November and they have billed him personally for a full years fees. This is thousands of pounds and they want it from his personal income - not in line with how you would normally repay it via student finance. If anyone is thinking of withdrawing from your course part way through the year or are struggling to the extent that you may be viewed by the college as withdrawing, please go to your Student Union and get support. Not all Colleges have fair fee policies as we have discovered. Some charge by the term if you withdraw but a handful have it in their contract/Learner Agreement that you will be charged for the FULL YEARS FEES (you will be billed personally and within a month of withdrawl - repayable immediately or on far less favourable terms than under student finance ). Our son has been issued with a ccj for 7,500 by his college (he is unemployed). Nobody needs this to happen to them, so please please check your contract/Learner Agreements if you may need to withdraw or are struggling and go to your Students Union asap for advice. We fell foul as our son was never given a copy of his Learner Agreement so we only became aware of this situation once it had actually happened. You shouldn't need to be on your guard against this kind of onerous contract, but unfortunately times have changed and some colleges are businesses and their moral compass is not what it should be.


Hi, this is an old thread you've replied to. I'm going to close it now. But please feel free to start your own.