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PAying for Birmingham Accommodation watch

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    I'm sorry if this is one of those questions that has been answered loads, I've looked and cannot find anything.

    The accommodations I'm applying for a Birmingham University are all above the maintenance loan (around 3,300). I'm in a self catered flat. My parents arent helping me pay for anything. This means I'm going to be just under 2000 pounds short in the first year just to pay for the accommodation. This doesnt include living costs.

    What am I meant to do? Is there a way to get the extra money? If theres a thread like this please link me to it and ill delete this one.

    thankyou.
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    Work
    Overdraft
    Maintenance grant
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    As above, sorry. It's the way it is for most students.
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    ok but i could potentially be 3,500 - 4,500 pounds short. Unfortunately I cannot get a job. Is there another loan I could take out? From a bank maybe?

    My parents income is too high to get a maintenace grant I think.

    Dont want to come across as complaining by the way.


    Thank you for the help
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    (Original post by muddywaters51)
    Unfortunately I cannot get a job.
    Why's that?
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    (Original post by muddywaters51)
    ok but i could potentially be 3,500 - 4,500 pounds short. Unfortunately I cannot get a job. Is there another loan I could take out? From a bank maybe?

    My parents income is too high to get a maintenace grant I think.

    Dont want to come across as complaining by the way.

    Thank you for the help
    It's as others have said it a case of getting a bank loan, an overdraft or better still a job.

    Why don't you think you can get a job? I manage to work 20 hours a week as well as study medicine...
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    (Original post by PercyChatsworth)
    Why's that?
    (Original post by SemperVivum)
    It's as others have said it a case of getting a bank loan, an overdraft or better still a job.

    Why don't you think you can get a job? I manage to work 20 hours a week as well as study medicine...

    It's not through a lack of effort or because I'm studying for my summer exams.

    I have a broken shoulder blade right now and I'm in a sling. I think this firstly rules out most jobs. I live in the countryside and there arent alot of job opportunities around for me. I cannot drive and therefore cannot get to and from work right now and I dont have a car. Perhaps at university I could get a job but that seems a bit risky especially if I didnt manage to find a job.

    Is a bank loan a fairly common route to take?
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    (Original post by muddywaters51)

    Is a bank loan a fairly common route to take?
    Hope your shoulder sorts out.

    Most people go the overdraft / job route. Loans from banks aren't ideal, especially in your first year as you have quite along road ahead; they are also more expensive than borrowing with a student loan, and some banks may not let you have a loan so early in your studies without a guarantor (i.e. parents).
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    Sadly career development loans aren't available for undergraduate degrees - those are ideal as you don't start paying back until you graduate.

    I don't imagine any bank would give you a loan, and it would be a bad idea to get one anyway as you would have to start paying the loan back a month after the loan is made. Given the only income you have is the maintenance loan, you clearly don't have sufficient funds to afford the repayments and any bank would be foolhardy to lend you the money.

    You may want to have a chat with your parents about money, and the university may be able to give you advice on whether you qualify for any hardship assistance (which is unlikely if your parents earn too much for you to get a maintenance grant). Failing that you will need to get a job as soon as you are able.
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    (Original post by PercyChatsworth)
    Sadly career development loans aren't available for undergraduate degrees - those are ideal as you don't start paying back until you graduate.

    I don't imagine any bank would give you a loan, and it would be a bad idea to get one anyway as you would have to start paying the loan back a month after the loan is made. Given the only income you have is the maintenance loan, you clearly don't have sufficient funds to afford the repayments and any bank would be foolhardy to lend you the money.

    You may want to have a chat with your parents about money, and the university may be able to give you advice on whether you qualify for any hardship assistance (which is unlikely if your parents earn too much for you to get a maintenance grant). Failing that you will need to get a job as soon as you are able.
    Right. My parents earn quite alot of money (no boast) so I highly doubt any hardship assistance. Theyve only recently told me they arent helping anymore because I did not satisfy a condition of theirs. Which is ok its their money but I wish I would have known sooner.

    I have only have 120 pounds of my own at the moment. I guess I'll try and save as much money as possible until then and hopefully I can get a job. The birmingham student union (or guld i think its called) have a little area where you can find jobs so i guess when i get there I'll go there straight away.

    I've found a really cheap accommodation within the maintenace loan now so if i get in I'll only have to pay for living costs.

    Thanks guys.
 
 
 
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