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    I am applying for uni for this september and I've been looking at accommodation costs.

    I get the lowest loan (which is £3,575) because of my parents income but my parents are not going to help finance me.

    the cheapest accommodation for the universities I am applying for is £98 to about £120 a week

    if it's 35 weeks average you pay for then my accommodation at £98 will cost about £3,430 total, leaving me about £4 a week. to live on
    and this is the cheapest I can find. so how does this work?


    I do hope to get a job to support myself but is this the only option?

    I'm so frustrated right now
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    Some people get a job over the summer and save the money up to spend over the rest of the year, that's probably your best bet.
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    Are your parents aware of this?


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    (Original post by tory88)
    Some people get a job over the summer and save the money up to spend over the rest of the year, that's probably your best bet.
    That makes the most sense, I just need to save up enough
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    A lot of people work to supplement themselves during uni,you might be eligible for other forms of finance from the uni but I think its saved for the poor.

    Depending on your course you can apply for bursaries,that might be an option.

    Student loans from the bank? Clean credit history you should get few grand a year I believe.

    And also,threaten no contact with the grandkids when they come. Why are your parents being so selfish?
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    Definitely work prior to starting. You could save up quite a lot whilst your still living at home (resist spending and you have very little outgoings)


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    (Original post by anonymouse01)
    Are your parents aware of this?


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    yes.

    they want me to stay at home and go to the nearest uni Southampton Solent which I do not think will be best for me.

    I've always been told by my teachers and friends and other family members to go where you want to to get the best education and the best future.

    (sorry, I'm just frustrated I need to get a job but it's been a pain since we moved house I had to quit my job because they didn't transfer me (as in my manager was a **** and couldn't be bothered) :mad:
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    (Original post by Maxisussex)
    A lot of people work to supplement themselves during uni,you might be eligible for other forms of finance from the uni but I think its saved for the poor.

    Depending on your course you can apply for bursaries,that might be an option.

    Student loans from the bank? Clean credit history you should get few grand a year I believe.

    And also,threaten no contact with the grandkids when they come. Why are your parents being so selfish?
    they want me to stay at home, I want to fly the nest (this isn't the important part)

    do you know much about the student loans you're talking about? it sounds like an option?
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    I don't understand why just because your parents earn over so much they should have to support you because you don't get a bigger loan.

    It sucks but it's just the way it is. If they told you they couldn't support you if you went further afield and you went and chose another uni anyway then that isn't really their fault - they laid it out as it was and you chose to refuse the easiest option.

    Sorry to be the blunt one but while I appreciate it may not have been the best option to stay local if you can't afford to go further afield you need to be realistic.
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    (Original post by Amysgotapillow)
    they want me to stay at home, I want to fly the nest (this isn't the important part)

    do you know much about the student loans you're talking about? it sounds like an option?
    The first point is quite important,if they are refusing you financial help solely because they want their child to never grow up.

    I would go to the banks in the new year and discuss their options with you,it varies from bank to bank but with a good credit history you should be ok.

    What course are you studying?
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    From the sounds of it once you've left and it dawns on them you are not a child anymore they will most likely give you financial help. Not that you can rely on that, but I'm sure that's what will end up happening.


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    I think they want you to be independent and make the right choice, yourself. Moving away is probably the best bet because you'll gain experience and independence from this. Let them know and say you could do with a bit of financial support. Going to the uni which suits you best is not only beneficial for you, but also for them in the long term.


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    (Original post by Maxisussex)
    The first point is quite important,if they are refusing you financial help solely because they want their child to never grow up.

    I would go to the banks in the new year and discuss their options with you,it varies from bank to bank but with a good credit history you should be ok.

    What course are you studying?
    It's not that they are outright refusing, yes my parents earn in the high bracket but we've recently moved house, to a much bigger house, their mortgage is much higher so effectively they have less money.

    I'm going to be doing Fine Art/Photography, so I'm going to be a poor art student for a while anyway.

    I posted this thread out of frustration confusion and stress, but I think the best thing for me is to take out a gap year and earn more to support myself, as well as hopefully gaining real life experience and more to add to a portfolio.

    going to still apply this year, but defer it and go in september 2014.
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    (Original post by Amysgotapillow)
    It's not that they are outright refusing, yes my parents earn in the high bracket but we've recently moved house, to a much bigger house, their mortgage is much higher so effectively they have less money.

    I'm going to be doing Fine Art/Photography, so I'm going to be a poor art student for a while anyway.

    I posted this thread out of frustration confusion and stress, but I think the best thing for me is to take out a gap year and earn more to support myself, as well as hopefully gaining real life experience and more to add to a portfolio.

    going to still apply this year, but defer it and go in september 2014.
    Ahh I see well that's fair enough,if it comes down to it and they can help would be good but staying at home isn't the worst thing....especially as it sounds like nice digs.

    With work and loans you should live pretty nicely for a student but the overdrafts and cards are pretty useful.

    I doubt non uni/banks will provide finance for your course as it's art related.
    I think it's pretty much NHS/science and engineering institutes that hand out grants.
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    Am in same boat, 3575 loan due to fact that am 24 and don't want my parents income involved in my loan and to cause them hassle that they had with my sister. So am saving loads from my job to cover first year. Second year I'll be 25 so it be based on what I earned. As they class you independent from parents. So I should be able to full grant and loan. As I never earned 15,000 grand in a year, let alone 25,000. So hopefully second year and third. With summer work I should be able not to work during term time. Sometimes you just got to think of ways to support yourself. It's not going to be easy for me. Your best bet is too plan ahead and try and save money. Am lucky am working full time so am saving loads. Try set yourself a funding target which you think you can get too. Then look at all you cost for a year at uni. Accommodation, food, travel, mobile phone, extras. Set yourself a weekly and monthly budget to cover it. For example I budget about 275 for a month at uni. Covering food, travel, mobile phone and some money for extras. I also budgets the one of cost such as paying accommodation for full year at start if I can afford it and the likes of a tv licence. Also for a years parking permit for a year as I have too take my car. Also budgeting into my budget how much I need for car insurance/ tax/service/mot. Plus having money left over for if an unexpected cost. Most likely I'll have more money than I actually need but am not just going to go out and spend it. I can live happily and comfortably without the need too spend loads. My extras budget per week is £20, so £80 per month. Which is more than enough


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    does that total cover any maintenance loan? If you're eligible? I have no great understanding of how the system works but everyone always seems to talk about them as separate things, which I assumed they were.
    Since you're doing fine art won't you need to pay for some materials? (unless it's really just a photography specialism?)
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    i feel this so bad. i am only eligible for the lowest loan as you stated. my parents are providing no finacial help- they are already decorating my room for my sister and i haven't got acceptances. i have very little savings left as my mother has lied and i have given her over £600 pounds of my uni savings. my accomadations for my two chosen unis are quite a bit less than yours, between 80-98 p/w. with loans going in september/ january/ april, i assume like other peoples rather than one huge lump like some peoples, that once rent has come out that i will have around 110-130 for food/ clothing/ health etc. i am literally nearly crying thinking about how i will survive.
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    Are you not entitled to a Grant by the Government?
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    which uni are you going to?
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    It's hard when you know your not going to get any support from your parents. Am in same position, somewhat. In my case I will be 24 when I start uni in September. In my case I don't want my parents income to be part of loan so I only get the basic 3575 loan. As there were a lot of issues for my sister with student finance. Am lucky that am working so in position to save as much as possible. Am over half way to my saving total. Hopefully come second year being 25, I should be able to get full loan and grant. As your considered independent of your parents by student finance. So it be based on what I earned which is no way near 25 grand. Because I got to support myself I got quite a lot of cost to cover. Rent, car insurance/tax/service/mot, food, mobile phone, tv licence, car parking at uni, extras. It all adds up and you got to budget. I set a budget total and with loan and savings I will still have spare cash. With a 500 pounds spare for if things go wrong say with my car. It's good to budget all your living cost and if you have more than you need put aside as I just incase. If you don't spend it during that year then you got it for the next year.


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