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    (Original post by cherryred90s)
    You won't suddenly become financially stable on your 18th birthday...
    It doesn't matter if they aren't legally responsible for you when you turn 18. You don't stop becoming their child. They should still help you out and SF expects them to.

    You won't be depending on them for the rest of your life. It's until you are working a stable full time job which is ideally when you finish uni.
    why should they, many families of students can't. i know SF expects them to, the whole system is corrupt so there's no point sticking up for SF, the tories have f*cked everyone over with the taking away of grants and reduction of loans, etc. stop having a go at me, it's not my fault my parents don't earn enough to support me, and that our government is utter sh*t. you're talking like everyone's parents earn enough to give them money - this is not the case. it may be for you, and that makes you privileged over me. in an ideal world, they'd help me out, but they can't. good for you if your parents can/could, but many aren't so lucky.
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    (Original post by infairverona)
    You've just confirmed it I'm afraid.

    70k per month on a 1060L tax code is £3,596 per month. That's also including if your parents had student loans. Let's say a term of nursery is what - 12 weeks? So around £1k per month? That's still £2596 left per month.

    With no mortgage let's think bills. I don't know how big your house is but we live in a 5 bedroom semi-detached and our bills come to around £800 a month. Let's say your parents' bills are £1000. That leaves £1596 per month.

    Even if after bills and nursery your parents spent £600 on stuff like travel, food, clothes for your siblings, there is still £1k left. Or alternatively, say they spent £1k on travel, food and clothes. £600 left.

    So where is the rest of that money going if your parents have no mortgage or car costs? They are not being honest with you. They could help you out at least a couple of hundred a month if they wanted to.
    so what you're saying is they should give me the £600 left? basically, they have a house, which they own, but it is far too big and it's old, so it sucks up money (they plan to down-size next year). with the spare room, they are going to rent them out, and from that they've said they can give me £500 per term. i only found out this last night, so they are willing to help me a bit.
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    (Original post by cherryred90s)
    Can't you live at home?
    i can, but the uni i'm going to pretty much requires you to stay in halls in your first year. if i can sort myself out for a year, then it'll be fine, hopefully.
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    (Original post by opalesecent)
    why should they, many families of students can't. i know SF expects them to, the whole system is corrupt so there's no point sticking up for SF, the tories have f*cked everyone over with the taking away of grants and reduction of loans, etc. stop having a go at me, it's not my fault my parents don't earn enough to support me, and that our government is utter sh*t. you're talking like everyone's parents earn enough to give them money - this is not the case. it may be for you, and that makes you privileged over me. in an ideal world, they'd help me out, but they can't. good for you if your parents can/could, but many aren't so lucky.
    Because they are your parents & they know you would seriously struggle and possibly miss a few meals without their help, isn't that reason enough?
    I'm not having a 'go' at you, I'm just saying that your parents should be helping. Have they said they can't give you anything at all?

    My mum earns less than half of what your parents earn. I am in no way privileged over you.

    I understand that many can't, but with 70k in earnings, im struggling to understand why your parents can't give you anything.
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    (Original post by cherryred90s)
    Your parents earn 70k...
    in nursery fees thats 20K a year already gone. and then there's general living costs, bills, travel, and food and clothing for 4 children. 70K gets sucked up quickly.
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    (Original post by opalesecent)
    i can, but the uni i'm going to pretty much requires you to stay in halls in your first year. if i can sort myself out for a year, then it'll be fine, hopefully.
    Why does your uni require you to stay in halls?

    You'll probably need an overdraft
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    (Original post by opalesecent)
    in nursery fees thats 20K a year already gone. and then there's general living costs, bills, travel, and food and clothing for 4 children. 70K gets sucked up quickly.
    General living costs, bills, travel and food doesn't cost 50k a year. Travel isn't essential either
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    (Original post by opalesecent)
    so what you're saying is they should give me the £600 left? basically, they have a house, which they own, but it is far too big and it's old, so it sucks up money (they plan to down-size next year). with the spare room, they are going to rent them out, and from that they've said they can give me £500 per term. i only found out this last night, so they are willing to help me a bit.
    No certainly not. I wouldn't accept £600 a month from my Mum even if she could afford/wanted to give me it. But they COULD help you out if they wanted to, whereas you are saying that they can't afford to when I've just shown you they can, and obviously they can if they are going to give you £500 a term which is very nice of them.

    If I recall correctly my rent for a semester in Southampton was about £975 for a double bedroom with water included. Bills on top came to about £50 each per month. So if you were living private rented your parents' money would be giving you about half your rent, then you'd need to top it up by about £500/600 per term. I used to work in shops known for good pay like John Lewis or Aldi, and doing overtime meant I could earn £300/400 per month. Southampton has a big John Lewis in town as well as a Waitrose, I think there's also an Aldi now too. JL/Waitrose also give you a bonus. So in addition to the money you will get from SF it's 100% doable for you, you just have to be smart about it and live like a student, basically. You can get textbooks online or in the library, don't bother buying them; eating own brands of Asda/Sainsbury's food usually taste exactly the same as 'brands'; pasta, rice and potatoes are your best friend - you'll be fine. Also Psychology tends not to have many contact hours so you will have a lot of freedom with your working hours and your studying hours.

    The main thing that costs students a lot at uni is alcohol, one of my friends got herself 3k in debt from going out 5 times a week. That's the kind of extra cost you don't need if you're stretched financially. Actually paying for food and a roof over your head - i.e., the basics - does not cost that much at uni. Except halls which are ludicrously expensive.
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    (Original post by cherryred90s)
    Because they are your parents & they know you would seriously struggle and possibly miss a few meals without their help, isn't that reason enough?
    I'm not having a 'go' at you, I'm just saying that your parents should be helping. Have they said they can't give you anything at all?

    My mum earns less than half of what your parents earn. I am in no way privileged over you.

    I understand that many can't, but with 70k in earnings, I'm struggling to understand why your parents can't give you anything.
    look, they care about me, and would certainly give me more money if they could. if i was literally living on the streets during uni, they'd obviously lend me money or take me in, they aren't heartless. you sound like you are more privileged - you're saying your parents paid for you to go to uni - that is a HUGE privileged, and one many students would gladly accept. i don't think your mum would be very happy to hear that even though she paid for your uni, you feel you aren't privileged.
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    (Original post by infairverona)
    No certainly not. I wouldn't accept £600 a month from my Mum even if she could afford/wanted to give me it. But they COULD help you out if they wanted to, whereas you are saying that they can't afford to when I've just shown you they can, and obviously they can if they are going to give you £500 a term which is very nice of them.

    If I recall correctly my rent for a semester in Southampton was about £975 for a double bedroom with water included. Bills on top came to about £50 each per month. So if you were living private rented your parents' money would be giving you about half your rent, then you'd need to top it up by about £500/600 per term. I used to work in shops known for good pay like John Lewis or Aldi, and doing overtime meant I could earn £300/400 per month. Southampton has a big John Lewis in town as well as a Waitrose, I think there's also an Aldi now too. JL/Waitrose also give you a bonus. So in addition to the money you will get from SF it's 100% doable for you, you just have to be smart about it and live like a student, basically. You can get textbooks online or in the library, don't bother buying them; eating own brands of Asda/Sainsbury's food usually taste exactly the same as 'brands'; pasta, rice and potatoes are your best friend - you'll be fine. Also Psychology tends not to have many contact hours so you will have a lot of freedom with your working hours and your studying hours.

    The main thing that costs students a lot at uni is alcohol, one of my friends got herself 3k in debt from going out 5 times a week. That's the kind of extra cost you don't need if you're stretched financially. Actually paying for food and a roof over your head - i.e., the basics - does not cost that much at uni. Except halls which are ludicrously expensive.
    i agree, it is very nice and helpful that they're giving me the £500 a term. thankyou for the advice, i will keep all of it in mind. hopefully, i will be able to just about afford it. just out of interest, did you receive any loaned money from SF, or any grants? haha well i'll have to stick out paying for halls for 1 year because the uni prefers it, but after i will definitely move back home or into rented accomodation - much less expensive as you say! hopefully i won't blow my loan on alcohol like your friend, i'm not a huge drinker if i'm honest!
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    (Original post by cherryred90s)
    General living costs, bills, travel and food doesn't cost 50k a year. Travel isn't essential either
    how do you know, do you have 4 kids? also, yes travel is essential - my dad commutes to london everyday, and my mum to eastbourne. we don't have a car.
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    (Original post by cherryred90s)
    Why does your uni require you to stay in halls?

    You'll probably need an overdraft
    it's just how they like it, they want you to be 'integrated into campus life', and also they probably just want guaranteed money from renting out overpriced halls to scared first years! they kick you out in your second year to make room for the next batch of first years, so they really are keen that you live in halls in your first year. and yes, i probably will.
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    (Original post by opalesecent)
    i agree, it is very nice and helpful that they're giving me the £500 a term. thankyou for the advice, i will keep all of it in mind. hopefully, i will be able to just about afford it. just out of interest, did you receive any loaned money from SF, or any grants? haha well i'll have to stick out paying for halls for 1 year because the uni prefers it, but after i will definitely move back home or into rented accomodation - much less expensive as you say! hopefully i won't blow my loan on alcohol like your friend, i'm not a huge drinker if i'm honest!
    I think I had some grant or something but I didn't find it very clear which was loan and which was grant to be honest, I got the highest amount you could and it still wasn't very much. My parents couldn't give me anything but they did give me lifts to and from uni at the start and end of the term which I was very grateful for. The most annoying thing is when there are students who have parents paying for all their rent and tuition fees moaning that they have no money, or alternatively they taunt you when you can't afford to go out a lot. But that's just life there's always someone better or worse off. I didn't like going out much either to be honest it's so overpriced but you do kinda have to go out a few times to make friends, you don't have to drink though. I just had a few and would only go on student night when it was cheap.
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    (Original post by infairverona)
    I think I had some grant or something but I didn't find it very clear which was loan and which was grant to be honest, I got the highest amount you could and it still wasn't very much. My parents couldn't give me anything but they did give me lifts to and from uni at the start and end of the term which I was very grateful for. The most annoying thing is when there are students who have parents paying for all their rent and tuition fees moaning that they have no money, or alternatively they taunt you when you can't afford to go out a lot. But that's just life there's always someone better or worse off. I didn't like going out much either to be honest it's so overpriced but you do kinda have to go out a few times to make friends, you don't have to drink though. I just had a few and would only go on student night when it was cheap.
    oh i see, what was the highest amount you could get at that point, i assume it's changed now? i know i can get something like £3,800 a year, was it more than that? i'm just trying to work out, based on what you said your experience was like and what your budget was like, whether i'd need to work 2 jobs, or how many hours i'd have to work. yeah, i know plenty of people whose parents will pay for them to go to uni, and no doubt they will do this. people don't realise how lucky they are, and they don't appreciate anything enough. yeah i think i'll do the same.
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    (Original post by opalesecent)
    oh i see, what was the highest amount you could get at that point, i assume it's changed now? i know i can get something like £3,800 a year, was it more than that? i'm just trying to work out, based on what you said your experience was like and what your budget was like, whether i'd need to work 2 jobs, or how many hours i'd have to work. yeah, i know plenty of people whose parents will pay for them to go to uni, and no doubt they will do this. people don't realise how lucky they are, and they don't appreciate anything enough. yeah i think i'll do the same.
    I think I got £1200 but I can't remember. It might have been slightly more. So with rent of £975 and bills of £50 x 3 (uni semester was about 3 months) that was about £1125. Then food on top. Sometimes if I wanted to go home (which I did quite often) my parents or grandparents would give me the £25 train fare and I had a railcard, or I would book coaches far in advance for £5. I bought textbooks in my first year then stopped when I realised you could get them in the library or online and often your tutors put up mandatory reading anyway so you don't need the book. I worked one job, various hours, was contracted 8-12 but I picked up as much overtime as I could. Also the problem with a job is most places don't do 'summer jobs' anymore so I actually didn't go home very much over Christmas or Easter, and I stayed over summer holidays too because I couldn't afford to come back to uni without a job. So I went home a lot of weekends during term time but I couldn't go home much over summer etc because retail jobs don't give you much time off and I couldn't afford to quit for 4 months.
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    (Original post by opalesecent)
    Hi, so this is the situation. I have applied for Psychology BSc at Bristol, Sussex, UCL, Southampton and Goldsmiths. I have an offer from Goldsmiths and am waiting for the others; as I am predicted three A's, I am hoping I will get a few more.

    Basically, the main problem is not whether I get offers, but how I will fund going to university. I am aware I can get a student loan to cover tuition fees, I have no problem with this, I understand that many people will need to do this, and I only have to start paying it off when I can afford to. But the maintenance cost is my main concern.

    I am not eligible for any grant or loans as my parents earn over the maximum amount to get a loan from the government. They earn roughly 70K a year, which as far as I am aware means I do not qualify to a maintenance loan. However, though they earn a fair amount of money, they cannot afford to pay any of my maintenance fees; they cannot help me financially in any way, mainly due to the fact I have two younger siblings. I have a job but am paid badly, I currently have only £500 in my bank account.

    In other words, as far as I can see, it looks like I can't afford uni. I can't live at home, and I don't get any financial support because the loans are means-tested and my household's income is too high. I think this system is incredibly unfair; it does not take into account the fact that though people's parents earn a good amount of money, it does not mean they can afford to fund their children going to university.

    So anyway, my question is: is there any hope for me? Is there any way I can get financial support, are there any loans I am unaware of? I am determined to go to uni, if I possibly can! I have no learning difficulties so I cannot get support for that, and it is unlikely I'd get a scholarship, and I do not qualify for bursaries, and just for reference, I am a UK student. My only chance would be getting an 'Excellence Scholarship' if I get three A's and put Sussex as my first choice, as this offers £2,000 and free first year accommodation. Failing this, and planning for the next two year, what can I do? Any help is very much appreciated - thanks in advance!
    I just read this whole thread, and to summarise, you can afford to go to uni you are just not willing to make the sacrifices necessary to be able to afford it. It's definitely doable.


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    (Original post by opalesecent)
    look, they care about me, and would certainly give me more money if they could. if i was literally living on the streets during uni, they'd obviously lend me money or take me in, they aren't heartless. you sound like you are more privileged - you're saying your parents paid for you to go to uni - that is a HUGE privileged, and one many students would gladly accept. i don't think your mum would be very happy to hear that even though she paid for your uni, you feel you aren't privileged.
    So you're saying that they'd only give you money if you were homeless on the streets? Sounds abit stingy to me. That just shows that they can give you money but they are waiting until you desperately need it.

    I didn't say my parents paid for me to go to uni. I said my mum helps me out if I need it, so I'm not more privileged than you
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    (Original post by opalesecent)
    how do you know, do you have 4 kids? also, yes travel is essential - my dad commutes to london everyday, and my mum to eastbourne. we don't have a car.
    My mum has 4 kids and I know she didn't spend 50k on us because she isn't even earning 50k. We don't have a car either and she also commutes to work, it takes her an hour and a half. Stop looking for excuses and tell your parents you are in need of their help.
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    (Original post by cherryred90s)
    My mum has 4 kids and I know she didn't spend 50k on us because she isn't even earning 50k. We don't have a car either and she also commutes to work, it takes her an hour and a half. Stop looking for excuses and tell your parents you are in need of their help.
    i think you've exaggerated what you've said there. look, i have! of course i have, i've asked them again and again! i believe that they can't afford it, though i recently mentioned in a previous comment that they are prepared to give me £500 a term, so that is something.
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    (Original post by cherryred90s)
    So you're saying that they'd only give you money if you were homeless on the streets? Sounds abit stingy to me. That just shows that they can give you money but they are waiting until you desperately need it.

    I didn't say my parents paid for me to go to uni. I said my mum helps me out if I need it, so I'm not more privileged than you
    look, they are not legally forced to give me money, it is their money that they earn, therefore it is their decision what they do with it. i can't steal money, nor can i ring up child services - they are not required to give me money, and i respect that, especially when they can't afford it. yes you are - at least your parents helped you out. if my parents are actually lying to me and they can afford it, then there's nothing i can do, it isn't my fault. but i wholeheartedly believe they aren't, based on how i see them live and how much money they spend on themselves.
 
 
 
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