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    Hello,

    I am planning on going to university, as discussed on another, rather long thread of mine. I am having some issues mainly internal mental afflictions regarding how I am going to live whilst i study.

    I will be 27 by the time i get to uni, i currently own a small construction company which is slowly being wound up.

    My questions revolve around the living costs, I'm still at home with my parents, mainly due an absolute financial disaster that centred around some poor decisions i made when i was younger which ultimately ended in me standing in crown court and declaring myself bankrupt for around 90k (and defending myself again other cases...which is probably irrelevant as it was all washed down the plughole with the court order)

    The reason i am going to uni is to "get off the tools" and mainly as a challenge and most of all to attempt to climb out of this canyon of rut i seemed to be trapped in.

    I have tried/thought about getting a job, but any application i put in with a decent firm will be/is quickly be tossed aside as their pre employment credit check will reveal my dirty secret, the same with moving out of my parents, any landlord worth their salt will not accept me!

    So a five year uni course seems (seemed) like the answer, i can sit it out, work hard and gain a MEng, by which time the bankruptcy will be wiped from my credit file and i can start again.

    The only problem is the staying at home with my parents until i am 32 bit, i come from a poor family, who i subsidise to put food on the table and keep the lights on (this is no big deal, it has always been this way) I want a fresh start now, away from building trade, lack of options, the remote village in which i reside, my broken father and my manic depressive mother. The past 20 years have been hard the last 10 have been incredibly hard, i think i need a clean break?

    Uni is still the road I'm going down for the minute, if this doesn't work i plan to leave for new zealand as the bankruptcy information does not travel over international borders, where i can have a fresh start immediately.

    I don't know what i want in the reply's, just your thoughts? Or maybe I'm just venting, anyhow, thanks for reading!
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    Hey there! I had a friend last whom I was doing A-levels with, he was 27 last year, finished A-levels 10 years ago went straight to employment but he saw that without education he really isn't going anywhere. As I was repeating year 12 last year I happen to become friends with him, I was 19 at the time.

    We made sure that we going to university this year, I was very very surprised to meet a 27 year old been soo enthusiastic about going to uni (most people at that age are like you, driven by fear and insecurities) but he wanted to study law soo badly.

    But due to unfortunate things he didnt pass he's A-levels to the required varsity entrace level. As a result he didn't get in.

    Im 100% sure that if he passed well he would be in university at the age of 28 as a 1st year student.

    If you feel as if you want to go to uni dont waste anymore time bcoz next year u will feel like "it would've been better if I began uni last year". That will be a bigger regret.



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    (Original post by AsandaLFC)
    Hey there! I had a friend last whom I was doing A-levels with, he was 27 last year, finished A-levels 10 years ago went straight to employment but he saw that without education he really isn't going anywhere. As I was repeating year 12 last year I happen to become friends with him, I was 19 at the time.

    We made sure that we going to university this year, I was very very surprised to meet a 27 year old been soo enthusiastic about going to uni (most people at that age are like you, driven by fear and insecurities) but he wanted to study law soo badly.

    But due to unfortunate things he didnt pass he's A-levels to the required varsity entrace level. As a result he didn't get in.

    Im 100% sure that if he passed well he would be in university at the age of 28 as a 1st year student.

    If you feel as if you want to go to uni dont waste anymore time bcoz next year u will feel like "it would've been better if I began uni last year". That will be a bigger regret.



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    I agree, i was 21 when i first thought about going to uni!

    Its the practicality of it all that worries me, its all very daunting to say the least. And yes, in this instance i am driven by fear and insecurities!

    i could probably earn around £1000 per month working around my studies, and supposing i get the full maintenance loan and the bursaries from uni it should be just about do-able.

    Im really bad for looking around me at my peers that are doing well, and thinking I'm 10 years behind, i remember thinking back then "what are you bothering with all this university rubbish for" ...........little did i know!

    Is this post in the wrong forum? If so could someone please move it to the the mature student section.

    Thanks
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    Mature students students can still live in halls and some universities have mature only places. I'm about to turn 29 in my first year of uni, I know there's a few mature students in my uni living in halls and do ok.......might make it easier for you to have a clean break but I think your best bet would be to phone student finance and chat with them, I've always found them helpful.


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    (Original post by Head.In.A.Book)
    Mature students students can still live in halls and some universities have mature only places. I'm about to turn 29 in my first year of uni, I know there's a few mature students in my uni living in halls and do ok.......might make it easier for you to have a clean break but I think your best bet would be to phone student finance and chat with them, I've always found them helpful.


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    Yes, denzel, listen to this poster. Living in the halls of mature students will make things X100 better for you. Did u talk to your parents about this ? But again I will say;

    If you're thinking about UNI now, dont waste anymore time. GO FOR IT. If you feel its still not for you, you can always DROP OUT.

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    Thanks guys for your responses.

    Pointless mentioning anything to my parents, all i will get is shrugged shoulders.

    Never though about halls, I've just had a look and the uni does accom for mature students! great!

    How much is this (ballpark)

    (Original post by AsandaLFC)
    Yes, denzel, listen to this poster. Living in the halls of mature students will make things X100 better for you. Did u talk to your parents about this ? But again I will say;

    If you're thinking about UNI now, dont waste anymore time. GO FOR IT. If you feel its still not for you, you can always DROP OUT.

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    Yes, this has been my current frame of mind, until my mini mental breakdown earlier....i plan to save as much as poss plus get a decentish car to get me about by the time i go in sept, plus ill endeavour to work as much as possible whilst I'm at uni.

    Maybe I'm jinxing all this as i haven't even had an offer yet but i have been pre-approved by the tutor/head of department himself (which in itself was rather difficult!) so I'm pretty sure it will happen.
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    Keep us posted, all the best.



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    (Original post by Denzel89)
    Hello,

    I am planning on going to university, as discussed on another, rather long thread of mine. I am having some issues mainly internal mental afflictions regarding how I am going to live whilst i study.

    I will be 27 by the time i get to uni, i currently own a small construction company which is slowly being wound up.

    My questions revolve around the living costs, I'm still at home with my parents, mainly due an absolute financial disaster that centred around some poor decisions i made when i was younger which ultimately ended in me standing in crown court and declaring myself bankrupt for around 90k (and defending myself again other cases...which is probably irrelevant as it was all washed down the plughole with the court order)

    The reason i am going to uni is to "get off the tools" and mainly as a challenge and most of all to attempt to climb out of this canyon of rut i seemed to be trapped in.

    I have tried/thought about getting a job, but any application i put in with a decent firm will be/is quickly be tossed aside as their pre employment credit check will reveal my dirty secret, the same with moving out of my parents, any landlord worth their salt will not accept me!

    So a five year uni course seems (seemed) like the answer, i can sit it out, work hard and gain a MEng, by which time the bankruptcy will be wiped from my credit file and i can start again.

    The only problem is the staying at home with my parents until i am 32 bit, i come from a poor family, who i subsidise to put food on the table and keep the lights on (this is no big deal, it has always been this way) I want a fresh start now, away from building trade, lack of options, the remote village in which i reside, my broken father and my manic depressive mother. The past 20 years have been hard the last 10 have been incredibly hard, i think i need a clean break?

    Uni is still the road I'm going down for the minute, if this doesn't work i plan to leave for new zealand as the bankruptcy information does not travel over international borders, where i can have a fresh start immediately.

    I don't know what i want in the reply's, just your thoughts? Or maybe I'm just venting, anyhow, thanks for reading!
    Firstly, as a graduate, (graduated 2014, in second job since then) I have never been asked for a credit check for any job (nor, in fact, was I ever asked for a credit check before I went to uni). I do not work in financial services, where being declared bankrupt would be an issue, but in the vast majority of jobs they will neither know nor care. It will not show up on a DBS check (formerly a CRB check, only used if you want to work with children or vulnerable adults) as it is not a criminal matter.

    With regards to the landlord credit checks, it's common if you rent a non-student house through a letting agent. However, if you rent direct from a landlord, then they will rarely go to the trouble. For my current flat (not in the student sector) we were not asked for credit checks - just a letter from our employer to confirm wages and that contracts weren't about to expire. In the student sector for shared houses (as opposed to halls), they never bother as few have any track record to speak of - so they require a UK guarantor instead (would this be an option for you?)

    You might find it interesting to read this http://www.moneysavingexpert.com/loa...g-credit-score

    I would echo the idea of going into mature student halls - it will both get you away from your parents' house, and give you more options geographically in terms of where you can study.

    You will receive a student loan on the basis of your own finances (not your parents') so long as you are over 25 when you start studying, which will completely cover the costs of your tuition fees, and it will help your living costs.
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    (Original post by Origami Bullets)
    Firstly, as a graduate, (graduated 2014, in second job since then) I have never been asked for a credit check for any job (nor, in fact, was I ever asked for a credit check before I went to uni). I do not work in financial services, where being declared bankrupt would be an issue, but in the vast majority of jobs they will neither know nor care. It will not show up on a DBS check (formerly a CRB check, only used if you want to work with children or vulnerable adults) as it is not a criminal matter.

    With regards to the landlord credit checks, it's common if you rent a non-student house through a letting agent. However, if you rent direct from a landlord, then they will rarely go to the trouble. For my current flat (not in the student sector) we were not asked for credit checks - just a letter from our employer to confirm wages and that contracts weren't about to expire. In the student sector for shared houses (as opposed to halls), they never bother as few have any track record to speak of - so they require a UK guarantor instead (would this be an option for you?)

    You might find it interesting to read this http://www.moneysavingexpert.com/loa...g-credit-score

    I would echo the idea of going into mature student halls - it will both get you away from your parents' house, and give you more options geographically in terms of where you can study.

    You will receive a student loan on the basis of your own finances (not your parents' so long as you are over 25 when you start studying, which will completely cover the costs of your tuition fees, and it will help your living costs.
    Thanks for your reply,

    I have applied for a few jobs which could offer a decent career, BAE systems, Johnson mathey, civil service and two local firms, all of them requested permission for credit checks......it is quite common. If i was looking just to get any old job regardless of prospects then yes i suppose you are correct, it doesn't matter.

    Again with the landlord issue, yes i agree that renting direct from the landlord would skirt around the issue, but how do you go about finding who the landlord is once you have found a property? In this instance i would pay the entire lease up front.

    Id quite like to stay local tbh, only because i have a long list of contacts that can offer well paid work on an ad-hoc basis in and around uni, if i was to go further afield i would lose the contacts and would end up working part time min wage jobs rather than £150 per day for skilled trade work.
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    Heres my 2p worth

    I will read everyone elses response.

    1. Youve been through major trauma. You cna rebuild, it will be tough, but other people do it. In the US plenty of people go bankrupt and then build out of it. learn from it.
    2. Credit is shot, but that will last six years and less depending how long ago it was. You will stil,l be able to get a basic bank account, you cna still get certain credit cards, but for the most part you are cash only.
    3. I will assume you have established fees. So its just libing costs you need to worry about.
    4. Bankruptcy is going to affect you in some jobs , but not all. Jobs to do with finance are probably a no, other jobs will be a no, but its a case of apply and see. You are only interested in the person who doesnt see it as an impediment. Casual work, bar jobs, portering etc. not the best paid but less likely to be checked or worried. https://www.citizensadvice.org.uk/de...of-bankruptcy/
    5. Work out how much money you cna earn. If the amount is low, then you have to stay at home because you cnat afford to leave. On that basis you have to think yourself into the zone that you will make the best of it. Mayeb you have contacts left or you cna do soem self employed work during the holidays? Cash is king.
    6. If you cna earn a lot, then you cna leave. I doubt halls bother about credit checks as they would just stop your degree. Private accommodayion is different, but a private landlord has discretion so they might only be interested in cash up front, but all of it.
    7. You have to find the balance of how much you can earn and whether leaving is worth the costs. If money is short then id stay at home and reassess after a year whether you wnat to move out to uni.Sometimes in life i do what i cna now in the hope when ive cleared up soem things the road to take becomes clearer. Try and make a plan the progress with it and adjust along the way.I quite like
    http://www.amazon.co.uk/What-Color-Y.../dp/160774662X
    http://www.amazon.co.uk/Pathfinder-L...hfinder+career

    Join your library or get old 2nd hand copies any edition for a few pence plus postage. You can learn a lot and its full of ideas and support.
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    Ok the graduate jobs you need to get advice on. The priority is your degree, then your sell point is what youve told us, you had a bump, but you learned from it, went to uni and youve overcome it. If they are rejecting you then you just need to find the firms that wont use it as a stick to beat you with, the rest are irrelevant.

    The LL thing is really you avoid agencies who milk credit checks or if its an agency with a house you must have then you offer it all in advance. One ood way is halls for first year , make your friends and move out with them. Private LL's tend to be much more flexible, but be careful about offering a years rent. make sure you wnat it and then get receipts etc.
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    Hello, and thanks for your reply that must have taken a while to write.

    I have been discharged from bankruptcy and released from all legal restrictions, i kept the business going and managed to stay away from any lasting financial obligations. I have since set up a ltd company and exclusively trade from within this.

    This was nearly two years ago, and as far as I'm concerned is a slightly embarrassing subject, albeit one of the best things i have ever done.

    I am thinking of getting year zero out of the way and, allowing myself to adjust to uni life and re-asses my living situation then.

    I do have savings, and plan to have a substantial sum by the time u start in sept, at least enough to live a decentish life without working for a few years. (depending on living situation)

    Im not so worried of financials more the "you bloody idiot daniel, why didn't you did this years ago" aspect, the feeling of another 5 years of struggle, but in reality it isn't going to be its the terminal anxious chimp in my mind that runs riot from time to time.

    I also have a job sorted for when I'm done, my uncle is a structural engineer and has offices worldwide, plus i could always freelance.

    Many thanks
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    (Original post by Denzel89)
    Hello, and thanks for your reply that must have taken a while to write.

    I have been discharged from bankruptcy and released from all legal restrictions, i kept the business going and managed to stay away from any lasting financial obligations. I have since set up a ltd company and exclusively trade from within this.

    This was nearly two years ago, and as far as I'm concerned is a slightly embarrassing subject, albeit one of the best things i have ever done.

    I am thinking of getting year zero out of the way and, allowing myself to adjust to uni life and re-asses my living situation then.

    I do have savings, and plan to have a substantial sum by the time u start in sept, at least enough to live a decentish life without working for a few years. (depending on living situation)

    Im not so worried of financials more the "you bloody idiot daniel, why didn't you did this years ago" aspect, the feeling of another 5 years of struggle, but in reality it isn't going to be its the terminal anxious chimp in my mind that runs riot from time to time.

    I also have a job sorted for when I'm done, my uncle is a structural engineer and has offices worldwide, plus i could always freelance.

    Many thanks
    Your thinking is a bit unclear. Keep it simple and break down the questions. Ive tried to address them as they present, but ofc its on limited information.

    If you have money, just go and live in hall for a year to get the uni experience. Go somewhere people dont know you and you can leave your baggage behind and rethink.

    You cnat change the past, so this idea about beating yourself up for not doing it 5 years ago is pointless. You might regret it now for not doing it at all or you might learn you can appreciate it better as a mature student or you might hate it. Of you havent got to worry about a job when you leave then your only issue is to woprk hard, do small jobs from contacts and maybe take one of the summers off to do traveling. This is a chance to be free and recover. Uoi dont need much money to live, chill out and take a break.
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    (Original post by 999tigger)

    You cnat change the past, so this idea about beating yourself up for not doing it 5 years ago is pointless. You might regret it now for not doing it at all or you might learn you can appreciate it better as a mature student or you might hate it. Of you havent got to worry about a job when you leave then your only issue is to woprk hard, do small jobs from contacts and maybe take one of the summers off to do traveling. This is a chance to be free and recover. Uoi dont need much money to live, chill out and take a break.
    Great advice

    Thanks
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    So what's your conclusion OP ?

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    Stop stressing about nothing and get on with it!

    Im the sort of guy that resists things but when I'm forced to do it wether by myself or by others i almost instantly feel as though....."damm i should of done this years ago...this is great!"

    Im pretty sure (subject to an offer) this is how i will feel in september.

    Thinking bigger picture
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    Well goodluck! Keep us updated.

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    (Original post by AsandaLFC)
    Well goodluck! Keep us updated.

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    Hello, me again.....

    I bumped into a friend today in booths and we were just chatting about me going to uni and stuff....

    He reckons that i should be able to change my course after the foundation year if i really think its not for me?

    I do have another subject that interests me more than the engineering, but I've read its a "mickey mouse degree" so i didn't pursue it.

    What do you think, how does this work with funding etc?
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    (Original post by AsandaLFC)
    Well goodluck! Keep us updated.

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    I thought id update this for the benefit of anyone else in a similar position....im here at uni, and after some pre-enrolment worries things are going ok!!
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    Hey Denzel,
    how are you finding the course and in particular the work load?
    Is the work taxing?
 
 
 
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