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    Hi,

    I am applying to go to university in 2017 but am a bit worried about my maintenance loan.

    I am 23 and live with my boyfriend, and have done for about a year and a half now. Before that we were living with his family. I also only earn around £6,500 a year as we split the bills.

    I need to get the full (or close to) loan in order to be able to live and travel but i am worried that SF will insist on taking in my parents income even though i do not live with them and i wont be able to afford to go.

    Im not sure of their income exactly but i know they sure as hell cant lend me money!

    Any advice/tips/help would be much appreciated
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    Are you still in contact with your parents?
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    (Original post by Tiger Rag)
    Are you still in contact with your parents
    i am, but havent lived with them for a long time. Come from a family of 7 and know they wont be able to afford to help with money :/
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    (Original post by Pixpix101)
    Hi,

    I am applying to go to university in 2017 but am a bit worried about my maintenance loan.

    I am 23 and live with my boyfriend, and have done for about a year and a half now. Before that we were living with his family. I also only earn around £6,500 a year as we split the bills.

    I need to get the full (or close to) loan in order to be able to live and travel but i am worried that SF will insist on taking in my parents income even though i do not live with them and i wont be able to afford to go.

    Im not sure of their income exactly but i know they sure as hell cant lend me money!

    Any advice/tips/help would be much appreciated
    Have you been supporting yourself financially for the past three years? Or just last 18 months?
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    (Original post by PumpkinPox)
    Have you been supporting yourself financially for the past three years? Or just last 18 months?
    I mean when we lived with my partners family it was renting a room essentially but i dont know how student finance would see that. Also as i earn less than £7,500 a year i dont think id qualify
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    (Original post by Pixpix101)
    I mean when we lived with my partners family it was renting a room essentially but i dont know how student finance would see that. Also as i earn less than £7,500 a year i dont think id qualify
    In order to apply apply as an independent student based self-support.

    You need to show 3 years financial self-support, it won't work with just 18 month self support. But if you've been doing this for 18 month only... then there is no point. As SFE will not accept anything less than 3 years. And £7,500 is pretty low :L.
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    (Original post by Pixpix101)
    I mean when we lived with my partners family it was renting a room essentially but i dont know how student finance would see that. Also as i earn less than £7,500 a year i dont think id qualify
    How much do you parent's earn per year? Do they work/are they on benefits?
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    My dad works and is on £33,000 a year and my mum is a stay at home mum. Do you think the fact that I don't live at home will impact it at all?

    I've done so much research the last few weeks my head is spinning but it seems like everywhere I look I get different answers. I really wish i'd just sorted this straight out of school, especially since i'd have been done by now! Haha
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    (Original post by Pixpix101)
    My dad works and is on £33,000 a year and my mum is a stay at home mum. Do you think the fact that I don't live at home will impact it at all?

    I've done so much research the last few weeks my head is spinning but it seems like everywhere I look I get different answers. I really wish i'd just sorted this straight out of school, especially since i'd have been done by now! Haha
    According to the SF calculator, https://www.gov.uk/student-finance-calculator, based on not living with parents, studying full-time outside London, a household income of £33,000 will entitle you to a £7258 Maintenance Loan. That's more than you earn now.

    Many students find that their loans don't cover all of their living costs - they aren"t intended to - and have to take on part-time work when parents can't help. It's not impossible.
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    (Original post by Klix88)
    According to the SF calculator, https://www.gov.uk/student-finance-calculator, based on not living with parents, studying full-time outside London, a household income of £33,000 will entitle you to a £7258 Maintenance Loan. That's more than you earn now.

    Many students find that their loans don't cover all of their living costs - they aren"t intended to - and have to take on part-time work when parents can't help. It's not impossible.
    Thats brilliant, thank you! As i share a 1 be flat i just needed enough to pay for my half of the rent/bills/council tax etc. As well as travel and other costs. Should i get that much in theory i should be fine! thats a weight off my shoulders!

    I will have to quit my current job due to the hours but once i get myself settled i have no problem with getting a part time job on the side.

    Thanks
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    As a full time student, you'd be exempt from council tax. Your uni can give you a certificate.
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    (Original post by Tiger Rag)
    As a full time student, you'd be exempt from council tax. Your uni can give you a certificate.
    If sharing a property wth a non-student there will be a reduction rather than no Council Tax at all.
 
 
 
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