Hey there! Sign in to join this conversationNew here? Join for free

I can't afford university... Watch

Announcements
    • Thread Starter
    Offline

    3
    ReputationRep:
    Okay so I am set on being a child's nurse I have worked hard to get the grades and am hoping to be accepted however I have looked into accommodation and even with my maintenance loan I would be £200 short for shared bedroom accommodation! My parents earn over the limit so I am not entitled to anything else however they are also not going to help me out financially at all. Living at home is not an option as all the uni's are way too far from where I live. I already work now and plan to work through the summer to save however because of my course I have been told I will be unable to work? I'm really stuck on what to do, I am desperate to do this course but I don't get how if I cannot afford accommodation let alone food....and I would still like to have some sort of life and be able to go out for a drink every so months....Thanks guys
    Offline

    13
    ReputationRep:
    (Original post by abbiealexander20)
    Okay so I am set on being a child's nurse I have worked hard to get the grades and am hoping to be accepted however I have looked into accommodation and even with my maintenance loan I would be £200 short for shared bedroom accommodation! My parents earn over the limit so I am not entitled to anything else however they are also not going to help me out financially at all. Living at home is not an option as all the uni's are way too far from where I live. I already work now and plan to work through the summer to save however because of my course I have been told I will be unable to work? I'm really stuck on what to do, I am desperate to do this course but I don't get how if I cannot afford accommodation let alone food....and I would still like to have some sort of life and be able to go out for a drink every so months....Thanks guys
    Defer any offer you get, take a gap year, work and save up, and go to uni a year later.
    Offline

    18
    ReputationRep:
    (Original post by abbiealexander20)
    Okay so I am set on being a child's nurse I have worked hard to get the grades and am hoping to be accepted however I have looked into accommodation and even with my maintenance loan I would be £200 short for shared bedroom accommodation! My parents earn over the limit so I am not entitled to anything else however they are also not going to help me out financially at all. Living at home is not an option as all the uni's are way too far from where I live. I already work now and plan to work through the summer to save however because of my course I have been told I will be unable to work? I'm really stuck on what to do, I am desperate to do this course but I don't get how if I cannot afford accommodation let alone food....and I would still like to have some sort of life and be able to go out for a drink every so months....Thanks guys
    Talk to your parents and tell them they are expected to pay... If that doesn't work get a job and work a year then said goodbye to your parents forever
    Offline

    12
    ReputationRep:
    Look at if any unis offer bursaries you may be Eligible for, in my first degree I got a bursary because I got good grades which I applied with.
    Also I personally use an overdraft. As a student it's 0% interest and I can now get one of up to £3,000. The only issue is to be aware that you do need to pay it back and interest will start when you leave uni, although myself like many others work on top of uni to pay this off as we go along.
    Only other thing I can think of is living in private accommodation. Halls is so expensive. Used to pay £104 a week in halls and this was the rubbish 'budget' halls which resemble a prison. My private place is £116 a month less which is over a grand a year difference. If you're really on a budget it's definitely something to think about!
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    17
    ReputationRep:
    If you are only £200 short, it might be worth looking for overtime at your current job. You could also ask friends or family (aside from your parents) for a small loan. I would also check if there are any bursaries available for your course which could help.

    You could also see if you have unused or unwanted items at home which you could sell - Facebook Marketplace, Amazon or Ebay - the money you get could contribute to your uni fund
    Online

    19
    ReputationRep:
    (Original post by Emz99)
    Talk to your parents and tell them they are expected to pay... If that doesn't work get a job and work a year then said goodbye to your parents forever
    It’s not that simple.

    As someone in a similar situation, a household income of £60k entitles me to around £3k maintenance loan. But it doesn’t take into account the fact my parents have no disposable income left for me to have. It’s not that they don’t want to help me, is that they can’t.
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    17
    ReputationRep:
    (Original post by FloralHybrid)
    It’s not that simple.

    As someone in a similar situation, a household income of £60k entitles me to around £3k maintenance loan. But it doesn’t take into account the fact my parents have no disposable income left for me to have. It’s not that they don’t want to help me, is that they can’t.
    Sorry I just don't believe this. They won't be feeding you at uni so they will save money. They won't need to wash your clothes or anything else they normally wash of yours - they save money. They won;t need to heat your room; they save money.

    They are not being fair ... or truthful.
    Online

    19
    ReputationRep:
    (Original post by Muttley79)
    Sorry I just don't believe this. They won't be feeding you at uni so they will save money. They won't need to wash your clothes or anything else they normally wash of yours - they save money. They won;t need to heat your room; they save money.

    They are not being fair ... or truthful.
    Yep, with the money they save from not feeding me is true.

    I’m in a family with 4 siblings. 2 currently share and will be moving into my room once I go to Uni. So the heated room remains. My clothes get washed in a bundle with others, that won’t change.

    They may be able to help me out with a few hundred pounds a year, sure. At most, 1k. But unless they cut back in other areas, they don’t have any money left over for me. It’s not about being untruthful.

    Let alone the fact that I don’t expect my parents to have to just give me money. The government should allow me to chose how much of a loan I want, because I physically can’t afford university without taking a year or two out and working full time.

    I shouldn’t *have* to make that choice.
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    17
    ReputationRep:
    (Original post by FloralHybrid)
    . My clothes get washed in a bundle with others, that won’t change..
    Of course it will, they will be doing fewer washes .. one fewer set of sheets and none of your clothes.
    It does make a difference - they can spare some money for you even if it's just what they are saving.
    Online

    19
    ReputationRep:
    (Original post by Muttley79)
    Of course it will, they will be doing fewer washes .. one fewer set of sheets and none of your clothes.
    It does make a difference - they can spare some money for you even if it's just what they are saving.
    Okay, yep. Pennies saved turns into pounds and it makes a difference. You’re more than right.

    But it doesn’t mean my parents are going to scrape together £7,000 a year. Which is about what I’ll need to live off, not include my maintenance loan.

    The fact remains, I’ll have to work full time before I can afford university.
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    11
    ReputationRep:
    Couch-surf comes to mind.
    Or see if companies will sponsor you to study at university, so you can afford to live in halls/ accommodation.
    Offline

    17
    ReputationRep:
    (Original post by FloralHybrid)
    Okay, yep. Pennies saved turns into pounds and it makes a difference. You’re more than right.

    But it doesn’t mean my parents are going to scrape together £7,000 a year. Which is about what I’ll need to live off, not include my maintenance loan.

    The fact remains, I’ll have to work full time before I can afford university.
    Why do you need £10 000? You can live on far less than that.
    Offline

    21
    ReputationRep:
    (Original post by FloralHybrid)
    Okay, yep. Pennies saved turns into pounds and it makes a difference. You’re more than right.

    But it doesn’t mean my parents are going to scrape together £7,000 a year. Which is about what I’ll need to live off, not include my maintenance loan.

    The fact remains, I’ll have to work full time before I can afford university.
    Your parents must be having some luxuries to be getting be hitting 0 at the end of every month with a household income of 60k ie takeaways, buying lunches out, expensive contract phones, buying clothes frequently, buying designer clothes etc

    even something like 1 takeaway a week for the 6 of you would be about the same as your food + social money at uni

    where are you going to uni? I dont know any student that needed 10k to live on unless they were spending stupid amounts of money and had expensive accommodation (except in london)

    You have a few options

    1. sit down with your parents to find out where you all as a family can make sacrifices on things so that they can give you a bit of help
    2. take a gap year and save some money
    3. if you truly need £10k to live on then apply to a uni where it is cheaper to live

    Also it is worth noting you wont have much time as a nursing student to do paid work as you dont get the long holidays that other students on different courses get (I think the 2 people who i live with that do nursing now got 3-4 weeks off across the whole year)


    Edit - I have just seen that you said your accommodation was £3200 (you said you got 3k loan?, I assume this includes bills btw), there is NO WAY you need £6800 to live on for everything else, £20 a week for food and £20 a week for social is only £2080 for a whole year
    Offline

    12
    ReputationRep:
    (Original post by abbiealexander20)
    Okay so I am set on being a child's nurse I have worked hard to get the grades and am hoping to be accepted however I have looked into accommodation and even with my maintenance loan I would be £200 short for shared bedroom accommodation! My parents earn over the limit so I am not entitled to anything else however they are also not going to help me out financially at all. Living at home is not an option as all the uni's are way too far from where I live. I already work now and plan to work through the summer to save however because of my course I have been told I will be unable to work? I'm really stuck on what to do, I am desperate to do this course but I don't get how if I cannot afford accommodation let alone food....and I would still like to have some sort of life and be able to go out for a drink every so months....Thanks guys
    Two thoughts. Which university are you looking at? Some cities are far cheaper to live in than others.

    Also, you don't need to go to university immediately. Check the rules for loans following a period of financial independence. I think its about three years. That could be a far better option than struggling to work and study at the same time.
    Offline

    12
    ReputationRep:
    (Original post by madmadmax321)
    Also it is worth noting you wont have much time as a nursing student to do paid work as you dont get the long holidays that other students on different courses get (I think the 2 people who i live with that do nursing now got 3-4 weeks off across the whole year)
    I disagree in regards to paid work. You don't have much holiday time I get 4 weeks summer, 2 Christmas and 1 Easter (standard time). But a lot of my cohort work and very hard because we're mature/ independent students and have no choice. I'm savvy with how I work, I'm on the nurse bank and I'll do 2 Saturday night shifts at +44/88% and 2 twilight at +44% and can take home around £450 a month, but it's tough on top of placement. In fact whilst on placement many of my friends have 1 or less days off a week. I personally also worked evenings after a community shift at my second job and I also worked Christmas Eve, day, Boxing Day, nye and ny day last year all to fund uni. So actually we work a heck of lot. I guess I wanted to make the point that 1. We don't have much time but we still work due to necessity and it is totally possible and 2. It's the reality of the course and uni in general. I can't get by on my grant alone, have 0 parental support and rely on work and an overdraft. But it's worth it to do what you love and those great moments on placement, uni or with colleagues makes it so worth it.
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    21
    ReputationRep:
    (Original post by Swagio)
    I disagree in regards to paid work. You don't have much holiday time I get 4 weeks summer, 2 Christmas and 1 Easter (standard time). But a lot of my cohort work and very hard because we're mature/ independent students and have no choice. I'm savvy with how I work, I'm on the nurse bank and I'll do 2 Saturday night shifts at +44/88% and 2 twilight at +44% and can take home around £450 a month, but it's tough on top of placement. In fact whilst on placement many of my friends have 1 or less days off a week. I personally also worked evenings after a community shift at my second job and I also worked Christmas Eve, day, Boxing Day, nye and ny day last year all to fund uni. So actually we work a heck of lot. I guess I wanted to make the point that 1. We don't have much time but we still work due to necessity and it is totally possible and 2. It's the reality of the course and uni in general. I can't get by on my grant alone, have 0 parental support and rely on work and an overdraft. But it's worth it to do what you love and those great moments on placement, uni or with colleagues makes it so worth it.
    I can only go on what I have observed from my friends that do a nursing degree You can only do that work if it is there at the specific times that you can do so that can be an issue depending on where the op is but that is a good suggestion I guess

    I disagree that is it a reality of university in general
    Offline

    12
    ReputationRep:
    (Original post by madmadmax321)
    I can only go on what I have observed from my friends that do a nursing degree You can only do that work if it is there at the specific times that you can do so that can be an issue depending on where the op is but that is a good suggestion I guess

    I disagree that is it a reality of university in general
    A lot of student nurses work on the nurse bank as we can pick shifts and it's no bad pay if you do Saturday nights or Sundays.
    It's reality in my neck of the woods 😅 coming from a poorer background you can definitely be at a loss and need to work a lot.
    Thing with nursing too is a lot of us are older (never thought I'd use that term to describe myself lol), but means a lot of us have mortgages, pre uni loans, kids to support, child care costs and all those house running costs that seem to exist as you get older.
    But I guess it just shows there really are options and possibilities because that's the reality of uni for a lot of people, but we seem to manage it somehow!! Just! Haha.
    Posted on the TSR App. Download from Apple or Google Play
    Offline

    7
    ReputationRep:
    (Original post by FloralHybrid)
    It’s not that simple.

    As someone in a similar situation, a household income of £60k entitles me to around £3k maintenance loan. But it doesn’t take into account the fact my parents have no disposable income left for me to have. It’s not that they don’t want to help me, is that they can’t.
    It's almost like you middle class morons want to be in financial difficulty.
    Offline

    18
    ReputationRep:
    (Original post by FloralHybrid)
    Yep, with the money they save from not feeding me is true.

    I’m in a family with 4 siblings. 2 currently share and will be moving into my room once I go to Uni. So the heated room remains. My clothes get washed in a bundle with others, that won’t change.

    They may be able to help me out with a few hundred pounds a year, sure. At most, 1k. But unless they cut back in other areas, they don’t have any money left over for me. It’s not about being untruthful.

    Let alone the fact that I don’t expect my parents to have to just give me money. The government should allow me to chose how much of a loan I want, because I physically can’t afford university without taking a year or two out and working full time.

    I shouldn’t *have* to make that choice.
    Ye I agree with you the whole rule is stupid.

    (Original post by Muttley79)
    Why do you need £10 000? You can live on far less than that.
    How is it fair some people get like 6 grand a year some even 9 yet someone whose parents worked hard for their money maybe meaning they saw their child less or got to spend less time with them and paid even more tax their child gets ****ed over.

    (Original post by offsetWHOOP)
    It's almost like you middle class morons want to be in financial difficulty.
    Its low class people like you who get much more in loan then us
    Offline

    21
    ReputationRep:
    (Original post by Emz99)
    Ye I agree with you the whole rule is stupid.



    How is it fair some people get like 6 grand a year some even 9 yet someone whose parents worked hard for their money maybe meaning they saw their child less or got to spend less time with them and paid even more tax their child gets ****ed over.



    Its low class people like you who get much more in loan then us
    The same could be said for the other way round, why should students who come from a poorer background have to borrow more money (so get in more debt) just because their parents earn less (and that doesnt mean they dont work as hard as people who earn more either)
 
 
 
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • Poll
    Will you be richer or poorer than your parents?
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

    Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

    Quick reply
    Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.