What are your thoughts on household based maintenance loan???

I see your point, but my last point still stands.

The idea of ‘poorer’ students being entitled to extra maintenance loan stems from the fact that whilst a middle class student for example, would be able to afford at least money to commute to their university, or buy a set of books and stationary or whatever small expenses it may be, a ‘poorer’ student would not be able to afford even that (and if a middle class student couldn’t afford small expenses then I’d hardly count them as middle class).

It's not so much the can't afford its the side of having to ask your parents for money to pay for your bills, food, everything really and then feeling guilty about it.
I think it'd be better to offer the max loan to all students

yeah a debate but you're simply saying they should with no reasoning if you get what I mean.

Charging greater interests on the loan would ensure that only those who absolutely need it will use it, and theres no real evidence saying the country cant afford that

Isnt that because its the responsibility of the parents who earn more and can choose whether to spend it on children or not?

I understand where you’re coming from but you could just get a part-time job? Poorer students have to get jobs too, it’s not like they have everything covered.

how is that possibly fair, I'm not saying take away money from those who need it. I'm simply suggesting offer the maximum maintenance loan to all students so those in the middle can take what they need without having a financial burden to their parents.
The attitude that just because your parents can pay for it they should is simply wrong imo

well they cant, private schools offer scholarships and discounts. I don't see why everyone is so against it?
Its not my money its my parents and therefore surely I should be allowed to have that choice on receiving the full maintenance loan because right now my loan doesn't even cover my accommodation, and the maintenance loan is supposed to cover both accommodation and living costs -.-

Oh get off Anonymous if you are so sure that what you are saying makes sense, which it doesn't by the way. No real evidence that the country is short of money and about to be even more so?

I dont think student loans would have that sort of negative impact to the economy immediately, the more concerning aspect is how many people don't end up paying their loans and create more unpaid debt.

Because they earn much more.
You go to private school. How much a year is that?
Why do your parents send you to private schools?
Your parents can do that because they have the income and choice where to spend it.
Poorer people have no choice and end up going to some very poor state schools.

a part time job to cover like 4k in costs though, seems like a bit of stretch. Like I get why it's graded and I kinda agree with it, but it does leave a bunch of people out. Dunno, maybe there should be another loan with higher interests/have to pay back sooner etc. which people with higher household incomes can take to supplement hte existing maintenance loan

I hope you're not studying Economics at uni

People who get scholarships to private schools etc will generally have parents who earn less than the typical private school student, so their maintenance loan will be higher. It’s got nothing to do with what type of school you got to

Sure, but now you’re just assuming that ‘poorer’ students don’t have to cover a gap in costs too.

For example, let’s say a middle class student has recently been given a lovely new laptop from their parents as a gift for getting amazing A Level grades (or just because richer people generally can afford newer gadgets) which is absolutely fine.

Then you have the poorer student whose been struggling on a 7 year old laptop which is half way through the doors of death.
So when the maintenance loan comes through, the poorer student might get a bit more, but that extra money is essentially going to be used to get the basics that the middle class student already has (in this very, very basic example, that would be buying a new laptop that could adequately function for universities purposes).
This is why the maintenance loan is graded. The poorer students aren’t being given an advantage, they’re simply being put on a level playing field.

Again I had a scholarship,
Those less unfortunate kids get the max maintenance loan and that is completely fine,
Im arguing that it should be offered to ALL students so they dont have to be a financial burden to their parents

Sure, but now you’re just assuming that ‘poorer’ students don’t have to cover a gap in costs too.

For example, let’s say a middle class student has recently been given a lovely new laptop from their parents as a gift for getting amazing A Level grades (or just because richer people generally can afford newer gadgets) which is absolutely fine.

Then you have the poorer student whose been struggling on a 7 year old laptop which is half way through the doors of death.
So when the maintenance loan comes through, the poorer student might get a bit more, but that extra money is essentially going to be used to get the basics that the middle class student already has (in this very, very basic example, that would be buying a new laptop that could adequately function for universities purposes).
This is why the maintenance loan is graded. The poorer students aren’t being given an advantage, they’re simply being put on a level playing field.