The Student Room Group

Mature BA Student 50+

53 year old male starting an Animation BA - nervous but excited too.

Been working as a librarian in public and academic libraries for 30 years - always had a sideline in the Arts. It was a big hurdle handing in notice but felt empowering and exciting too!

Could potentially self fund but discovered am eligible for a loan and seems OK terms (Martin Lewis Money Saving Expert says think of it more as a 9% tax payable when your earnings go over 25k)

Mainly doing it for me to bring together my creative interests and get them to a professional level - if work comes from it then that would be bonus.... but main reason is that I can finally say I gave it a go!

Initially I was worried about the age range but think it will be a family cooperative vibe much as in the workplace - main focus is on the work - sharing knowledge - learning form each other as well as from tutors.

Thoughts and advice welcome, anyone been through a similar experience?
Reply 1
First, congratulations on pursuing your interests for a career, a lot of people never take that plunge!

Is the loan through Student Finance England (or similar government body)? I always say that people should never think of those loans as being "proper" loans, because the repayment is so dependent on your earnings, and its not like the debt collectors will ever come round and start taking collateral. The repayments are pretty negligible too, definitely just like a small tax added on to your pay slip, so really nothing to worry about. If you can comfortably take the financial hit of self-funding then I guess that just removes the ongoing cost of repayment, but frankly I think the loan is the better option.

Anyway I'm not a mature student but I've done a BA and MA, and there have always been mature students on those courses. In my experience they integrate really well and can offer tremendous insight during discussions etc. My recommendation would be to take the initiative and strike up conversation first - I think younger students might be a bit intimidated by your age and wouldn't know how to approach you (more out of anxiety than rudeness), but if you just start talking, asking questions etc, all of that inhibition will drop.

On my BA there was a lawyer, somewhere between 40 and 50, who had been forced into law by his parents but had always wanted to study history, and had finally just decided to go for it. He kept on the sidelines for a bit, not quite sure whether anyone would want to talk to him, but pretty soon he was coming out for coffee with the rest of us, and eventually you stop noticing age differences altogether.
(edited 8 months ago)
good for you :smile:

I haven't done under graduate as mature student but I have done 3 Masters, in my 20s 30s and 40s - all very different experiences. If I had the time / interest I would love to go back to a taught degree because I love structured learning so much. Very envious here.

Being in your 50s you will probably be older than some of the academics, and likely get mistaken for staff on occasions. Can you find out the age distribution of your course from the Uni? Not that it would change your mind but it might be reassuring to know a few other mature students will be there.

What younger students might not realise (and I guess this might not be true for you though) is that my outside might look to be 50+ but I still think like a 30 year old (at most!) and don't accept that the old person in the mirror is me.

IME the hard part can be the thinking skills. I work as a part time academic and part of the challenge at Uni is about learning critical thinking. Young students are trying to figure this stuff out for the first time, mature students have to unlearn stuff we already think we know, so it can be rather harder - but that's the fun of HE, it forces you to open your mind and change yourself.
(edited 8 months ago)
Reply 3
Thanks for feedback, I was excited... but am struggling a bit to stay positive... late night reading through this, bit tired and feeling negative... a few weeks to go and starting to get cold feet...

Keep wondering how the £9000 annual fee is justified/ethical and how it represents value for money - particularly with long holidays and limited tuition time?

Now that I've resigned, I'm starting to think I will miss the comfort of my reasonably well paid rather dull job (despite the current unpleasant office dynamics)...

Worried I'm just going to feel a complete misfit in class and should hold on to my savings... (Expenses covered Student Finance England Loan, modest maintenance loan and some savings - maybe part time work/commissions down the line).

Perhaps I should just get a part time job and do evening/online courses to develop my talents (Plan B if Uni doesn't work out?)

Wish I knew the right way to go?

I suppose I won't know unless I try, I'm fortunate to be in a position to do so... and really do have some talents and abilities worth developing even at this stage of life.

Completely at odds with the rest of my family who are all high acheivers and have done well for themselves (although this really shouldn't matter or influence my decision)

It's just quite a big daunting prospect.

Will probably feel better about it in the morning. I guess others have been through versions of this?
(edited 8 months ago)
Reply 4
Original post by MIKON
Thanks for feedback, I was excited... but am struggling a bit to stay positive... late night reading through this, bit tired and feeling negative... a few weeks to go and starting to get cold feet...

Keep wondering how the £9000 annual fee is justified/ethical and how it represents value for money?

Starting to think I will miss the comfort of my reasonably well paid rather dull job (despite the current unpleasant office dynamics)...

Worried I'm just going to feel a complete misfit in class and should hold on to my savings... maybe just get a part time job and do evening/online courses to develop my talents (Plan B if Uni doesn't work out?)

Wish I knew the right way to go?

I suppose I won't know unless I try, I'm fortunate to be in a position to do so... and really do have some talents and abilities worth developing even at this stage of life.

It's just quite a big daunting prospect.

Totally understandable, but you've made this decision for a reason so try to focus on that and stay positive - if you don't, no one will do it for you.

As for the value of the course... I don't want to get too philosophical, but what exactly is "value" and how do you derive it?

If "value" only has a financial meaning to you, and you judge something's value according to how much financial benefit you will reap from any investment, then £27,000 is most definitely a large sum to pay for a course without a guaranteed job at the end of it, and in a sector which is (I assume) not fantastically well paid.

But I don't think the value of education can be thought of purely in those terms (and frankly I think the marketisation of the higher education sector is borderline criminal, but that's perhaps another topic for another time). How much personal satisfaction will you get from pursuing three years of training and experimentation in your passion, acquiring skills and knowledge that will enrich your life and bring you pleasure? That's the real value here, even if you never make any money from it.

The fact is, you could have stayed in a job that was clearly grinding you down, but you've chosen to make a change that could potentially bring you much more happiness. If it doesn't work, then you'll always have your previous employment and the skills from that to fall back on. But the point is you'll have had three years at least attempting the change, rather than wondering "what if?".

You should actually think of yourself as being in an incredibly privileged position. Most people have a dream job but never get to pursue it because their circumstances, financial obligations, or even their fears prevent them from doing it. You have that opportunity laid out before you - of course it's normal to be anxious about change, but just remember why you're doing it and give your all to making it work.
Going to Uni as a (mature) student is definitely more complex than simple cost benefit analysis - imo

My last Masters was in Coaching, I was thinking of going towards Exec Coaching as a next step in my career - as it happens that isn't what transpired, I ended up working as an academic for the Uni who taught me and growing a consulting business on the side because of connections made on the degree - neither as planned

Uni is always about more than what you will learn
(edited 8 months ago)
Reply 6
Original post by fedora34
Totally understandable, but you've made this decision for a reason so try to focus on that and stay positive - if you don't, no one will do it for you.

As for the value of the course... I don't want to get too philosophical, but what exactly is "value" and how do you derive it?

If "value" only has a financial meaning to you, and you judge something's value according to how much financial benefit you will reap from any investment, then £27,000 is most definitely a large sum to pay for a course without a guaranteed job at the end of it, and in a sector which is (I assume) not fantastically well paid.

But I don't think the value of education can be thought of purely in those terms (and frankly I think the marketisation of the higher education sector is borderline criminal, but that's perhaps another topic for another time). How much personal satisfaction will you get from pursuing three years of training and experimentation in your passion, acquiring skills and knowledge that will enrich your life and bring you pleasure? That's the real value here, even if you never make any money from it.

The fact is, you could have stayed in a job that was clearly grinding you down, but you've chosen to make a change that could potentially bring you much more happiness. If it doesn't work, then you'll always have your previous employment and the skills from that to fall back on. But the point is you'll have had three years at least attempting the change, rather than wondering "what if?".

You should actually think of yourself as being in an incredibly privileged position. Most people have a dream job but never get to pursue it because their circumstances, financial obligations, or even their fears prevent them from doing it. You have that opportunity laid out before you - of course it's normal to be anxious about change, but just remember why you're doing it and give your all to making it work.


Thank you for your very thoughtful and measured reply.
Reply 7
Original post by ChiefBrody
Going to Uni as a (mature) student is definitely more complex than simple cost benefit analysis - imo

My last Masters was in Coaching, I was thinking of going towards Exec Coaching as a next step in my career - as it happens that isn't what transpired, I ended up working as an academic for the Uni who taught me and growing a consulting business on the side because of connections made on the degree - neither as planned

Uni is always about more than what you will learn


Thanks, so in a way, it's those unexpected opportunities and benefits that one can't put a price on that really enhance the value and quality of the whole experience...
(edited 8 months ago)
Reply 8
By contrast, here's a rather negative and critical article:

"Young people are wising up to the Great British student rip-off and they’re voting with their feet"

https://www.theguardian.com/commentisfree/2023/apr/24/young-people-british-student-universities-exams#comment-162335514
Reply 9
Original post by MIKON
By contrast, here's a rather negative and critical article:

"Young people are wising up to the Great British student rip-off and they’re voting with their feet"

https://www.theguardian.com/commentisfree/2023/apr/24/young-people-british-student-universities-exams#comment-162335514


That's pretty typical of the guardian though, I wouldn't necessarily take it too seriously. I suspect the author, Simon Jenkins, wouldn't have chosen to go into industry rather than to the richest college at Oxford.

Most things are overvalued to be honest. You buy a car, the second you drive it off the forecourt its value is halved, you'll pay far more in road tax and MOT fees than you'll ever get back from it. But it serves a function and that's where its value comes from. Well university serves a function too - it offers an opportunity to engage fully with a subject you're passionate about, to meet other like-minded people and build connections, to approach a topic or a project in a critical and analytical way that is totally absent from most industries.... these things make you a better person, whether or not they bring you any financial benefit.
Reply 10
Hi I just wanted to post as I'm a mature student starting uni in a few weeks I'm 33 and terrified about being an outcast because of my age (which is completely insane, i know).
I'm going as i want to achieve something for myself. I had my 1st child at 16 and i feel like ive missed alot in terms of self development. Im a stay at home mom and my husband earns great money so I'm lucky enough to have this opportunity.
I've been told by my friend who started last year and is in her 40s that there are lots of people of different ages.
I'm just focusing on my goal and I definitely think you should too, if you have a talent 100% see how far you can take it.
Good luck.
Original post by MIKON
53 year old male starting an Animation BA - nervous but excited too.

Been working as a librarian in public and academic libraries for 30 years - always had a sideline in the Arts. It was a big hurdle handing in notice but felt empowering and exciting too!

Could potentially self fund but discovered am eligible for a loan and seems OK terms (Martin Lewis Money Saving Expert says think of it more as a 9% tax payable when your earnings go over 25k)

Mainly doing it for me to bring together my creative interests and get them to a professional level - if work comes from it then that would be bonus.... but main reason is that I can finally say I gave it a go!

Initially I was worried about the age range but think it will be a family cooperative vibe much as in the workplace - main focus is on the work - sharing knowledge - learning form each other as well as from tutors.

Thoughts and advice welcome, anyone been through a similar experience?

As above, wouldn't worry too much about the age thing. At any uni on any course you'll have students of a range of ages including mature students in their 30s, 40s, 50s, and even 60s and beyond! How far that might change your social experience really depends on you - the mature students I've known who tend to not engage with some of the "social" elements of uni so much did so out of choice (usually due to having their own family and friend circles in existence already so just approached the others on their course with friendliness as colleagues but were not so much looking for friends per se). Younger students are normally very happy to socialise with "mature" students of any age (and any that don't are too immature to be worth the time anyway!).

In terms of the funding situation would definitely recommend going with the SFE loan. It gets written off anyway either 40 years after you take them out or once you reach state pension age (I think 65 currently?) - whichever is soonest - and in the meantime you only make repayments when earning over the threshold and it's proportional to your income (just comes out of your paycheque along with NI contributions and income tax etc, all sorted by payroll if you're a PAYE worker - if you're self employed or a contractor you just need to make sure you declare earnings correctly when doing your tax returns I believe?). So definitely take out the max maintenance and tuition fee loans you are entitled to!

Original post by Brum2wolvo
Hi I just wanted to post as I'm a mature student starting uni in a few weeks I'm 33 and terrified about being an outcast because of my age (which is completely insane, i know).
I'm going as i want to achieve something for myself. I had my 1st child at 16 and i feel like ive missed alot in terms of self development. Im a stay at home mom and my husband earns great money so I'm lucky enough to have this opportunity.
I've been told by my friend who started last year and is in her 40s that there are lots of people of different ages.
I'm just focusing on my goal and I definitely think you should too, if you have a talent 100% see how far you can take it.
Good luck.

As above regarding the age thing, don't worry about it I would say :smile:
Reply 12
Original post by artful_lounger
As above, wouldn't worry too much about the age thing. At any uni on any course you'll have students of a range of ages including mature students in their 30s, 40s, 50s, and even 60s and beyond! How far that might change your social experience really depends on you - the mature students I've known who tend to not engage with some of the "social" elements of uni so much did so out of choice (usually due to having their own family and friend circles in existence already so just approached the others on their course with friendliness as colleagues but were not so much looking for friends per se). Younger students are normally very happy to socialise with "mature" students of any age (and any that don't are too immature to be worth the time anyway!).

In terms of the funding situation would definitely recommend going with the SFE loan. It gets written off anyway either 40 years after you take them out or once you reach state pension age (I think 65 currently?) - whichever is soonest - and in the meantime you only make repayments when earning over the threshold and it's proportional to your income (just comes out of your paycheque along with NI contributions and income tax etc, all sorted by payroll if you're a PAYE worker - if you're self employed or a contractor you just need to make sure you declare earnings correctly when doing your tax returns I believe?). So definitely take out the max maintenance and tuition fee loans you are entitled to!


As above regarding the age thing, don't worry about it I would say :smile:


Actually, to be clear the rules and conditions have changed slightly and the new loans, as of this year, are not written off at retirement.
Original post by MIKON
Actually, to be clear the rules and conditions have changed slightly and the new loans, as of this year, are not written off at retirement.


Ah I see, that's unfortunate. Although it's unclear if one would make repayments based on pension in that case....this (https://www.whatdotheyknow.com/request/pension_income_included_in_incom) FOIA states the following:

"Student Loan deductions and Occupational Pensions -
If you are in receipt of an occupational pension that is not subject to
Class 1 National Insurance Contribution (NIC) deductions, your pension
payer should not take any student loan deductions.
Student loan deductions should only be made from income that is subject to
Class 1 National Insurance Contributions at the point of payment. If you
are unsure what kind of pension you are being paid you should ask your
pension payer for information. The pension payer will however still have
to deduct income tax in the normal way. The only time an occupational
pension could attract student loan amounts would be if you are required to
complete an annual Self-Assessment (SA) Tax Return for HM Revenue &
Customs and the total of all your unearned income exceeds £2,000."

Occupational pensions (run through a borrower’s employer), private or
state pensions do not attract student loan deductions at source. However,
if a student loan borrower is in receipt of an occupational, private or
state pension and also completes a Self Assessment Tax Return the pension
will be subject to student loan deductions if they earn above the
threshold. Therefore, if a student loan borrower’s total income exceeds
£17,775 in the 2017/18 tax year (Plan 1) or £21,000 (Plan 2) a student
loan repayment will be due."

The gov.uk website specifically states that you don't make repayments if not working though: https://www.gov.uk/repaying-your-student-loan/when-you-start-repaying

So you might want to check with an accountant or something I guess?
(edited 7 months ago)
Reply 14
Original post by Brum2wolvo
Hi I just wanted to post as I'm a mature student starting uni in a few weeks I'm 33 and terrified about being an outcast because of my age (which is completely insane, i know).
I'm going as i want to achieve something for myself. I had my 1st child at 16 and i feel like ive missed alot in terms of self development. Im a stay at home mom and my husband earns great money so I'm lucky enough to have this opportunity.
I've been told by my friend who started last year and is in her 40s that there are lots of people of different ages.
I'm just focusing on my goal and I definitely think you should too, if you have a talent 100% see how far you can take it.
Good luck.


Hi, Just wanted to say good luck to you all starting uni as mature students...I started a BA in French and Spanish at 52 and I was the oldest on my course by a long way. I can't lie - the first term was difficult - everyone was making friends and I felt like I didn't belong...but I persevered and ended up making friends with some amazing students and loved studying (so much so that I'm now doing a PhD!). Focusing on your goal is key - and as Brum2wolvo says, you never know how far it will take you (I definitely didn't think I'd study past BA). Best of luck!

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