Debt in LLB Law
Hi, I need some advice about university.
I am the first person in my family to go to university, and that too in the UK. I have literally no idea about what the university life entails. I want to do Law.
I can't afford to pay £9250 a year so after 2 gap years decided that I will have to go to university after all. I will be in a lot of debt.
Also, considering that I may have to move away from my current city to the city my university is in, I will have to get a maintenance loan to cover my rent, food, etc...
And a career in law doesn't just require a bachelors, I will also have to do a Masters or the SQE/BPC, meaning more debt. I don't think funding is possible for BPC.
Not to mention a good paying job isn't guaranteed after much struggle. So I will have spent 5 years studying and drowning in debt before I even start my career.
Should I as a working class person just forget about university and get a job. And before you say apply for apprenticeships. I did. And a lot of them. Most companies wouldn't consider me as they would hire internal candidates and I on top also had extenuating circumstances at A Level so I don't meet typical requirements.
Should I just get a job in the civil service instead? At least in the 5 years I would have spent in university, I can focus on increasing my salary in those five years. After completing a 5 year degree, my starting salary would be the same if not less than someone who didn't go to university. Of course, graduates are in a position to technically earn more but this isn't the case anymore.
I am the first person in my family to go to university, and that too in the UK. I have literally no idea about what the university life entails. I want to do Law.
I can't afford to pay £9250 a year so after 2 gap years decided that I will have to go to university after all. I will be in a lot of debt.
Also, considering that I may have to move away from my current city to the city my university is in, I will have to get a maintenance loan to cover my rent, food, etc...
And a career in law doesn't just require a bachelors, I will also have to do a Masters or the SQE/BPC, meaning more debt. I don't think funding is possible for BPC.
Not to mention a good paying job isn't guaranteed after much struggle. So I will have spent 5 years studying and drowning in debt before I even start my career.
Should I as a working class person just forget about university and get a job. And before you say apply for apprenticeships. I did. And a lot of them. Most companies wouldn't consider me as they would hire internal candidates and I on top also had extenuating circumstances at A Level so I don't meet typical requirements.
Should I just get a job in the civil service instead? At least in the 5 years I would have spent in university, I can focus on increasing my salary in those five years. After completing a 5 year degree, my starting salary would be the same if not less than someone who didn't go to university. Of course, graduates are in a position to technically earn more but this isn't the case anymore.
University does not have to be seen (and I suggest should not be seen) purely in terms of a route to a career. University can be life enhancing in immeasurable ways. The opportunity to study a subject (any subject) in depth for three or four years may be worth taking. University can be a time for personal growth, and also for the making of friendships that may last a lifetime.
No degree (not even medicine) guarantees a job, but most graduates in rigorous subjects from reputable universities find a career. The career may or may not relate to the subject studied at university.
The repayment of a student loan is in effect a graduate tax, payable when your income reaches a certain level.
It is sometimes possible to obtain some funding for postgraduate professional courses, such as the SQE and the Bar course.
You might perhaps look into careers in the Government Legal Department.
Good luck, whatever you decide to do.
No degree (not even medicine) guarantees a job, but most graduates in rigorous subjects from reputable universities find a career. The career may or may not relate to the subject studied at university.
The repayment of a student loan is in effect a graduate tax, payable when your income reaches a certain level.
It is sometimes possible to obtain some funding for postgraduate professional courses, such as the SQE and the Bar course.
You might perhaps look into careers in the Government Legal Department.
Good luck, whatever you decide to do.
(edited 6 months ago)
Most of A level students apply for student finance on the government website. This is where you take out a loan from the government and while you are in university, they pay the £9250. After you have left university, a small payment will be deducted from your paychecks once you are earning a certain amount. Alot of, if not every student does this so dont worry at all.
(edited 6 months ago)
Original post by courtcraze
Hi, I need some advice about university.
I am the first person in my family to go to university, and that too in the UK. I have literally no idea about what the university life entails. I want to do Law.
I can't afford to pay £9250 a year so after 2 gap years decided that I will have to go to university after all. I will be in a lot of debt.
Also, considering that I may have to move away from my current city to the city my university is in, I will have to get a maintenance loan to cover my rent, food, etc...
And a career in law doesn't just require a bachelors, I will also have to do a Masters or the SQE/BPC, meaning more debt. I don't think funding is possible for BPC.
Not to mention a good paying job isn't guaranteed after much struggle. So I will have spent 5 years studying and drowning in debt before I even start my career.
Should I as a working class person just forget about university and get a job. And before you say apply for apprenticeships. I did. And a lot of them. Most companies wouldn't consider me as they would hire internal candidates and I on top also had extenuating circumstances at A Level so I don't meet typical requirements.
Should I just get a job in the civil service instead? At least in the 5 years I would have spent in university, I can focus on increasing my salary in those five years. After completing a 5 year degree, my starting salary would be the same if not less than someone who didn't go to university. Of course, graduates are in a position to technically earn more but this isn't the case anymore.
I am the first person in my family to go to university, and that too in the UK. I have literally no idea about what the university life entails. I want to do Law.
I can't afford to pay £9250 a year so after 2 gap years decided that I will have to go to university after all. I will be in a lot of debt.
Also, considering that I may have to move away from my current city to the city my university is in, I will have to get a maintenance loan to cover my rent, food, etc...
And a career in law doesn't just require a bachelors, I will also have to do a Masters or the SQE/BPC, meaning more debt. I don't think funding is possible for BPC.
Not to mention a good paying job isn't guaranteed after much struggle. So I will have spent 5 years studying and drowning in debt before I even start my career.
Should I as a working class person just forget about university and get a job. And before you say apply for apprenticeships. I did. And a lot of them. Most companies wouldn't consider me as they would hire internal candidates and I on top also had extenuating circumstances at A Level so I don't meet typical requirements.
Should I just get a job in the civil service instead? At least in the 5 years I would have spent in university, I can focus on increasing my salary in those five years. After completing a 5 year degree, my starting salary would be the same if not less than someone who didn't go to university. Of course, graduates are in a position to technically earn more but this isn't the case anymore.
Hi,
As has already been said, a student loan is a common thing to obtain in order to go to university (few people have the means to pay straight out of pocket). You won't have to pay this sum back until you earn a certain amount and, often, you will never pay the full amount due to the interest rates etc. (it gets written off after a certain period). Of course it is important to consider whether such a loan would be a real struggle for you in the future, however, I think that in most situations people do manage the debt incurred by a degree.
In terms of jobs after university there is, of course, no guarantee of a high paying job. However, lots of high paying jobs do require a degree of some sort. Equally, university teaches you a plethora of skills which will really help when applying for jobs. For example, it makes you more confident in yourself, better at speaking to other people and also provides useful experience to be able to speak about on applications and interviews - all helping to achieve a higher paying job (or, more importantly, a job you want) in the end!
Having said all that, apprenticeships are a very common route and there are great opportunities that can be sought out from taking this direction. I would explore all of your options fully (maybe see if you can speak to a range of people who have taken different routes and work in different professions) before making your decision. Also, it is important to remember, a decision at this stage in your life is not final. So, if you end up making one that doesn't suit you perfectly, you can just redirect 🙂
I hope this helps and good luck!
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