The Student Room Group

Doctoral loans - two questions

Hi there,
Background:
I will begin a PhD in September, and plan to apply for a doctoral loan when applications open next month. I have undergraduate student loans dating back to 1995-2000 (The reason for additional years is because I changed course). I have never reached the repayment threshold and have deferred every year. I've had confirmation last month that my deferment for the next 12 months has been accepted. Part of the debt has been sold off to HSL (4 loans), and part to Erudio (2 loans).
My daughter is in her 3rd year of a 4 year degree, so will still be at uni when I start. We expect our son to start uni the following year, so throughout the time I am studying we will also have a child at uni.

Questions:
1. I know applications for doctoral loans won't be open for another month or so, but I have been looking at the application process. When I clicked through to apply for a doctoral loan it said I couldn't apply because I was behind with payments towards an existing loan. I believe this is incorrect because I am in deferment and have not received anything to say that there are payments outstanding. How do I get this corrected?

2. I am wondering what effect it might have on applications for me to be receiving a loan at the same time as supporting applications for our children. My income will be a lot lower. Is the doctoral loan counted as income when I provide financial information for their applications?

Thank you
Jo

Reply 1

Hi JoRuth,

If you have arrears this can affect future applications for funding. We would need account access to check if you have arrears on your account. If this is not the case and you are confident that you do not have ad arrears balance I would advise making a paper application if you are not able to apply online.

We do not count doctoral loan income as income when supporting another application.

Thanks,
Calum

Reply 2

Thanks Calum that's helpful. I've now spoken to both HSL and Honours and both say there are no arrears on my account, but SFE still say my account shows there are arrears. HSL and Erudio are sending me emails confirming no arrears so that I can send these on to SFE.

Reply 3

Original post by JoRuth
Thanks Calum that's helpful. I've now spoken to both HSL and Honours and both say there are no arrears on my account, but SFE still say my account shows there are arrears. HSL and Erudio are sending me emails confirming no arrears so that I can send these on to SFE.

Hi Jo,

We don't have an email address. I would suggest applying on paper form when these open for 24/25 next month and then send a detailed cover letter explaining the situation and that both previous companies confirmed no arrears. You can enclose a copy of the emails with the letter and form.

Thanks,
Claire

Reply 4

Thanks Claire, I'll do that

Reply 5

Original post by JoRuth
Thanks Claire, I'll do that

You're welcome!
Have a nice day!
Thanks,
Claire

Reply 6

Hi there, I'm just filling in my doctoral loan application form on paper as advised above. Do I need to print all the pages that don't apply to me? Specifically I mean that having answered yes to Q4.2, it then advises to go to Q5, so pages 11-27 are not relevant. Can I just not print these pages? Thanks.

Reply 7

Original post by JoRuth
Thanks Calum that's helpful. I've now spoken to both HSL and Honours and both say there are no arrears on my account, but SFE still say my account shows there are arrears. HSL and Erudio are sending me emails confirming no arrears so that I can send these on to SFE.

Hi Jo, Yes,please send in the confirmation with the paper application. Thanks, Angela

Reply 8

Original post by Angela SFE
Hi Jo, Yes,please send in the confirmation with the paper application. Thanks, Angela

Hi there, thanks for responding, but this wasn't the question I just asked. I asked about whether I need to print and send all the blank pages in my application form?

Reply 9

Original post by JoRuth
Hi there, I'm just filling in my doctoral loan application form on paper as advised above. Do I need to print all the pages that don't apply to me? Specifically I mean that having answered yes to Q4.2, it then advises to go to Q5, so pages 11-27 are not relevant. Can I just not print these pages? Thanks.
This was my question

Reply 10

Original post by JoRuth
This was my question

Hi Jo, Apologies, your message has disappeared. Yes, all pages of the form are required to be returned. Thanks, Angela

Reply 11

Original post by Angela SFE
Hi Jo, Apologies, your message has disappeared. Yes, all pages of the form are required to be returned. Thanks, Angela

Ok so I have to print out 16 pages that I'm not required to fill in?

Reply 12

Original post by JoRuth
Ok so I have to print out 16 pages that I'm not required to fill in?

Hi Jo, Yes, that is correct. The require the full form to be returned for audit purposes. Thanks, Angela

Reply 13

I would really rather apply online. The fact that I have been told I have to apply on paper is due to administrative errors in your systems. Can I please send in the evidence that I am not in arrears, to try and get the system corrected to allow me to apply online?

Reply 14

Original post by JoRuth
I would really rather apply online. The fact that I have been told I have to apply on paper is due to administrative errors in your systems. Can I please send in the evidence that I am not in arrears, to try and get the system corrected to allow me to apply online?

Hi Jo, We would need to evidence to be provided with the paper form to ensure that all of the information is updated correctly. You can call us and we can arrange the form to be sent to you via post instead of you printing all pages. Thanks, Angela

Quick Reply