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

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

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