The Student Room Group

Student finance and universal credit

Hello, I’m wondering is universal credit and child benefit counted as income for student finance

Reply 1

Hi there. We don't take these into account for student income. We only take taxable unearned income into account. Thanks, Leah.

Reply 2

Original post by Leah SLC
Hi there. We don't take these into account for student income. We only take taxable unearned income into account. Thanks, Leah.

So I’m 21, a had a baby in my year out, and moved in with my partner(21) who is also a student but doesn’t have any student finance. So just for clarity, when we are asked about income are you saying universal credit and child benefit shouldn’t be declared as income? Only taxable unearned income(like money from relatives every month) ?

Reply 3

Original post by Boo675
So I’m 21, a had a baby in my year out, and moved in with my partner(21) who is also a student but doesn’t have any student finance. So just for clarity, when we are asked about income are you saying universal credit and child benefit shouldn’t be declared as income? Only taxable unearned income(like money from relatives every month) ?

I’m just asking as I’m trying to understand how we would be assessed next year as I’m living with my partner and we have a child (even though we are under 25) doesn’t that make us independent students and our household income would be assessed as a family. We are on universal credit at the moment and then relatives support us monthly to help during this (with rent etc) as I can’t work and my partner is at uni but doesn’t get a maintenance loan(he’s Irish) so I’m just trying to understand what would be counted as income.

The money we get from relatives monthly shouldn’t be taxed as it’s from their wages which are already taxed right?

I appreciate your time and I look forward to your reply

Reply 4

Original post by Boo675
I’m just asking as I’m trying to understand how we would be assessed next year as I’m living with my partner and we have a child (even though we are under 25) doesn’t that make us independent students and our household income would be assessed as a family. We are on universal credit at the moment and then relatives support us monthly to help during this (with rent etc) as I can’t work and my partner is at uni but doesn’t get a maintenance loan(he’s Irish) so I’m just trying to understand what would be counted as income.
The money we get from relatives monthly shouldn’t be taxed as it’s from their wages which are already taxed right?
I appreciate your time and I look forward to your reply

Meant to say the money wouldn’t be counted as income as the money has already been taxed and given to us ?

Reply 5

Hi there,

Are you and your partner married? Do you mean for the 2025/26 academic year?

Thanks, Drew

Reply 6

Original post by Drew SLC
Hi there,
Are you and your partner married? Do you mean for the 2025/26 academic year?
Thanks, Drew

No we are not married but we live together and have a child together and we are both under 25

Reply 7

Hi there, based on the information you have provided, we would be looking to assess you as an independent student (as you have a child & are under 25), we will not require any of your partner's financial information for the assessment based on your age. Thanks, Stephen.

Reply 8

Original post by Stephen SLC
Hi there, based on the information you have provided, we would be looking to assess you as an independent student (as you have a child & are under 25), we will not require any of your partner's financial information for the assessment based on your age. Thanks, Stephen.

Ok but my partner and I are on a UC joint claim and he doesn’t earn money and neither do I so for income do I put 0 as Univeral credit isn’t counted as income?

Reply 9

Original post by Boo675
Ok but my partner and I are on a UC joint claim and he doesn’t earn money and neither do I so for income do I put 0 as Univeral credit isn’t counted as income?

Hi there, yes, you would put 0 if you have no taxable benefits. Thanks, Jason

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