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Should I go abroad or stay in the UK for university

This post is likely to be long, so I thank you in advance for taking time to read it.

For the past 2 years I have been saving up for uni (I can't take student loans for religious reasons due to the interest they come with, so unless sharia compliant loans get introduced soon as they have been promised, I am going to fund my degree myself), I will disclose what kind of money I am dealing with to make things easier to understand. I got accepted for an MEng, but I might do the BEng for 3 years and maybe do my masters in engineering separately, to give me time to get funding.

I have 4 months to go before uni starts and I am on track to having £14,000-£15,000 saved up, I know that's not gonna be enough to cover tuition and expenses for a year, rent is going to cost me around £7,600 a year, I can get an income assessed bursary from my uni of ~£2,700 , and I was planning on working part time while I was there (If I work about 8-10hrs a week I could make £3,000-£6,000 a year, I could make more if I work more hrs during breaks and summer holidays, the thing is that I am not guaranteed to find a job so I have to put an asterisk here).

So I did the maths and I estimated that I will need around 18,700 at least for the first year, in the second year I intend to look for a cheaper place to live and I could save more money that way.

If I am optimistic, and I split my savings so that I allocate 5k each year for 3 years, and I manage to make another 5k a year from a part time job, thanks to the uni bursary I would get an extra 2.7k, I would still be £6,000 short...

I applied to a scholarship from one of the colleges at the uni, and I could be awarded £5,000 each year, the thing is of course I am not guaranteed to get it. (I should find out in a couple of weeks)

I applied to the QUEST scholarship and I could get 8k over the course of my studies (so about £2666/year) + a paid internship every summer. (I will find out if I have been successful after September)

I am going to apply to the yet another scholarship where I could be awarded 9k each year (I will find out if I've been successful in august/September)

I am also applying for the Black hearth foundation - I don't know how much money they might give me (and I will find out about the outcome only after term has started)

So assuming I get awarded all the scholarships I applied to (in the very best case scenario) I could get ~16k, with my savings, the uni bursary, and potential income from a part time job that would come to a total of 24k-29k every year, even if I get one or two if the scholarships I should be in a decent position.

But that's the thing I could get rejected from ALL the scholarships I applied to, this is why for a while I have been considering a plan B: going back to Italy to study.

I grew up there and I have citizenship and an Italian passport. I was looking to apply to the Politecnico di Milano, the deadline to apply is on about 2/3 weeks, and I know I will have to take an admission test of some sort, uni there is considerably cheaper, I need to do more research, but from what I could find I wouldn't be paying more than 4k for tuition (and from what I understand I could end up paying significantly less), rent is also significantly cheaper compared to here, I found I nice en suit room for around 3k euros a year, I could make it with my saving alone and some income from a part time job.

The thing is, I am not 100% sure I want to go back to Italy to study, I've been here in the UK for 5 years, and I know feel at home here, I made the best friendships of my life here, and I really see myself staying here, I visited Italy every year since I moved, last time I visited was a month ago and that's when I got to see the Politecnico di Milano, I really liked it. But the more time passes the less Italy feels like "home". I also have lots of family members living here in the UK. Also I prefer the way the course is structure in the UK university I chose, and I was actually looking forward to start.

But I think that is just me being too sentimental, I can always come and visit family and friends during breaks and I would be studying there for 3 years and it could be worth it if I can save that much money.

Of course I still need to inform myself better on the whole application process and there is not much time left, and of course I am not guaranteed to get in.


Any help and advice would be greatly appreciated.

Reply 1

Original post
by MidnightModule
This post is likely to be long, so I thank you in advance for taking time to read it.
For the past 2 years I have been saving up for uni (I can't take student loans for religious reasons due to the interest they come with, so unless sharia compliant loans get introduced soon as they have been promised, I am going to fund my degree myself), I will disclose what kind of money I am dealing with to make things easier to understand. I got accepted for an MEng, but I might do the BEng for 3 years and maybe do my masters in engineering separately, to give me time to get funding.
I have 4 months to go before uni starts and I am on track to having £14,000-£15,000 saved up, I know that's not gonna be enough to cover tuition and expenses for a year, rent is going to cost me around £7,600 a year, I can get an income assessed bursary from my uni of ~£2,700 , and I was planning on working part time while I was there (If I work about 8-10hrs a week I could make £3,000-£6,000 a year, I could make more if I work more hrs during breaks and summer holidays, the thing is that I am not guaranteed to find a job so I have to put an asterisk here).
So I did the maths and I estimated that I will need around 18,700 at least for the first year, in the second year I intend to look for a cheaper place to live and I could save more money that way.
If I am optimistic, and I split my savings so that I allocate 5k each year for 3 years, and I manage to make another 5k a year from a part time job, thanks to the uni bursary I would get an extra 2.7k, I would still be £6,000 short...
I applied to a scholarship from one of the colleges at the uni, and I could be awarded £5,000 each year, the thing is of course I am not guaranteed to get it. (I should find out in a couple of weeks)
I applied to the QUEST scholarship and I could get 8k over the course of my studies (so about £2666/year) + a paid internship every summer. (I will find out if I have been successful after September)
I am going to apply to the yet another scholarship where I could be awarded 9k each year (I will find out if I've been successful in august/September)
I am also applying for the Black hearth foundation - I don't know how much money they might give me (and I will find out about the outcome only after term has started)
So assuming I get awarded all the scholarships I applied to (in the very best case scenario) I could get ~16k, with my savings, the uni bursary, and potential income from a part time job that would come to a total of 24k-29k every year, even if I get one or two if the scholarships I should be in a decent position.
But that's the thing I could get rejected from ALL the scholarships I applied to, this is why for a while I have been considering a plan B: going back to Italy to study.
I grew up there and I have citizenship and an Italian passport. I was looking to apply to the Politecnico di Milano, the deadline to apply is on about 2/3 weeks, and I know I will have to take an admission test of some sort, uni there is considerably cheaper, I need to do more research, but from what I could find I wouldn't be paying more than 4k for tuition (and from what I understand I could end up paying significantly less), rent is also significantly cheaper compared to here, I found I nice en suit room for around 3k euros a year, I could make it with my saving alone and some income from a part time job.
The thing is, I am not 100% sure I want to go back to Italy to study, I've been here in the UK for 5 years, and I know feel at home here, I made the best friendships of my life here, and I really see myself staying here, I visited Italy every year since I moved, last time I visited was a month ago and that's when I got to see the Politecnico di Milano, I really liked it. But the more time passes the less Italy feels like "home". I also have lots of family members living here in the UK. Also I prefer the way the course is structure in the UK university I chose, and I was actually looking forward to start.
But I think that is just me being too sentimental, I can always come and visit family and friends during breaks and I would be studying there for 3 years and it could be worth it if I can save that much money.
Of course I still need to inform myself better on the whole application process and there is not much time left, and of course I am not guaranteed to get in.
Any help and advice would be greatly appreciated.

Hey!

Here's how I would go about breaking it down:

Finances & Scholarships
You’ve done a really good job of realistically mapping out your finances, accounting for best-case and worst-case scenarios. Since you’re waiting to hear back from a number of scholarships, I think it would make sense to:
1) Continue with your UK plan for now, while keeping Plan B (Italy) as a solid backup.
2) Track application deadlines and admission requirements for Politecnico di Milano, so you don't miss your window if you decide to pivot later in the summer.
3) Start looking early for part-time jobs near your campus, and keep CVs and cover letters ready. Even if you don’t have one locked down before term starts, having things prepared can give you a head start.

UK vs Italy
I can see that you’re in a tough spot emotionally, feeling torn between a place that feels like home and a more financially viable option abroad. That’s completely understandable and was the same for me as I chose to leave Ireland to pursue my masters in the UK. Here are a few things to consider:

If your heart is set on the UK and it's only a potential financial gap holding you back, then waiting on scholarship outcomes might be worth it

If you’re really worried about the financial pressure and sustainability, then Italy becomes very appealing. You could always return to the UK for your Master's or later work opportunities?

Studying in Italy doesn’t mean losing your UK ties remember!


Consider preparing a Plan A and Plan B timeline:

Plan A (UK route): Final dates you’ll wait until for scholarship decisions, job hunting plans, and contingency budgeting if you don’t get full funding etc

Plan B (Italy route): Application deadline, what documents you need, admission test info, housing options, and part-time work opportunities etc


You’re doing everything right and in the end, you’ll make the right decision for you, and I'm sure either path has the potential to lead you to a great outcome. Just make sure you keep your support system in the loop and reach out for help (from the uni, advisors, friends, family etc) whenever needed.

I hope that this helps you!!

Gemma
Official LJMU Student Rep

Reply 2

Original post
by LJMUStudentReps
Hey!
Here's how I would go about breaking it down:
Finances & Scholarships
You’ve done a really good job of realistically mapping out your finances, accounting for best-case and worst-case scenarios. Since you’re waiting to hear back from a number of scholarships, I think it would make sense to:
1) Continue with your UK plan for now, while keeping Plan B (Italy) as a solid backup.
2) Track application deadlines and admission requirements for Politecnico di Milano, so you don't miss your window if you decide to pivot later in the summer.
3) Start looking early for part-time jobs near your campus, and keep CVs and cover letters ready. Even if you don’t have one locked down before term starts, having things prepared can give you a head start.
UK vs Italy
I can see that you’re in a tough spot emotionally, feeling torn between a place that feels like home and a more financially viable option abroad. That’s completely understandable and was the same for me as I chose to leave Ireland to pursue my masters in the UK. Here are a few things to consider:

If your heart is set on the UK and it's only a potential financial gap holding you back, then waiting on scholarship outcomes might be worth it

If you’re really worried about the financial pressure and sustainability, then Italy becomes very appealing. You could always return to the UK for your Master's or later work opportunities?

Studying in Italy doesn’t mean losing your UK ties remember!

Consider preparing a Plan A and Plan B timeline:

Plan A (UK route): Final dates you’ll wait until for scholarship decisions, job hunting plans, and contingency budgeting if you don’t get full funding etc

Plan B (Italy route): Application deadline, what documents you need, admission test info, housing options, and part-time work opportunities etc

You’re doing everything right and in the end, you’ll make the right decision for you, and I'm sure either path has the potential to lead you to a great outcome. Just make sure you keep your support system in the loop and reach out for help (from the uni, advisors, friends, family etc) whenever needed.
I hope that this helps you!!
Gemma
Official LJMU Student Rep


Thank you so much for the valuable advice. This really helped me see things more clearly and gave me hope.

Following your advice I think that if I get rejected from the college scholarship (5k a year) AND the QUEST scholarship (since I should find out about the outcomes of those around mid-june) I will hard pivot to the Italy-plan: without those 2 sources of funding I would be left with only the 2 scholarships that I will find out the outcome of only AFTER term starts, and in the eventuality of me not getting either of them things would be REALLY bad. And I don’t feel like risking it. Also you are right, I could come back for a masters, that is reassuring me.

Thanks again!
(edited 10 months ago)

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