Adult nursing

I have small kids and in my 30s work 36 hours a week relying on estranged husband to help out with kids when I’m working which he does thankfully seeing as I take them when he is working etc

But I start my nursing course in 2 months and Tbf it’s now or never! I have worked so hard to get the grades to get in and if I don’t pursue my goals now (I want to be a diabetic nurse) I will never ever bother

Is it manageable? I plan to take out the learning support fun and parental help none repayable funds which is like £7k I believe I will NOT be taking out the maintenance loan as I don’t believe I will ever pay this back but I will need to pay back to student tuition fees which is fine and standard

Can I claim universal credit? It’s a full time course and I will be working 1 12 hour shift a week as a flexible worker for my current job which will pay basic bills like council tax and water etc but I need help with rent and food, any ideas?

Reply 1

Kingston Sarah

Official Rep

Original post

by sharpened-saxoph

I have small kids and in my 30s work 36 hours a week relying on estranged husband to help out with kids when I’m working which he does thankfully seeing as I take them when he is working etc
But I start my nursing course in 2 months and Tbf it’s now or never! I have worked so hard to get the grades to get in and if I don’t pursue my goals now (I want to be a diabetic nurse) I will never ever bother
Is it manageable? I plan to take out the learning support fun and parental help none repayable funds which is like £7k I believe I will NOT be taking out the maintenance loan as I don’t believe I will ever pay this back but I will need to pay back to student tuition fees which is fine and standard
Can I claim universal credit? It’s a full time course and I will be working 1 12 hour shift a week as a flexible worker for my current job which will pay basic bills like council tax and water etc but I need help with rent and food, any ideas?

Hi,

Congratulations on getting the grades you need and starting a new endeavour 🥳.

Generally, students are not allowed to claim for universal credit but you may be eligible if you have children and is a single parent. On the other hand, I do recommend you apply to maintenance loan, it will significantly help you and once you qualify, it is not drastically taken out from your pay, rather slowly and is written off after 40 years if it hasn’t been paid off.

-Sarah (Kingston Rep)

Reply 2

heynowokay

Hi. We are possibly in a similar boat. I am also a single mother, who wants to be a diabetetic nurse. I personally have type 1 diabetes.

I hope to start university in September. I currently work as healthcare support worker. I heard how universal credit does pay some amount, whilst at uni. They however, deduct the full maintenance loan available. It doesn't matter if you take it or not. There is a button you can click when applying for the loan, so that universal credit disregard some money. I been told this by student nurses at work.

Reply 3

Mummy1102

Original post

by sharpened-saxoph

I have small kids and in my 30s work 36 hours a week relying on estranged husband to help out with kids when I’m working which he does thankfully seeing as I take them when he is working etc
But I start my nursing course in 2 months and Tbf it’s now or never! I have worked so hard to get the grades to get in and if I don’t pursue my goals now (I want to be a diabetic nurse) I will never ever bother
Is it manageable? I plan to take out the learning support fun and parental help none repayable funds which is like £7k I believe I will NOT be taking out the maintenance loan as I don’t believe I will ever pay this back but I will need to pay back to student tuition fees which is fine and standard
Can I claim universal credit? It’s a full time course and I will be working 1 12 hour shift a week as a flexible worker for my current job which will pay basic bills like council tax and water etc but I need help with rent and food, any ideas?

You can’t claim universal credit as a full time student

Reply 4

heynowokay

There are some exceptions, where you can get universal credit and student finance. They will just take into account the full maintenance loan available and deduct every £1 you are eligible for and reduce your claim from it. At least that is what I been told.

Reply 5

Angreya

Original post

by sharpened-saxoph

I have small kids and in my 30s work 36 hours a week relying on estranged husband to help out with kids when I’m working which he does thankfully seeing as I take them when he is working etc
But I start my nursing course in 2 months and Tbf it’s now or never! I have worked so hard to get the grades to get in and if I don’t pursue my goals now (I want to be a diabetic nurse) I will never ever bother
Is it manageable? I plan to take out the learning support fun and parental help none repayable funds which is like £7k I believe I will NOT be taking out the maintenance loan as I don’t believe I will ever pay this back but I will need to pay back to student tuition fees which is fine and standard
Can I claim universal credit? It’s a full time course and I will be working 1 12 hour shift a week as a flexible worker for my current job which will pay basic bills like council tax and water etc but I need help with rent and food, any ideas?

Hi, Have you heard of the Learning support fund for all eligible healthcare related Degrees. You can receive a £5000 to £6000 grant to support you in your studies, additional if you have dependants.

All the best.

Reply 6

Chrisina

Hi, can you share the route and steps you take. I am in similar situation and would like funding too. Even the maintenance funding i would take

Reply 7

Chrisina

I got acceptance to University for postgraduate master in Midwifery. I have a child 1 year old with sickle cell and a 7 year old, my husband will be staying at home with them. I plan to do a few hours of work here and there but i know it might only pay rent and take care of food. But i must go after midwifery now or never i feel.

Reply 8

Niffygold

Original post

by sharpened-saxoph

I have small kids and in my 30s work 36 hours a week relying on estranged husband to help out with kids when I’m working which he does thankfully seeing as I take them when he is working etc
But I start my nursing course in 2 months and Tbf it’s now or never! I have worked so hard to get the grades to get in and if I don’t pursue my goals now (I want to be a diabetic nurse) I will never ever bother
Is it manageable? I plan to take out the learning support fun and parental help none repayable funds which is like £7k I believe I will NOT be taking out the maintenance loan as I don’t believe I will ever pay this back but I will need to pay back to student tuition fees which is fine and standard
Can I claim universal credit? It’s a full time course and I will be working 1 12 hour shift a week as a flexible worker for my current job which will pay basic bills like council tax and water etc but I need help with rent and food, any ideas?

Fair enough, thank you for sharing this because it’s like eye opener. I am a single mom of 1 on UC not working as child is under 2. I would resume my course for Adult nursing this year September. After reading your story I went straight to do my math as I needed to see if it truly worth taking the maintenance loan since I am on UC knowing quite alright that some of my maintenance loan could affect my UC.

This is my math, I have calculated the total I would be owing after 3 years I.e student finance and maintenance loan = £61k. Looks huge but repayment only starts when I earn over £25k. Let say I earn £32,073as a newly qualified nurse following the pay rise, 9% of the amount over my earn is what I would be paying, which means 32,073-25000=£7,073 is what I have earn above the normal threshold. So I would pay 9% of 7073 which is =636.57 annually. Now you have to divided by 12= approximately £54. In a nutshell £54 is what would be taken out of my £2672.75 monthly salary. But if I move to higher bands of which I am so interested, is going to increase. The highest band I calculated roughly is band 9 and deduction towards the loan is approximately £800 monthly while I would be earning over 120k annually I am also aware that there would be interest but the interest only affects the total balance not what I am expected to pay monthly and After 40 years whatever amount left is written off including interest. If you are worried about maintenance loan because of how you pay back, your payback depends on what you earn and should not really bother you, the only thing that would bother me is struggling with a child while studying 3 years course as a lone parent. You could apply for UC since you have a child but they would consider a lot about your circumstances such as what your earn, savings, marital status e.t.c

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