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did your parents give you any money at all towards it?
I walked a lot.
and my rent 300 per month. I worked part time, but 40 quid/week also only goes so far.
1. non means assessed (they give you the minimum)
2. means assessed (they checked my parents income and gave me the minimum)
you dont need a loan!
just because your parents are well off, doesn't mean they'll help you. this is one problem with the system... some kids get fucked over because they are denied decent loans, and have shit 'rich' parents that refuse to help.
'Rich' meant something ludicrous like earning over £18K a year between them. I got a full grant but I knew many who didn't and their parents were fucked. The system also didn't take account of how many kids you had from what I remember.
my mum was safe as fuck and paid my way through uni.
That was my reason for my low loan monies, which should include a frugal factor - as my parents, whilst earning more than the threshold, didn't shower me in gold.
as their limits for loans aren't actually that high.
And there are major financial difficulties with the folks right now which are going to result in problems with me living next year, so they really, REALLY aren't rich
the government assumes they can afford to pay for you to live.
For my undergrad they did alright but for the post-grad i am well and truly fucked; sister, gran and other half are probably all going to have to chip in and i won't have time to work in PT employment due to the course, either
in that my mum lives alone and she doesn't earn a lot. i get about £800 per term more than other people. HOWEVER, i know that my mum will never be able to afford to give me any money. i will have to work PT when i go back, and also be careful, but some people are in my situation and with £2400 less loan a year.
and every grant imaginable. there's actually loads available and most people don't realise.
Not entitled to grants or bursaries, just a "larger loan"
my placements in schools
I've not been to uni yet, but I've never had any money off my parents.
I've had a job since I was thirteen and I've paid £200 a month digs money to my mum since I left school at sixteen.
When I go to uni next year I'll do the same as I have the past two years at college, live off my loan and part time job.
That's a bit shoite; my parents wouldn't have expected me to be living independently at 16. If i went home now i'd give them cash, though
she really needs the money to pay the bills and all that, so it was only fair.
And I don't mind it, I hate spoiled people and it's made me not one of them.. Lol.
my dad's given me nought since i was about 10 though, so i think it was pity money.
Not having student fees to pay back is SUCH a financial relief; the loan's bad enough!
could you have gone to uni but lived at home?
because they think they should, not that it would help their career. i have no idea what i want to do after, and with a german degree... what is there? i don't want to teach, i don't want to live in germany or travel too much.
i should have done medicine.
I can afford to pay my mum £200 a month and keep myself in clothes, fed, drunk and watching bands. I have a part time job earning £4.70 an hour and have a student loan/bursary (I get the maximum because my mum earns £15,000 a year and my dad doesn't live with me or contribute financially).
So it's definatly possible! I don't know what age you are, but there are students at my college in their forties applying to uni this year and I've heard of older, so it's never too late!
The minimum wage for 18-21 year old is £4.65.
I need a new job.
which is nice. I somehow get less than the minimum loan per year though (minimum is £810, i get £570) but i couldn't be bothered contesting it so now i recieve £50 a month. Pretty shit. I work two days a week which helps me survive, but just not i'm languishing at the end of my overdraft and waiting for my mum to get an insurance payout after which i get 2 grand, woohoo!
i get most of it covered by my student loan. i've been really stupid and spent all my money though, so borrowing off my parents at the moment.
which makes me feel a bit bad that the degree was such a waste of time, but it was basically their idea in the first place.
I'm constantly morally conflicted about it.
I'm lucky enough to come from a very stable family with parents who are most definitely towards the upper middle class. They worked their way up there from really crushing poverty (my dad lived in a two-bedroom council house in Wolverhampton with his parents and five siblings, and dropped out of school, but now is some high-earning accountant) and as such they have this whole obsession with making sure that my brother and I have as many opportunities as possible, because they didn't have any.
So when I brought home the student loan/grant form at the end of school, they threw it away. "Don't deal with banks at your age," they said, "we don't want you getting into that trap so young."
So basically, they give me, per month, the same as I'd get from a student loan. But I owe them instead of a bank, and I do have to pay them back.
It's because I know I'm not really getting a free ride I can feel less like a free-loading layabout, and means I can still look down on the people who complain that daddy won't let them use the villa in Cyprus this summer. But still, I've got it easier than most, because I've got a safety net.
The advantage of this is no interest or anything, so it's a fixed sum. And they're going to be a lot less arsey about late payments, I suppose...
Plus I'd be surprised if I ever end up in a job earning more than £15,000 a year!
I owe them for other fees, tuition and so forth, too. So I learn the importance of self-reliance.
I couldn't deal with it if I was expected to take the money without question.
They thought it a kind of cheating.
They have a mindset, and they're damn well sticking to it.
Basically, if I'm about to max out my overdraft, they give me a cash injection.
as I didn't go to uni, but I'd just like to back up dark_truffles above and say that I had to pay rent to my parents as soon as I turned 16. It wasn't so much that they needed or wanted the cash, it was more for teaching a sense of responsibility to me when I actually had money for the first time. I left school earning £10,000 16 year ago, so I think they were perfectly within their rights to do so.
with rent and tuition fees. I work during the holidays though to earn money for living expenses etc and so I don't feel like I'm not contributing. I hope I'll be able to do the same if I have kids.
But I get the maximum loan and well as a hefty grant which covers all my expenses. Saying that, I'm nearing my overdraft limit and I've only been living off of 40 quid a week this past year. I shouldn't complain about not being able to afford to go out/go shopping etc though coz that's my own fault for not getting a part time job. I had a fair amount of leisure money last year but that's coz I saved up by working full time in the summer. My parents do subsidise my travel fare to go home at holidays though (But I do get the coach..)
It's all means tested though isn't it? It's true that those in the 'lower middle class' bracket tend to get completely screwed over though.