Student Loans... income assessment
Discussion
Solocle said:
True, but the £1400 should cover utilities. The £3900 only covers basic rent. My phase 1 complaint made it clear the year was an outlier, and they do have a procedure for such circumstances (unlike a long while back when my Mum's father passed away during her A level year, and his income was the basis of grants). Of course, while I have the ultimate recourse of the secondment having ended, I am concerned for anybody who doesn't have that. To make matters worse, when SLC sent a representative to my school, that representative assured me that my father's income wouldn't be included.
Let's face it a random representative is not the custodian of all knowledge. They are basic fact sheet with a face and won't be prepared for more esoteric queries. The situation is rather easily open to misinterpretation.Your fathers income always should be included; but included at the notional salary amount, whatever that may be.
tigger1 said:
I know I'm lucky with my work-life balance, but I wouldn't commute an hour up the road for a 40k salary, nevermind live 5000 miles away from the wife.
Putting it like that though, I can see the upside.
Good luck with the SLC.
Thanks, the £40K salary is my father's standard salary. One of the benefits of the arrangement was flights to Florida. The main benefit was in terms of job opportunity though - there was going to be a set of redundancies this side of the pond. Of course, a nice redundancy payment at the time could have covered my parents for a time and entitled me to the full loan amount... I'm pretty sure that there are ways of playing the system, and it's this sort of thing that leads to people doing just that.Putting it like that though, I can see the upside.
Good luck with the SLC.
Welcome to the real world. There are always winners and losers on any system like this. When we first applied for our daughter's student loan we had to submit the previous year's P60 This included my wifes income although not a great deal it did push us over the threshold.The thing was she finished working later that year.
If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
Edited by Drumroll on Wednesday 12th July 18:30
Drumroll said:
Welcome to the real world. There are always winners and losers on any system like this. When we first applied for our daughter's student loan we had to submit the previous year's P60 This included my wifes income although not a great deal it did push us over the threshold.The thing was she finished working later that year.
If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
Well, there's no way I'm going to try and delay an offer from Oxford. Again, things are back to normal, so I have an easy way out. I'm just calling out the system and pointing out its flaws.If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
Edited by Drumroll on Wednesday 12th July 18:30
Solocle said:
Well, there's no way I'm going to try and delay an offer from Oxford. Again, things are back to normal, so I have an easy way out. I'm just calling out the system and pointing out its flaws.
So sick it up and stop b
hing, £900 pa on car insurance for your car hardly makes you sound like you family are down the local food bank.Solocle said:
Drumroll said:
Welcome to the real world. There are always winners and losers on any system like this. When we first applied for our daughter's student loan we had to submit the previous year's P60 This included my wifes income although not a great deal it did push us over the threshold.The thing was she finished working later that year.
If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
Well, there's no way I'm going to try and delay an offer from Oxford. Again, things are back to normal, so I have an easy way out. I'm just calling out the system and pointing out its flaws.If you are so concerned about being a "burden" on your family you can always delay going to university and go out and earn some money. Not only will it give you your own money it also moves the tax assessment on one year for your parents.
Something else that may come as shock to you your father didn't have to go to America it was his choice. Please don't paint him as some sort of hero ("for the good of the country")
Edited by Drumroll on Wednesday 12th July 18:30
Yup, have similar problems myself, my folks going through a bit of a dodgy, prolonged breakup (lots of lawyers involved, family home is in state of construction so nothing can be finalised until that is done), mum makes bugger all & I am not on talking terms with my step father. Trying to prove you are self supporting is a colossal pain too if you are under 25. Aparently living in your own flat for 18months, moving back in to your mums for 2 months, then living in your own flat for 6 months, moving back in for 1, moving out again etc etc is not sufficient for being self supporting.
Essentially I end up being on ~£9k a year, loan included, but am treated by the awards agency as I am a part of a ~£50k/year household. If that wasn't the case I could be getting an extra £1800 in bursery every year, as well as an extra £1000 on my maintenance loan, which would certainly make life easier Wouldn't be that bad if I was doing a lighter course which would allow me more time to work but engineering is pretty full on.
Lifes a bh innit.
Essentially I end up being on ~£9k a year, loan included, but am treated by the awards agency as I am a part of a ~£50k/year household. If that wasn't the case I could be getting an extra £1800 in bursery every year, as well as an extra £1000 on my maintenance loan, which would certainly make life easier Wouldn't be that bad if I was doing a lighter course which would allow me more time to work but engineering is pretty full on.
Lifes a b
h innit. Edited by caelite on Wednesday 12th July 19:37
Why would an engineer earn so little? Are you possibly mixing up your numbers?
Also, why would the fact that some was earmarked for accommodation matter? Every normal worker has to spend some of their income on accommodation, it's sort of the point of being paid, you spend it on things.
Also, why would the fact that some was earmarked for accommodation matter? Every normal worker has to spend some of their income on accommodation, it's sort of the point of being paid, you spend it on things.
James_B said:
Why would an engineer earn so little? Are you possibly mixing up your numbers?
Also, why would the fact that some was earmarked for accommodation matter? Every normal worker has to spend some of their income on accommodation, it's sort of the point of being paid, you spend it on things.
Because it's accommodation specific to the job, the cost of which is covered by the company, in the same way your hotels are paid for on a business trip.Also, why would the fact that some was earmarked for accommodation matter? Every normal worker has to spend some of their income on accommodation, it's sort of the point of being paid, you spend it on things.
So there's say £10k extra "pay" that's actually expenses, and shouldn't count as income.
Should a sales rep spending 5 nights a week in £50 travelodge rooms, which the company pays for because they sent him there, be treated as earning an extra grand a month?
xxChrisxx said:
James_B said:
Why would an engineer earn so little? Are you possibly mixing up your numbers?
s
t...+Chris if you where refering to me, I'm still a student, work part time + student loan, was pointing out that due to dodgy family life the student loan co can easily pay you the bum rate due to how it is means tested, even though it would be fairly clear to any sane individual that you are not benefiting from the supposed household income.
superlightr said:
What are you accepted at Oxford for?
Maths and Computer Science. Hardly a light course, it's about 66% of one and 66% of the other.caelite, I love multi-monitor set ups! Working on coursework at school, I would sometimes take my laptop in. Cue plugging one of the school monitors into my laptop. And yeah, that situation with an ongoing breakup is really awful, especially when it comes to SLC at the same time.
And, as previously mentioned, the accomodation matters because it was part of the job. We went from living in one house to living in the same house (not even a council tax reduction, because the council are a load of cretins), and dad having an apartment in the states. So our total expenditure went through the roof - just for basic stuff. As such, it's hardly fair for that to be considered as additional income. Furthermore, at that time, there were thousands of dollars spent on furniture, also from company allowances. Most of it was given away at the end of the secondment.
Systems are not perfect. Accept it.
When I went to Uni (25 years ago) I was refused a grant. The Local Authority had ignored all of my self-supporting history and just assessed me incorrectly on my parents income.
Proved 3 years worth of independent working in a short meeting and job jobbed.
When I went to Uni (25 years ago) I was refused a grant. The Local Authority had ignored all of my self-supporting history and just assessed me incorrectly on my parents income.
Proved 3 years worth of independent working in a short meeting and job jobbed.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff