mature student and single parent going to university. Financial advice please

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  • #43265 Report

    Sherry123
    Participant

    Hi

    I’m 46 and  I’ve just been offered a place at uni. I have a 12 year old son and wondered if there was any financial support I could get. At the moment I claim universal credit and work part time. I’m really worried I might not be able to afford to study.

    Any advice would be great thank you 😊

    Sherry

    #43285 Report

    picklepie24
    Participant

    Hi

    I did my degree 10 years ago at the time i was working part time, 16 hrs and over and i was studying full time.  I used to get all my tax credits and wages plus my student loan and grant.  I have never claimed housing or council tax benefit so i’m not sure how they would be affected by the extra money.  I am starting my Masters this October and i get a postgraduate loan and grant on top of my full time wage and this doesn’t affect my tax credits in any way, i phoned the hmrc and checked.  Universal credit might be a bit different though,  I actually did my dissertation on the effect the change from tax credits to universal credit would have on families, i did a finance degree lol

    Have you applied for your student loan yet?

    #43287 Report

    Sherry123
    Participant

    Hi

    Thank you for your reply. That’s great you we’re able to do your degree 😊 And all the very best with your masters 👍 I have just applied for student finance and I know it will take a few weeks to sort out.  With me being on universal credit, I get a set amount each month which includes the housing element. I’m just not sure if my universal credit will stop if I become a full time student. If if does, then I won’t be able to go to uni as financially I won’t manage.

    I’m due to start uni on 21st September but I’m really worried about my finances xx

    #43288 Report

    picklepie24
    Participant

    My finance was approved pretty quick within two weeks so hopefully it will come through for you soon.  The way i understand it the maintenance part you get paid will affect your universal credit  look here for a rough idea http://www.gov.uk/guidance/universal-credit-and-students, they also mention special support loans and grants if you claim the housing element which won’t affect your universal credits.

    If i were you i’d phone the finance people at the uni and the hmrc for advice so you can get a better idea.  Uni’s have hardship grants and all sorts of things which may help.

    Good luck

     

    #43292 Report

    Sherry123
    Participant

    Thank you, I really do appreciate it. I’ll let you know how I get on 🤗 xx

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