>> How does it actually work in practice, assuming one is a British student living in
>> the UK with parents who cannot contribute?
I'm working on an IIRC basis but:
My two are on different schemes. Daughter started her Bachelor's Degree in 2011, son in 2013. I left the Civil Service in November 2013 which radically reduced my gross income. Mrs B's income also differed radically as she got (exceptionally) a full time teaching contract for 3 months from September 2011 but by 2013 was on day supply.
Both got an automatic loan for tuition fees. The Lad's were £9k pa, Miss B's a bit less. The amount of the maintenance loan depends on parental (or partner's) income. The Lad eventually got the max maintenance loan. Miss B's was reduced considerably based on gross parental income combined of c£80k. We paid her a top up of several hundred pounds monthly as a top up.
We paid The Lad a bit too but that reflected his capacity to pee his money up against a wall.
They're on different repayment schemes.
He's an Executive Officer in the Civil Service on (say) £24k. He doesn't need to pay anything but due to some HMRC/payroll cock up he cannot be arxed to sort he is. Because his partner needed to do a fourth year to get her PGCE (teaching qualification) he was nominally responsible for supporting her.
She's on Grade 5(?) in the NHS and pays a bit, maybe 5% of salary but that will stop in a few weeks when she goes on Maternity Leave.
Both have interest added and both will have it written off eventually.
The biggest issue I think is how opaque the set up is and students who've not the time/knowledge or motivation to check they're paying the right amount and to sort it if it's wrong.
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Bombshell dropped, the Mother distraught |
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No FM2R |
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27 Jul 21 14:53 |
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Bombshell dropped, the Mother distraught |
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Bromptonaut |
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27 Jul 21 15:31 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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27 Jul 21 15:49 |
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Bombshell dropped, the Mother distraugh.. |
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Pezzer |
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27 Jul 21 16:19 |
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Bombshell dropped, the Mother distraug.. |
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bathtub tom |
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27 Jul 21 16:25 |
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Bombshell dropped, the Mother distra.. |
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No FM2R |
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27 Jul 21 16:31 |
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Bombshell dropped, the Mother distraug.. |
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No FM2R |
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27 Jul 21 16:30 |
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Bombshell dropped, the Mother distra.. |
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Pezzer |
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27 Jul 21 16:41 |
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Bombshell dropped, the Mother distr.. |
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No FM2R |
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27 Jul 21 16:45 |
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Bombshell dropped, the Mother dist.. |
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Pezzer |
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27 Jul 21 17:12 |
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Bombshell dropped, the Mother distra.. |
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Clk Sec |
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27 Jul 21 16:46 |
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Bombshell dropped, the Mother distr.. |
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No FM2R |
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27 Jul 21 16:48 |
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Bombshell dropped, the Mother dist.. |
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Clk Sec |
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27 Jul 21 16:54 |
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Bombshell dropped, the Mother dist.. |
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Runfer D'Hills |
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27 Jul 21 16:56 |
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Bombshell dropped, the Mother dis.. |
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James Loveless |
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27 Jul 21 18:18 |
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Bombshell dropped, the Mother di.. |
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Runfer D'Hills |
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27 Jul 21 18:26 |
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Bombshell dropped, the Mother distra.. |
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Bromptonaut |
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27 Jul 21 17:39 |
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Bombshell dropped, the Mother distr.. |
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No FM2R |
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27 Jul 21 17:40 |
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Bombshell dropped, the Mother distraught |
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Kevin |
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27 Jul 21 17:28 |
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Bombshell dropped, the Mother distraught |
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Runfer D'Hills |
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27 Jul 21 17:30 |
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Bombshell dropped, the Mother distraugh.. |
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No FM2R |
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27 Jul 21 17:40 |
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Bombshell dropped, the Mother distraug.. |
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Robin O'Reliant |
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27 Jul 21 17:54 |
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Bombshell dropped, the Mother distra.. |
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No FM2R |
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27 Jul 21 17:57 |
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Bombshell dropped, the Mother distr.. |
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Zero |
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27 Jul 21 18:05 |
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Bombshell dropped, the Mother dist.. |
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smokie |
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27 Jul 21 18:39 |
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Bombshell dropped, the Mother dis.. |
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Lemma |
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27 Jul 21 21:21 |
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Bombshell dropped, the Mother di.. |
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No FM2R |
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27 Jul 21 21:40 |
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Bombshell dropped, the Mother .. |
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Manatee |
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27 Jul 21 23:17 |
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Bombshell dropped, the Mother .. |
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Kevin |
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28 Jul 21 11:44 |
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Bombshell dropped, the Mother.. |
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No FM2R |
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28 Jul 21 14:31 |
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Bombshell dropped, the Mothe.. |
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Kevin |
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28 Jul 21 14:52 |
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Bombshell dropped, the Moth.. |
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No FM2R |
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28 Jul 21 14:54 |
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Bombshell dropped, the Mother distraught |
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Zero |
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28 Jul 21 15:14 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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28 Jul 21 15:17 |
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Bombshell dropped, the Mothe.. |
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Mapmaker |
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28 Jul 21 16:32 |
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Bombshell dropped, the Moth.. |
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No FM2R |
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28 Jul 21 16:51 |
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Bombshell dropped, the Mother distraught |
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Bromptonaut |
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28 Jul 21 17:08 |
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Bombshell dropped, the Mother distraught |
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Zero |
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28 Jul 21 17:13 |
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Bombshell dropped, the Mother distraugh.. |
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Bromptonaut |
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28 Jul 21 17:26 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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28 Jul 21 17:35 |
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Bombshell dropped, the Mother distraught |
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Mapmaker |
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31 Jul 21 20:39 |
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Bombshell dropped, the Mother .. |
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Lemma |
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28 Jul 21 23:02 |
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Bombshell dropped, the Mother.. |
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No FM2R |
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28 Jul 21 23:14 |
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Bombshell dropped, the Mothe.. |
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Lemma |
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29 Jul 21 09:27 |
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Bombshell dropped, the Moth.. |
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James Loveless |
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29 Jul 21 10:07 |
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Bombshell dropped, the Mother distraught |
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Zero |
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29 Jul 21 12:34 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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29 Jul 21 13:01 |
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Bombshell dropped, the Mother distraught |
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commerdriver |
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29 Jul 21 15:06 |
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Bombshell dropped, the Mother distraugh.. |
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Zero |
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29 Jul 21 16:10 |
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Bombshell dropped, the Moth.. |
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No FM2R |
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29 Jul 21 11:29 |
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Bombshell dropped, the Mother distraught |
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Lemma |
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29 Jul 21 14:05 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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29 Jul 21 14:09 |
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Bombshell dropped, the Mother distraught |
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R.P. |
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29 Jul 21 15:48 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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29 Jul 21 16:10 |
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Bombshell dropped, the Mother distraugh.. |
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James Loveless |
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29 Jul 21 18:33 |
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Bombshell dropped, the Mother distraug.. |
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Zero |
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29 Jul 21 19:31 |
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Bombshell dropped, the Mother distraugh.. |
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Lygonos |
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30 Jul 21 12:35 |
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Bombshell dropped, the Mother distraug.. |
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Zero |
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30 Jul 21 12:50 |
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Bombshell dropped, the Mother distra.. |
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legacylad |
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30 Jul 21 13:41 |
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Bombshell dropped, the Mother distra.. |
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No FM2R |
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30 Jul 21 14:20 |
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Bombshell dropped, the Mother distraug.. |
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No FM2R |
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30 Jul 21 14:19 |
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Bombshell dropped, the Mother distra.. |
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Robin O'Reliant |
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30 Jul 21 17:54 |
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Bombshell dropped, the Mother distr.. |
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No FM2R |
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30 Jul 21 18:00 |
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Bombshell dropped, the Mother dist.. |
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No FM2R |
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30 Jul 21 18:02 |
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Bombshell dropped, the Mother distraugh.. |
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Lemma |
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30 Jul 21 17:19 |
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Bombshell dropped, the Mother di.. |
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Falkirk Bairn |
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28 Jul 21 06:44 |
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Bombshell dropped, the Mother .. |
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sooty123 |
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28 Jul 21 07:56 |
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Bombshell dropped, the Mother.. |
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Falkirk Bairn |
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28 Jul 21 08:36 |
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Bombshell dropped, the Mothe.. |
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Bromptonaut |
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28 Jul 21 08:55 |
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Bombshell dropped, the Moth.. |
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Falkirk Bairn |
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28 Jul 21 09:58 |
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Bombshell dropped, the Mother distraught |
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Mapmaker |
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28 Jul 21 16:19 |
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Bombshell dropped, the Mother .. |
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martin aston |
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28 Jul 21 08:20 |
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Bombshell dropped, the Mother .. |
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Duncan |
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28 Jul 21 09:48 |
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Bombshell dropped, the Mother.. |
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Bromptonaut |
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28 Jul 21 09:58 |
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Bombshell dropped, the Mother.. |
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Falkirk Bairn |
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28 Jul 21 10:12 |
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Bombshell dropped, the Mother distraught |
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Manatee |
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27 Jul 21 22:56 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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27 Jul 21 23:56 |
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Bombshell dropped, the Mother distraught |
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sooty123 |
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28 Jul 21 08:10 |
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Bombshell dropped, the Mother distraught |
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zippy |
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28 Jul 21 09:31 |
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Bombshell dropped, the Mother distraugh.. |
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helicopter |
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28 Jul 21 11:34 |
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Bombshell dropped, the Mother distraug.. |
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No FM2R |
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28 Jul 21 16:48 |
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Bombshell dropped, the Mother distraugh.. |
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Duncan |
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28 Jul 21 14:34 |
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Bombshell dropped, the Mother distraug.. |
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No FM2R |
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28 Jul 21 14:51 |
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Bombshell dropped, the Mother distraugh.. |
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No FM2R |
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28 Jul 21 14:42 |
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Bombshell dropped, the Mother distraug.. |
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PeterS |
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28 Jul 21 16:30 |
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Bombshell dropped, the Mother distraugh.. |
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Bromptonaut |
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2 Aug 21 15:49 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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28 Jul 21 14:28 |
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Bombshell dropped, the Mother distraugh.. |
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Paul Robinson |
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28 Jul 21 16:33 |
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Bombshell dropped, the Mother distraug.. |
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bathtub tom |
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28 Jul 21 16:41 |
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Bombshell dropped, the Mother distra.. |
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No FM2R |
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28 Jul 21 16:46 |
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Bombshell dropped, the Mother distra.. |
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tyrednemotional |
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28 Jul 21 16:49 |
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Bombshell dropped, the Mother distr.. |
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No FM2R |
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28 Jul 21 17:03 |
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Bombshell dropped, the Mother dist.. |
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tyrednemotional |
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28 Jul 21 17:07 |
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Bombshell dropped, the Mother dist.. |
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Zero |
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28 Jul 21 17:08 |
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Bombshell dropped, the Mother dis.. |
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No FM2R |
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28 Jul 21 17:32 |
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Bombshell dropped, the Mother di.. |
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Falkirk Bairn |
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28 Jul 21 18:37 |
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Bombshell dropped, the Mother .. |
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smokie |
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28 Jul 21 19:29 |
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Bombshell dropped, the Mother.. |
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No FM2R |
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28 Jul 21 19:39 |
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Bombshell dropped, the Mothe.. |
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R.P. |
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28 Jul 21 21:14 |
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Bombshell dropped, the Mother.. |
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Bromptonaut |
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28 Jul 21 21:37 |
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Bombshell dropped, the Mothe.. |
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No FM2R |
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28 Jul 21 21:43 |
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Bombshell dropped, the Moth.. |
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Bromptonaut |
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28 Jul 21 21:46 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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28 Jul 21 22:00 |
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Bombshell dropped, the Mother distraught |
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zippy |
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28 Jul 21 22:25 |
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Bombshell dropped, the Mothe.. |
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sooty123 |
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28 Jul 21 21:49 |
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Bombshell dropped, the Moth.. |
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No FM2R |
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28 Jul 21 22:25 |
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Bombshell dropped, the Mother distraught |
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Bromptonaut |
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28 Jul 21 22:49 |
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Bombshell dropped, the Mother distraught |
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No FM2R |
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28 Jul 21 22:57 |
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Bombshell dropped, the Mother distraugh.. |
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tyrednemotional |
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28 Jul 21 23:20 |
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Bombshell dropped, the Mother distraugh.. |
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zippy |
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29 Jul 21 11:25 |
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Bombshell dropped, the Mother distraug.. |
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Clk Sec |
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29 Jul 21 11:35 |
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Bombshell dropped, the Mother distraug.. |
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Pezzer |
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2 Aug 21 15:09 |
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Bombshell dropped, the Mother distra.. |
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Bromptonaut |
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2 Aug 21 15:23 |
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Bombshell dropped, the Mother distr.. |
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Falkirk Bairn |
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2 Aug 21 15:45 |
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Bombshell dropped, the Mother dist.. |
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Pezzer |
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2 Aug 21 16:55 |
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Bombshell dropped, the Mother dist.. |
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No FM2R |
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2 Aug 21 18:49 |
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Bombshell dropped, the Mother dis.. |
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Bromptonaut |
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2 Aug 21 20:14 |
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Bombshell dropped, the Mother di.. |
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smokie |
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3 Aug 21 00:16 |
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Bombshell dropped, the Mother .. |
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VxFan |
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3 Aug 21 11:18 |
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Bombshell dropped, the Mothe.. |
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smokie |
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28 Jul 21 23:18 |
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Bombshell dropped, the Moth.. |
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Lygonos |
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28 Jul 21 23:46 |
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Bombshell dropped, the Mother distraught |
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Terry |
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29 Jul 21 02:18 |
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Bombshell dropped, the Mother distraught |
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martin aston |
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29 Jul 21 06:11 |
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Bombshell dropped, the Mother distraught |
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Falkirk Bairn |
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29 Jul 21 06:35 |
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Bombshell dropped, the Mother distraugh.. |
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sherlock47 |
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29 Jul 21 07:12 |
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Bombshell dropped, the Mother distraught |
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sooty123 |
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29 Jul 21 06:46 |
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Bombshell dropped, the Mother distraugh.. |
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sherlock47 |
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29 Jul 21 10:04 |
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Bombshell dropped, the Mother distraug.. |
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Duncan |
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29 Jul 21 10:19 |
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Bombshell dropped, the Mother distra.. |
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sooty123 |
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29 Jul 21 10:25 |
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Bombshell dropped, the Mother distr.. |
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Bromptonaut |
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29 Jul 21 10:34 |
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Bombshell dropped, the Mother dist.. |
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Duncan |
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29 Jul 21 10:46 |
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Bombshell dropped, the Mother distra.. |
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zippy |
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29 Jul 21 10:32 |
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Bombshell dropped, the Mother distraugh.. |
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Lygonos |
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29 Jul 21 12:18 |
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Bombshell dropped, the Mother distraug.. |
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sooty123 |
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29 Jul 21 12:25 |
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Bombshell dropped, the Mother distra.. |
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Falkirk Bairn |
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29 Jul 21 13:21 |
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Bombshell dropped, the Mother distr.. |
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sherlock47 |
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29 Jul 21 13:38 |
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Bombshell dropped, the Mother dist.. |
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No FM2R |
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29 Jul 21 13:57 |
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Bombshell dropped, the Mother dis.. |
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Lygonos |
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29 Jul 21 14:25 |
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Bombshell dropped, the Mother di.. |
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Zero |
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30 Jul 21 09:01 |
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Bombshell dropped, the Mother .. |
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Netsur |
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30 Jul 21 09:49 |
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Bombshell dropped, the Mother.. |
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Duncan |
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30 Jul 21 12:11 |
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