Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To deliberately use public funds as an income for courses you have no intention to pay back or use to get a job forever?

80 replies

Chinsupmeloves · 15/02/2026 21:02

I will ask the above general question first before giving my reasons afterwards.

Do you someone who has intentionally planned to take free courses while on benefits just to avoid having to look for a job? Even to the extent of a degree to use the loans as income but never intending to work to pay them off? Clearly bright enough to be accepted but calculated to do this.

Just one of those things you think about when you observe how a friend has spent their life...

Pregnant at 17, lived at home, parents raised the child and another baby age 19, the same situation. Didn't and wouldn't get a job or go to college, only benefits.

At age 27 decided she should start to do something with her life, moved out of home with latest BF, also unemployed.

Because on UC able to access free courses. Over the next few years tried a few different things like childcare course, hairdressing, beauty, therapy, dropped out of all with excuse of anxiety and depression. (She really doesn't have these, although tried to get diagnosis, rather just very lazy and entitled)

Early 30s, did an access course and then a degree which required attendance 3 hours a week but in covid times it was online. Did the bare minimum to get a pass, we were delighted and hoped this would be her inspiration to make a career.

Nope, it wasn't the course for me, doing another one, again minimal attendance and cba so failed.

Ok try again, another degree, didn't attend or do the work so another fail.

Both of these were excuse for MH issues, which she has blatantly told us she faked and viewed and planned for the grants and loans as 'her income' with no intention of ever paying back.

It's been calculated by her on UC to avoid looking for employment by studying and money in that way, also to validate to us all that she's doing something other than sleeping and watching TV, which we all know she does every day.

The SM responses of wow you're amazing, well done, are delusional.

Now she's almost 40 and hasn't had to work a single day in her life, hoping to apply for next degree...

It's made me wonder how can this be allowed? It seems while appearing to be active studying to gain employment It's not always the case.

Get funding, start a course, drop out proclaiming MH issues, do it again and again.

Oh and she has been successful in getting a diagnosis of depression. A GP has to acknowledge and send for referral, patient doesn't go to free counselling appointments because too overwhelmed, passed up to a higher level.

The bitter pill is I do actually have anxiety and depression, take medication, have worked since age 16 and built a career/paid off student loans.

OP posts:
BellaBlueee · 16/02/2026 00:05

You don’t have the full story here because in order for her not to have a work seeking criteria under her UC she must be telling them she’s in education. They will then deduct her student loan off her UC total. She will still be entitled to some UC due to having children but a large percentage will be deductible due to student loan.

As others said the government will only fund one completed degree unless it’s in something like healthcare (and if she wasn’t going in she’d be booted off the course) so how is she getting funding to do all of these degrees? If this is what she’s telling you then it’s what she would like you to believe.

socialdilemmawhattodo · 15/02/2026 23:50

AimlessAndClueless · 15/02/2026 23:15

How do you stop people signing up to courses?
I have started (and dropped out of) loads. It is always with the best of intentions.

Very easy. Sign up to 1, great. Sign up to 2nd because you have dropped out of 1st, possibly OK. Sign up to 3rd. You pay for it AND NO STATE BENEFITS. Quite frankly I don't care what you do as a private citizen, but if you want me to pay for you then you complete the course and get trained. Mental health - couldn't give a fuck. Issues - couldn't give a fuck. Whatever - couldn't give a fuck. Etc. I was happy to pay to support people to get training. But no longer, when people take the piss. Don't complete the training, no state benefits. It needs to be that simple. An offer to improve your skills for work in exchange for support from the state. Yes of course there will always be people who cannot access the workplace but that number needs to be much smaller than current numbers.

AimlessAndClueless · 15/02/2026 23:15

socialdilemmawhattodo · 15/02/2026 23:12

My brother did a lot of short term state funded courses when he was claiming benefits and thought he was too good to apply for jobs @25k,yes London, and years ago. He would actually have been very competent at many of them eg coding. It angered me. A lot. He needed to work, not prat around pretending to be a film maker. He died recently in his 50s. Not having ever achieved his dream nor having ever used anything from the state funded courses. That has to stop. NOW. As a country we cannot afford to support people who choose not to contribute. Mental health has become a cop out. My brother perhaps did have mental health issues but also chose to manipulate the system. Fuck it - i am not paying for that any more.

How do you stop people signing up to courses?
I have started (and dropped out of) loads. It is always with the best of intentions.

socialdilemmawhattodo · 15/02/2026 23:12

My brother did a lot of short term state funded courses when he was claiming benefits and thought he was too good to apply for jobs @25k,yes London, and years ago. He would actually have been very competent at many of them eg coding. It angered me. A lot. He needed to work, not prat around pretending to be a film maker. He died recently in his 50s. Not having ever achieved his dream nor having ever used anything from the state funded courses. That has to stop. NOW. As a country we cannot afford to support people who choose not to contribute. Mental health has become a cop out. My brother perhaps did have mental health issues but also chose to manipulate the system. Fuck it - i am not paying for that any more.

Chinsupmeloves · 15/02/2026 22:57

Ok am done with replying now.

Simply put out the question about a situation I've observed throughout my lifetime with regard to one particular friend.

All true, no reason to fabricate, I've got far too busy a life myself but do occasionally get time to ponder and would like to know others' opinions.

When you have a lifelong friend who has become part of your family but continues to play the system it's not a case that I don't like them. More ffs stop being so lazy and entitled, which I tell her. Love you but you're being unreasonable, have some self pride, get a bloody job you're more than capable of and will do well in once you push yourself!

OP posts:
TerrysNeapolitan · 15/02/2026 22:48

Yep know several of these characters - it is nothing but playing the system and they gleefully boast about it. Why do people not wake up to this?

AimlessAndClueless · 15/02/2026 22:47

Also, I have not attempted full time education since being on UC, but I have a friend who wanted to do a uni course whilst on ESA and she was told she would lose her ESA entitlement as if she could attend a full time course then she would be considered fit for work.

PaperBlueCornflower · 15/02/2026 22:45

Chinsupmeloves · 15/02/2026 22:39

Good luck 👍 💓 ✨️ xxx

Thank you, I thought it was impossible. I'll look into what I could do.

Chinsupmeloves · 15/02/2026 22:44

Madthings · 15/02/2026 22:13

Correct unless its in a sought after area some health ones but very competitive snd hard to get s place. Most of this op sounds factuwlly incorrect as if you get UC they view student loans and grants as income and deduct it from your UC.

But why let facts get in the way of some nice stereotyping and benefits system blaming.

Unless they know this so stop claiming UC while living in a house with and paid for by parent and give up claiming for another house as SP when not living there.

There really are ways and means most aren't aware of unless you know first hand.

OP posts:
Chinsupmeloves · 15/02/2026 22:39

Chinsupmeloves · 15/02/2026 22:39

Apply for the degree, be accepted, fill in the forms for any available grants and student loans

Good luck 👍 💓 ✨️ xxx

OP posts:
Chinsupmeloves · 15/02/2026 22:39

PaperBlueCornflower · 15/02/2026 22:27

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Apply for the degree, be accepted, fill in the forms for any available grants and student loans

OP posts:
fashionqueen0123 · 15/02/2026 22:34

The second degree unless a specific type like said above, she won’t get finance for

AimlessAndClueless · 15/02/2026 22:31

I opened this thread and genuinely thought it was about me. It isn't though (I don't have kids).
I am on UC due to several mental health issues, and I am awaiting assessment for both ADHD and autism.
I have worked, but I have also spent a hell of a lot of time and money attempting courses.
I have been to uni twice, and had a conditional offer for another time (I failed the Access course and gave up trying again). My last uni attempt was fully funded by the NHS, and I had a small amount of bursary too. I had to drop out due a massive breakdown. I still have student loan hanging over my head from my first attempt at uni which was about 27 years ago.
Lots of money spent and wasted on OU courses, evening courses, and recently I tried one of the government funded level 2 courses (in mental health), and I could not even do that. Turns out I can not do self directed study. I need a class room and a teacher.
At school, I just about got my GCSEs. I dropped out of A-levels.
Every few years I come up with a career I want to do, and burnout just trying. It is exhausting, and I hate I am like this.

Fgfgfg · 15/02/2026 22:31

PaperBlueCornflower · 15/02/2026 22:27

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Teaching, nursing and some other health jobs.

PaperBlueCornflower · 15/02/2026 22:31

Chinsupmeloves · 15/02/2026 22:25

Practically part of the family, have known her almost like a sister throughout my life and we were close friends at school. Even when I moved away she was always there in our lives, like an extra child.

Just one of those people, if you haven't experienced yourself, immersed herself into us and we always supported her and tried to give guidance. Very bright, likeable, just really could never be bothered to push herself, inherently very lazy and expecting others to do things for her.

It sounds like a really uncomfortable situation for you.

Fgfgfg · 15/02/2026 22:31

It's four years funding for a degree. If they accept exceptional circumstances you may get five. If she's managed to get a degree she won't get funding for another one unless it's teaching or health related and she wouldn't be able to take the piss because of having to work on placements.
Another course may accept her but then she'll be billed personally for the fees, wouldn't get the support funding and if she becomes a debtor to the university they'll exit her. There's a separate loan system for postgraduate but if she's not got a good degree she's unlikely to be accepted for that.

Chinsupmeloves · 15/02/2026 22:30

BatchCookBabe · 15/02/2026 21:43

Who is this person that you know such a phenomenal amount about @Chinsupmeloves ? Wink

I don't even know this much information about my own family members - including my adult DC!

Maybe focus on your own life, and stop stressing over others.

.

Edited

To add, I have a hell of a lot going on in my life but she is always there in the background. As I've said I'm at the point of exasperation and do feel the need to cut off completely but it's difficult as me and my family have been such a huge part of her life.

OP posts:
PaperBlueCornflower · 15/02/2026 22:27

YesSirICanNameChange · 15/02/2026 22:06

Not sure how she's getting all these degrees funded.

In Wales, you're only eligible for one lot of student finance unless very specific exceptions apply. I've been able to get funding for a second degree because I made the fun less employable choice the first time around and am retraining in a high demand area now, but the criteria is incredibly strict on which courses qualify.

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Chinsupmeloves · 15/02/2026 22:26

FiatLuxAdAstra · 15/02/2026 21:47

Won’t or can’t?

Honestly won't!

OP posts:
Chinsupmeloves · 15/02/2026 22:25

BatchCookBabe · 15/02/2026 21:43

Who is this person that you know such a phenomenal amount about @Chinsupmeloves ? Wink

I don't even know this much information about my own family members - including my adult DC!

Maybe focus on your own life, and stop stressing over others.

.

Edited

Practically part of the family, have known her almost like a sister throughout my life and we were close friends at school. Even when I moved away she was always there in our lives, like an extra child.

Just one of those people, if you haven't experienced yourself, immersed herself into us and we always supported her and tried to give guidance. Very bright, likeable, just really could never be bothered to push herself, inherently very lazy and expecting others to do things for her.

OP posts:
Moen · 15/02/2026 22:22

Universal credit deduct student finance pound for pound.

You can’t get SF for multiple degrees.

Are you sure your “facts” are right OP?

ProudCat · 15/02/2026 22:20

Chinsupmeloves · 15/02/2026 22:18

It seems you can, especially for permitted circumstances, so able to restart when you say you're ready to try again.

You can't. There's no way you can get multiple loans to do multiple degrees. Just saying it's the case doesn't make it the case.

Charlize43 · 15/02/2026 22:20

Not sure if anyone has already mentioned it but Student Finance England (SFE) will only give you loans to fund for 4 years.

If she'd started a course and later dropped out, that would be one of her years gone. If she dropped out after 2 years and then started a new degree she would only get funding for 2 years and would have to self fund her 3rd year.

It is not possible to secure funding to do multiple degrees.

sharkstale · 15/02/2026 22:19

SergeantWrinkles · 15/02/2026 22:15

Universal credit takes student loans into account as income and reduces accordingly. They also consider a degree full time education (although having children can be an exception I believe?) so I’m struggling to see how she’s rolling in it in quite the way you’ve suggested? It’s my understanding that you can only get one degree funded through student finance, so I’m not sure the information you’ve got there is quite accurate? But honestly, you clearly don’t like her, and I fail to see how this relationship serves you so perhaps you’re better off distancing yourself from her and working on your own issues?

This

Swipe left for the next trending thread