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Further education

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Partner wants to go to uni, worried about finances

78 replies

Bellfox95 · 18/12/2024 14:22

My partner is 37 and has decided he would like to go to university and study social work. I’m really happy for him he’s been stuck in a care role for the longest time and has struggled with deciding what he wants to do.

I am just slightly concerned how we are actually going to live for the next 3 years while he doesn’t have an income.
It’s just me and him at home, and his daughter who’s 17 is going to move in during the summer and go to a college near us.

I work full time and earn £25,500. We have about £6000 of debt, and our monthly outgoing are about £1050, not including food or clearing the debt at all.
Im also not really sure how student finances work or what he would actually be entitled too, I am presuming tuition fees and a maintenance loan?

OP posts:
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SapatSea · 26/12/2024 17:05

He should be eligible for some maintenance loan ( check the Student Finance rates) he may also get a bursary and he should check whether the uni he is attending has any grants available to students with dependents ( such as his daughter) and as others have said perhaps he could work part time. Will his ex sign over thechild benefit for his daughter?

Fgfgfg · 26/12/2024 16:22

I'm a social work admissions tutor. Hope this clarifies a few things for you.
Bursary - The bursary mentioned by pp is available to about 85% of people in years 2 and 3 of the course. Universities will have allocation criteria usually based on attendance and performance in the first year. There's also a travel bursary to cover the cost of travel to and from placement which is available to all students.
Working and studying - Most students work. He'll be able to work weekends, holidays (summer break is May - September) and, depending on the timetable, at least a day/week. Placements are usually split along the lines of 70 days in year 2 and 100 days in year 3, are mostly full time, and people struggle to work more than 1 day/week. Check this with the universities he's applying to. A number of students are offered work by their placements and final year placements sometimes lead to qualified sw job offers.
Other routes - Other pp have mentioned schemes such as Step Up. Unfortunately these are fast track graduate schemes for people with degrees in other subjects. Social Work apprenticeships are organised by local authorities and most only recruit internally. If your DP is directly employed by a local authority they may offer it. The Open University course is designed for people already working for an employer who is assessed as being able to provide suitable placements (similar to the apprenticeship).
Employment - If he wants to work in children's safeguarding then he'll be able to walk into a job. SW with adults is also fairly easy to get into. Jobs in more niche areas such as youth offending or mental health come up less frequently but are something you can work towards when in work. Once you've completed your first 12 months (ASYE scheme) there'll be a jump in salary.
Ignore the gloomy negative people. Most students are mature (25+), with lives and families. They cope. Its a challenging job but someone's got to do it. Mature students bring so much more and these are the people we want to come into social work.
Feel free to PM me if you have any questions especially around applications or interviews.

iamnotalemon · 26/12/2024 15:58

Sounds like a cocklodger to me!

Spirallingdownwards · 26/12/2024 15:33

I assume the daughter's mother will be paying child maintenance to him too as the daughter is only 17 and at college as well as him claiming child benefit so that is additional income while she is in further education. That plus likely maximum loan which isn't taxable may mean he isn't actually getting that much less than he earns now anyway.

Miley1967 · 26/12/2024 15:26

Maybe suggest he should wait a couple of years, get the debt paid off and wait until his daughter has finished education.

Whoyoutakingto · 26/12/2024 15:22

There is some really crap advice on here. Please get some accurate advice firstly on what social work entails, I have family who are qualified social workers and it is not necessarily what the general public’s perception is.Speak to some social workers to gain an insight.Secondly advice on the structure of the course,has he got the qualifications to join the course?He may need to get some qualifications/top up prior to applying. Also it may be possible to do it part-time and continue to work. Finally what the financial situation could be, the comments about getting into student debt are not helpful, everyone who has qualified in any profession in recent years has student debt unless parents have funded which is rare.

stanleypops66 · 20/12/2024 13:37

He will be able to work around his study if he is motivated and organised. My dsis did a SW degree with 2 small children, and a few bits of care work on top.

Rocknrollstar · 20/12/2024 11:06

Has he looked at the Open University, He could probably study for his degree with them while still working.

caringcarer · 20/12/2024 10:56

Bellfox95 · 18/12/2024 14:48

Nah, most the money went back on the sale didn’t really make any profit so we essentially have no savings. Think he made a couple grand at the time but nothing substantial. I’m 29, his daughter would be living with us for free, she doesn’t work and would be in higher education.

If the DD is at college would she not be in further education? If so your partner might be able to claim child benefit for her.

aodirjjd · 20/12/2024 10:19

Some really nasty opinions here. He’s working in a really underpaid difficult job and wants to retrain and do a really worthwhile one where he can do some good in society (not that he isn’t already working in care). And £40k is not to be sniffed at, it’s not megwbucks but it’s above the average wage! How can people sit there and say it’s a rubbish wage/not worth the effort when it’s nearly double the ops? Working in care as you age must be really tough. It’s good he’s future proofing himself.

Also stupid to say he shouldn’t do it because he’ll have student loans afterwards. If he’s working in care he probably earns similar to op. Saying it’s not worth increasing his salary by £15k or so because he’ll pay £100 a month student loans is ridiculous.

Have you checked if you would be entitled to UC?

you should also get child benefit when his daughter moves in and presumably child maintenance from mum? If she stays past college she will need to get a job and contribute.

I think it’ll be tight and you will be living like you are both students for a few years but it’s definitely doable. Make sure he applies for every mature student grant and bursary he can find. I think a lot of unis have various schemes and funds to help with this sort of situation.

AelinAG · 20/12/2024 09:49

in terms of logistics, he’ll get about £10.5k maintenance loan, paid in three chunks. This is definite.

he may also be about to get nearly 5k social work bursary, he needs to speak to his uni to confirm this: https://www.nhsbsa.nhs.uk/social-work-bursary-swb

he may also be able to get a bursary from university to support mature learners or low income students. At my institution (though we don’t do social work) that would give him another 3k.

So there’s a potential for him to be receiving in finance probably a similar amount to his wage in care work, but he needs to look into this in a lot more detail, plan out what he’d receive, is it feasible etc?

Social Work Bursaries | NHSBSA

Information on funding available for eligible social work students

https://www.nhsbsa.nhs.uk/social-work-bursary-swb

ApriCat · 20/12/2024 08:16

Why this year, though, at the same time as moving his daughter in? One big life change at a time would seem more sensible. You could all save and adapt to having her wth you, and he could aim to retrain the following year.

Notgoodatpoetrybutgreatatlit · 20/12/2024 08:14

Just another point, I think the 17 year old daughter who is going to move in should have a job. I always worked from the age of 14 when I was at school then sixth form then University. There is no reason why she can't. Working whilst a student isn't a bad thing it's a good thing. And clearly her dad is not going to be able to financially support her even to give her pocket money as he will be on student loans.
Please don't think she should be protected from work, particularly at your expense.

Georgie743 · 20/12/2024 08:08

Presumably except when he's on placements, he can continue to work full time whilst studying. It's what lots of mature students do - I recently got my masters whilst still working 4/5 days a week in a professional role and being a mum. It was a busy time, but totally doable.

OchreDog · 20/12/2024 07:59

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bridesmaid1024 · 18/12/2024 23:54

I think you'd be best looking at the uni he would want to go to and see how they structure their years so he can get an idea of how he could work if he needed too.
I'm in year 2 of my social work degree - different unis do their years differently.
For example - my uni does

Year 1 - 3 days at uni (10am - 5pm)
Year 2 - 1.5 days at uni (10-5pm & 10-1pm) ... 3 days placement (9-5)
Year 3 - 1 day at uni (10-5pm) 4 days placement

Uni term times for mine are
Mid October - mid December
Mid Jan - mid March
Mid April - end June

Also, in year 2 you can apply for the NHS social work bursary which is about £5,000 I think - not 100% as it comes in sternly instalments.

Student finance
Disabled student allowance (if eligible)
UC (if eligible)
Inform council tax as he would not longer be counted for it

WhoInvitedHer · 18/12/2024 19:50

When I was 28 husband totally supported me training as a social worker. No suggestion of me taking advantage etc financially. Good career and not bad pay. Several years later my husband wanted to retrain and did a degree. Obviously I totally supported him emotionally and financially as well. Some quite nasty comments on here. What's the problem with one person financially supporting the other whilst they re train which should lead to a better life for both?

Bellfox95 · 18/12/2024 18:59

JimHalpertsWife · 18/12/2024 18:44

Whose is the 6k debt?

Why is he paying towards the mortgage when he has no claim on the asset?

The debt is mine.
he pays half of everything, when he moved in we tried to work out what was fair, if he paid for all the bills he would have been paying about £250 more than I was, if he paid half of everything we worked out we’d both be better off than him going to rent ect. If he only paid for half the bills he would only be paying about £300 and I’d be paying the rest and he didn’t feel it was fair (although it would have been the technical correct thing to do)

OP posts:
YellowRoom · 18/12/2024 18:50

Who's is the £6k debt?

JimHalpertsWife · 18/12/2024 18:44

Whose is the 6k debt?

Why is he paying towards the mortgage when he has no claim on the asset?

Ritasueandbobtoo9 · 18/12/2024 18:41

I think he is doing a marvellous thing. Good luck

DontBiteTheCat · 18/12/2024 18:35

OP honestly, if he wants to do it he’ll find a way.

It’s ok saying he needs a solid plan - some unis have you on campus 4 days a week, some have one. I’ve just finished two modules and the next two are on completely different days, so you can’t have it all planned out. Care work is fab because it’s flexible, so if he can do bank work then he should definitely do that.

He could go to the uni open days and have a chat with the course staff? I wish him the best of luck, 3 years will fly by.

YellowRollercoaster · 18/12/2024 16:21

Just because there are no apprenticeships in your area don't completely discount this route.

Find out some of the apprenticeship provider companies that are being used in other areas and call them to see if they can advise on any options.
You can find a list of apprentiship providers online.

jellybe · 18/12/2024 16:19

Look at the student finance website as you can put in figures and work out how much loan he'd get roughly. I completed a degree last year, on that means I now work in the NHS and I got full maintenance loan and fees was also eligible for the NHS grant and my DH earns more than you do.

Yes he will have a load of student debt but that isn't the be all and end all (Martin Lewis has a lot to say about student debt which is worth reading) it really doesn't eat that much into your wages.

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