DH has asked me to start a thread in AIBU. He will go with the majority.

[Showy]

I am a SAHM. I have a handful of useless degrees. I am not paying back my student loan atm on account of my 'homemaker' status (SLC's term, not mine). They have all my relevant details. They know I have no income, am a 'homemaker' and they have my NI number, the fact I have two young children etc on record.

The Student Loan Company have written to tell me that DH must provide proof of the 'value of his support' in the form of 3 months of bank statements. They are very clear in their letter and on the phone that not providing his bank statements will be taken as me trying to get out of repaying my loan and they will 'take steps'.

DH wants to know if he IBU to...

Think his bank statements are none of their business.
Think his bank statements prove absolutely bog all in terms of my student loan.
Send a snippy letter accompanying his bank statements.
Object to the notion that he 'supports' me rather than being married to me in an equal partnership.

He is quite cross. I am not a bit cross and want to just send the statements (which he is right, prove nothing at all in terms of whether I have money I am hiding from them). I've told him he should not be sending snippy letters to people who are just doing their jobs. He is poised and about to lick his stamp.

So...

IHBU?

No I don't think parents should pay of their children's loans as the children are adults and don't usually have a joint account and completely shared expenses. . Anyway I knew nobody would agree with me on this but it's just my take on the student loands thing.

I don't know about those older loans but with the more recent ones (before the very latest change) they did seem to accrue interest at quite an alarming rate which is why some people wanted them paid off rather than keep deferring as the loan would only grow and grow.

Brum, that link is brilliant thank you. DH can quote that in his snippy letter.

i'd send the bank statements for a quiet life, but redact absolutely everything to do with amounts and details of the bank (sort code account no).

Are spouses liable for each others debts any more?

Just those accrued during the marriage?

I realise that student loan has t&cs which means it isn't, and I don't see why it should be.

I'm sure if OP wanted to pay some from the family money she could!

Viviennemary, it's grossly offensive of you to suggest that the OP or indeed anyone else on this thread does not intend to pay the loan money back. The OP has made it perfectly clear she intends to do so in accordance with the terms agreed by the SLC. There is nothing either morally or legally wrong in doing so.

As for the idea that husbands are liable for their wives' debts - that is ridiculous. I am certainly not liable for my husband's debts and, frankly, if that were a general principle it would destroy the concept of marriage overnight. Why would you marry someone and have to pay off their student loans if you could avoid it just by living together?

blimey, if showy has to defend taking a break from payments while having children I'd better not mention that i owe student loans in excess of 25k, have never made a repayment and am in fact doing a second degree and borrowing more money from them!

student loans are how you access higher education. You pay back as you earn, your earnings will dictate how much you pay and if you ever pay it all off. Some low earners may not pay out all off but they still need degrees to do their jobs and our society needs them to do that.

vivienne say the dh had repayed his sl already. Presumably the slc didn't take the view that his wage was half his wifes and therefore he didn't have to repay because in sharing his wage it put him below the repayment threshold. By the same token, they couldn't now say that his wage was half hers and therefore she has to repay her loan.

Even if every penny goes ibto a joint account and is spent by the wife, she didn't earn it and is not liable to repay a loan from it. Those were the terms of the initial agreement.

And I would never agree yo dh sending wage slips or our bank statements to the slc. They have no right to see what we spend our money on or how much money is in there or not.

They only have a right to know what the OP actually earns, not how much money she has access to!

HINBU. I have been trying to defer my student loan since October. Erudio are crap, they change the rules constantly, ignore the info on the web page and then send letters saying 'sorry about that'. It has turned into a bit of a game for me...and to those who think I am not paying it back ever...when I was earning above the threshold, I doubled my payments to lay it back faster.

My point is, the option to deferral is there for a reason. It is not about borrowing with the intension not to repay a loan.

I have an old style loan and I always defer because of the level of my earnings.
When I took the loan out to fund higher education the expectation was that I would earn more, pay more tax and repay the loan.
In reality, despite working full time and having a junior management post, I still earn below the deferral level.

My employer?

The government!

(my then-husband repaid mine for me even though I wasn't earning, purely to get them off our backs)

his income shouldn't count against both loans - HE didn't sign for you to get yours, after all.

I do wonder what the SLC achieve by asking for letters, mind you. Unless they've got sophisticated means of veryifying signatures, anyone could write anything.

People objecting to the arrangements for repaying student loans need to bear in mind that, not only is there provision for them to be repaid when the student is earning, there is a stronger likelihood of graduates going into higher paid careers and therefore paying larger amounts of tax than they might do otherwise.

I received a letter from concentrix to send bank statements proof ov council tax rent statement nd bills as they query me being a single parent all because my ex got broadband on in his name for my 16 yr old daughter who started college and needed it for course work after i had it disconnected due to finances he also bought a buggy 4 my son out ov a catologue at mh address other thzn these every bill is in my name nd my ex doesnt support me financially im at my witts end not knowing if im honna get my payment this wk xx

That's resurrecting a zombie thread in style!!

?????

Macca - look at the dates of all the posts

ZOMBIE THREAD
ZOMBIE THREAD
ZOMBIE THREAD

I haven't rtft. But i am in a similar Student Loans boat. However, my husband merely confirms that he supports me and that I have no other income. It fucking grates that they basically take his word and not mine but they have never asked for figures. Hth

I was am a stay at home home mum....I paid my student loan back in full....don't see why anyone else should have a get out clause...I borrowed it.therefore I pay it back...I have morals thou

Am new t this thought i was making a new thread sorry

Let's have a sing along with the Corrs!

Zombie zombie Zo-ombe -E-E

Surely its nothing to do with them...student loans are your debt alone and are only meant to be paid back once YOU are in employment and earning over X amount?

I thought thats how it worked anyway

Maybe start your own thread macca go to the main board and there will be an option to create one.