To use child tax credit for therapy?

[ChampagneSparkles]

I've been assessed for therapy and put on a waiting list. I don't know for how long though. I'm really desperate at the moment to see someone and I think it's ridiculous that I have to wait for free therapy.

I'm a student and unable to do any work properly. I can't read or comprehend any concepts that I've previously been easily able to 'get'. I'm going to fail my degree and live a life of poverty of I don't do well, thus letting my DD down.

I feel like I'm going crazy. I have a young DD and get CTC for her but my outgoings are quite low and my mother buys her clothes if she needs them.

I need therapy now and the only way I can get help asap is to pay for it.

It's fair to say your therapy will benefit your dd in the long run so I would say yes it's acceptable to use the money. ...

It's family money - spend it as you wish (as long as you aren't neglecting your daughter which if doesn't sound like you are.

If it will benefit you both in the long run then go for it.

Does your university not offer a free counselling service? They're usually quick to get students seen.

Of course it's fine. CTC are to cover general family costs of raising children, however that may be.

Hope the therapy goes well

Yes agreed with Bloopbleep - every university provides a counselling service and you shouldn't have too long a wait.

If it benefits you, and ultimately your daughter, I'd say go for it

This os hardly a frivolous waste of money. Do it! You deserve to get the help you need and your DD will benefit in the long run.

Universities do have a counselling service but it depends on how many students are on the list already and how many counsellors they have!

Go for it, it'll benefit you and your daughter in the long-term!

I would say absolutely use the money to help you get back on track if it's not going to mean you can't afford essentials for your dd. As you say, completing the degree will give you better employment opportunities and will benefit you dd far more than extra outfits etc. University's do have counsellors, however they are in my experience majorly oversubscribed, I had to wait months and then didn't find it useful as they only offered CBT which wasn't for me, and didn't take into account family history of bipolar and I ended up temporarily dropping out as I could no longer cope. I wish I had the funds to go private at the time, as returning after a big gap is daunting! Good luck to you and I hope it can help you make a success of your time at university