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Student and Universal Credit Woes

229 replies

Kefte123 · 07/12/2018 22:12

I'm currently a full-time university student and a single mum with two children. I ended up splitting up with my partner of over a decade, partly because he didn't want to move closer to university with us.

So I found my own house to rent and I sorted my student finance and applied for universal credit. I thought I'd be okay, because I had someone do an assessment of my entitlements from a charity prior to moving in and I've had single friends who have done the same and I spoke to them about finances (they were on tax credits). I really felt I'd be okay.

Today after several weeks of waiting I got my Universal credits award of £88. If my eldest child wasn't disabled it would have been £0.

Basically, I'm now living on student finance, child benefit and £88....and my son's DLA. I don't get much more than a single mother out of work or student without dependents, except I have books, transport (fuel, parking, insurance, upkeep), school dinners and 15% childcare costs (approx £500 per month , that's if my car doesn't need major repairs). So I'm worse off than them. I've searched for help with bursaries and financial aid, and I don't know where to turn.

It doesn't help that student finance isn't paid in a regular sum. It is paid in smaller increments at the start of the two semesters (get just over half in that period), then a larger sum towards the end of the second semester. Which means my actual time at university for 9 months is only about £700 month. How is a mother with 2 children supposed to live off that?

So now I feel terrible: I've broken my relationship down, I've moved my children into a different home and new schools and I'm now just poor and verging on quitting everything. I don't think I have enough money to survive over the course of the Christmas period, I have just around £600 - that's for rent/car payments/fuel/food/electricity. On top of that my house was rented with no carpets or flooring. I have barely any furniture. This is poverty.

I have a very intensive degree on a foundation programme for medicine, which means there is no time to work around the degree as a single parent and I could only work Sundays (and I would have to rely on my partner for childcare). My ex-partner does give some support, but it's not enough to fill that gap as he doesn't earn much more than minimum wage himself and has a mortgage to pay.

I'm desperately trying all avenues for help, checking if the universal credits is correct. The helpline was unsympathetic and saying I should just budget and how I get £10,000 a year in student finance and anyone can survive fine on just that. I keep breaking down my basic outgoings and how they don't cover my income, they don't care. I'm losing the will to live and I have two summative essays of 2000 words to hand in by Thursday and I can't concentrate. I'm so close to failure.

OP posts:
morethanaword · 09/12/2018 15:48

I'm wondering if OP did the 'wrong set' of A Levels for medicine or perhaps underachieved hence the foundation year as it adds an extra year and would like an answer to this as some posters have mentioned this but OP hasn't answered. I know at some universities, some polys do foundation year bursaries, it's mostly the RG's that award them for the UG and PG as opposed to FY.

Hope your situation gets better OP nonetheless.

Shepherdspieisminging · 09/12/2018 16:25

This reply has been deleted

Message withdrawn at poster's request.

themachinestops · 10/12/2018 20:03

This thread is unbelievable!!

Majority of the people commenting have NO IDEA what Universal Credit is doing to people, starving Children, you all have no idea.

Under UC, for Single Parent's, minimum wage work does NOT pay. Anyone can look up the pay cycle problems, the RTI problems, and the surplus earnings problems, and the serious childcare problems. It's complicated, but I can explain and break down to anyone who thinks it's better to work under UC!!

Students are also absolutely HAMMERED on UC compared to the old systems. Student single Parents get about £400 a month less than anyone (single Parent's) who are or aren't working!! I can post calculations to prove this. Many, many student Parent's are leaving their courses because they are unable to meet even basic living costs on UC compared to the old system. Being a Student Single Parent on UC is the worst case scenario of all 3 (not working, working, and studying) and often isn't even possible!!

OP, if you could post your total amount of student finance, assessment periods, ages of Children , rent (private or council) etc, I can calculate how much UC you should be entitled to if you want ?? (often it's zero sadly). So Student Single Parents are expected to live fully on a loan of around 9000 a year and Child benefit only.

It's almost impossible, unless you can work 10 hours plus on top, to fit around Uni, and have no Childcare costs.

The current government have made it almost impossible for single Parents to even study!!

OP, I would like to try help you. Basically, UC calculate your whole student finance (even if you don't take it), and put it through 8-10 'assessment periods' (months of the year).
Working people will get a disregard of over £200 of which their wages aren't counted and then only 63p of each £1 in wages is counted as income. On the other hand, student loans (including the Parent's Grant, but not including Childcare grant) are taken £1 for £1 from their UC award, the only disregard is £110 a month. This is why Students are being so hard hit. I have 2 Children, and would be entitled to only £172 a week student finance plus £35 a week Child benefit and NO UC.. My rent is £125 a week!!

OP, I would suggest that the only way you could afford to do this course under UC rules would be to move in with family and therefore have no rent to pay, or else you find a job at more than ten hours a week on top of Uni, cause then your meagre £88 UC shouldn't be deducted too much. You can also (apparently) get full UC (about £1200) during the two months of the summer holidays (but not if you are working, and I expect they will try not to pay this either, but you can fight them).

If you want, I will do calculations for you, I know how to do them, have learned, even for Students, just ask.

Unless you personally have to claim UC, you shouldn't be commenting on this thread tbh. You have no f'ing idea what they are doing. I work 30 hours a week, and UC take £290 a month off my UC for old debts for example, and my employer pays early for Xmas, I'll have nothing from UC in January and only £700 wages to pay £500 rent and keep 2 Children fed and warm and clothed - that's £50 a week after Rent!! My ex partner can't pay maintenance because he is subject to Minimum Income Floor and Surplus Earnings regulation on Uc and because of this and what Uc take off him he only keeps £617 a month of his £1200 earnings!!

Open your eyes, read the regulations and learn the calculations before you judge. Try to put yourselves in the shoes of those who have such low earnings they need to claim. They are finding ANY excuse not to pay any top ups to anyone. Wait until you are in this situation, you will see exactly what I mean..karma..

malificent7 · 10/12/2018 20:10

Im getting 215 pcm uc, 4000 a term maintenace loan and grant combined plus a bursary from university and i work making 200 a month. So ots tight but i dont pay council tax. Not impossible and im doing a shortage subject so thete are jobs.

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