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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Lost my job and claiming UC- Study or take this job?

36 replies

Wordsandwishes · 22/12/2020 09:51

Posting for traffic.This may be a little long, but I really appreciate anyone who reads and has some advice. Have posted elsewhere too but I think I may get more response here.

For context, DH and I are both 26, and have a young baby. We graduated 5 years ago and had jobs lined up after graduating, both working full time ever since. Everything was fine, paying our own way etc. Then in June, I lost my job due to Covid and in July DH lost his too. Very fortunately, DH secured a job as a learning mentor in a Special Needs School by the of July so we had an income coming in. We took a hit in terms of pay as its lower than what he was previously receiving, but he is much happier with his new role. I have been applying for jobs but it has been tough finding jobs and getting interviews and as a result we started claiming UC as I was now unemployed and DH is on a low wage. I am so thankful for UC because without it, I can't imagine what would have happened.

I had the time to think about what I really want to do and on a whim I applied to a 2 year university training course which by the end you receive the qualifications to work as a clinical practitioner. I had an interview and was successful; the course starts in September 2021. However, DH has finished for half term and has also been offered a better position in his school from September as a member of staff is leaving. The pay is only slightly more, not a big pay rise but would still go a long way given our current circumstance, however, it is unlikely to make a difference in the long run if that makes sense.

So here is where I am at. If I accept the course in September, DH will need to either go part-time or become a stay at home dad to look after our baby as the course is 'learning on the job' and is 5 days a weeks (mix of both clinical placement and lectures and seminars). It is intense and we do not have any family to help with childcare. This would mean I would still need to claim UC (as well as student finance) with the intention of after 2 years we will no longer need to claim as the training would mean I would be able to apply for roles with higher salaries as well as job security etc. I'm not sure whether UC will allow me to become a full-time student and dh a stahd/working part time. The alternative is dh takes his new role with a slight pay rise and I continue looking for work and perhaps pursue the training once DC is at school.

Dh is incredibly supportive and feels the opportunity I have been offered is too good to pass up, I just have several reservations. I don't know what is the best thing to do and I am trying to weigh up pros and cons. I don't want to be claiming forever and feel guilty despite the fact the situation was beyond my control. I want to do whatever I can to try make job prospects better so we can live a good quality of life and having this qualification would allow me to do that. It has been tough the past few months and although UC has relived some stress, we are still going pay check to pay check. This has been hard for me to write up so I may have missed something so any questions please ask. If you have read thus far, thank you and I really do appreciate any advice. I just want to make life feel a little easier than it has been and secure a decent future for our baby.

OP posts:
amaryllisu · 22/12/2020 11:45

@PizzaForOne

What is the student finance you refer to here? I was under that for Student Finance England, you could only get it for a maximum of 4 years and once you've completed a degree you can't get anymore. As such you would be having to source loans from private companies which will have worse payment terms as they aren't tied to your income - you would just be expected to start repaying regardless of your situation.

Seems like a lot of risk to me taking on a load of extra debt when you already have a degree.

Seems like a big ask to ask a partner to go part time/stay at home when you already have a degree.

Seems like a tough 2 years ahead relying on whatever student finance you are talking about and UC.

Can't you just keep searching for another job? Was your degree and industry quite niche?

The rules have changed now - for some healthcare jobs/training you can get a second lot of Student Finance funding..
Buttercupcup · 22/12/2020 12:21

It’s difficult OP my OH has been made redundant in covid from a high level job he has taken a customer service job to see us through and I’m considering ending my mat leave early to as I will be the higher earner. The job market is a shit show at the min. I think you are looking at this too short term and one will end up resenting the other either as you miss out on studying or DH for giving up a job he enjoys and has the potnential to flourish in.
I’m assuming since he works in a school this reduces your childcare needs to term time only in which case a childminder or nursery could be used. On UC there is a childcare element or the tax free childcare account also funded childcare dependant on your child’s age.
I was a student nurse so know it’s difficult juggling placements and home life but it is doable. You can also work while studying while I was a StN I worked on the bank doing night shifts or weekends as a HCA around studying for extra income-it was hard graft but got us through and is a good way to work flexibly and in holidays I would pick up extra.
My advice is DH keeps full time job and you study and work evenings/weekends and put baby into term time childcare. Buckle down for 2 years of hard graft but it will be worth it at the end and neither has to give up anything.

dontdisturbmenow · 22/12/2020 12:26

If you intend to do this course, you must be a Nurse or Physiotherapist already. I thought that role was undertaken along actual paid work.

If the above is correct, it should be too difficult for you to get a job. I'd do so and do the course when your can claim the 30h childcare.

Wordsandwishes · 22/12/2020 14:27

Thanks for all the responses. I think I left out some details which would probably help understanding the situation a little better. I am unlikely to secure a job in my current field as my industry has been badly affected. I was very fortunate to be in my previous role for those 5 years and had a very good income coming in. So in terms of looking for a new role, I am applying for roles in a complete different field and would need to start from the bottom and work my way up and this means financially we would still be in a difficult position until I am able to earn more etc. Which is why I thought if I did the 2 year training, I would train in a new field but secure qualifications that would I can go straight into a band 5/6 role in the NHS with scope to progress in the future.

DD is only3 months and the course starts in September, so she have just turned 1. I was thinking along the lines that by the time I qualify she'll be 3 and I would be able to work full-time without worrying about childcare etc and obviously would not be claiming anymore. DH can continue to work on a part-time basis as I did mention before and as the course is 3/4 days, I can have DD for the other 2 days.

I have applied for jobs and have an interviews lined up for the new year but the course is what I would like to be doing but I am being realistic about my options and trying to do whatever I can to try to make our situation better.

OP posts:
Buttercupcup · 22/12/2020 17:47

Why can’t DH work full time while you study if you pay for nursery or a childminder?

Gotheeunicorns · 22/12/2020 17:54

I think YABU sorry.
The benefit system is under immense pressure already and is there for those who really need it (like you did) . What you are proposing now is a choice and I don't think that is right.

IndecentFeminist · 22/12/2020 18:00

I wouldn't do that. A secure job is gold dust right now. And it would be term time only presumably, so you'd only need the childcare in term time.

UC would help with childcare I think, but I certainly wouldn't drop the only household income in favour of studying right now.

Xmassprout · 22/12/2020 18:06

Why can't the child go in part time childcare instead of your partner going part time?

MegaClutterSlut · 22/12/2020 18:14

You need to look into alternative childcare if you want to study imo. It is so much harder getting a job atm and no one in their right mind would leave one either. plus I'm not sure if UC will help you as much as you think they will if dh gives up his job/goes part time. You may get sanctioned

YasssDahlink · 22/12/2020 18:25

@IceCreamAndCandyfloss

I’d let DH take the job and continue to look for more work.

Benefits should be a last resort and studying as an adult should be self funded. I’d not want my children raised on benefits through choice to pursue a want.

If studying meant that much to me I’d work around it, inc evenings and nights and arrange childcare if needed.

Can you fuck off? Even 18 year olds get state benefits 'maintenance, no council tax' to study. You just sound bitter.
baublesbaubleseverywhere · 23/12/2020 11:33

What's the qualification in, OP? There aren't many roles where you'd go straight in as a band 6 when newly qualified.

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