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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To deliberately use public funds as an income for courses you have no intention to pay back or use to get a job forever?

80 replies

Chinsupmeloves · 15/02/2026 21:02

I will ask the above general question first before giving my reasons afterwards.

Do you someone who has intentionally planned to take free courses while on benefits just to avoid having to look for a job? Even to the extent of a degree to use the loans as income but never intending to work to pay them off? Clearly bright enough to be accepted but calculated to do this.

Just one of those things you think about when you observe how a friend has spent their life...

Pregnant at 17, lived at home, parents raised the child and another baby age 19, the same situation. Didn't and wouldn't get a job or go to college, only benefits.

At age 27 decided she should start to do something with her life, moved out of home with latest BF, also unemployed.

Because on UC able to access free courses. Over the next few years tried a few different things like childcare course, hairdressing, beauty, therapy, dropped out of all with excuse of anxiety and depression. (She really doesn't have these, although tried to get diagnosis, rather just very lazy and entitled)

Early 30s, did an access course and then a degree which required attendance 3 hours a week but in covid times it was online. Did the bare minimum to get a pass, we were delighted and hoped this would be her inspiration to make a career.

Nope, it wasn't the course for me, doing another one, again minimal attendance and cba so failed.

Ok try again, another degree, didn't attend or do the work so another fail.

Both of these were excuse for MH issues, which she has blatantly told us she faked and viewed and planned for the grants and loans as 'her income' with no intention of ever paying back.

It's been calculated by her on UC to avoid looking for employment by studying and money in that way, also to validate to us all that she's doing something other than sleeping and watching TV, which we all know she does every day.

The SM responses of wow you're amazing, well done, are delusional.

Now she's almost 40 and hasn't had to work a single day in her life, hoping to apply for next degree...

It's made me wonder how can this be allowed? It seems while appearing to be active studying to gain employment It's not always the case.

Get funding, start a course, drop out proclaiming MH issues, do it again and again.

Oh and she has been successful in getting a diagnosis of depression. A GP has to acknowledge and send for referral, patient doesn't go to free counselling appointments because too overwhelmed, passed up to a higher level.

The bitter pill is I do actually have anxiety and depression, take medication, have worked since age 16 and built a career/paid off student loans.

OP posts:
Madthings · 15/02/2026 22:13

Octavia64 · 15/02/2026 21:03

I thought the government only funded one degree?

Correct unless its in a sought after area some health ones but very competitive snd hard to get s place. Most of this op sounds factuwlly incorrect as if you get UC they view student loans and grants as income and deduct it from your UC.

But why let facts get in the way of some nice stereotyping and benefits system blaming.

Chinsupmeloves · 15/02/2026 22:14

NonComm · 15/02/2026 21:32

I knew someone who stopped school at 15, refused to get a job and got in a lot of debt that her mother paid off. Since then she has married, bought a discounted house from a relative and has run up thousands in remortgage debt. Her husband is only a little better - she won’t work but he gets a job just before bailiffs are due. This has happened at least three times.
They were given public money for him to start a business which failed - no intention of doing it and no requirement to pay back, she too has had student loans but cba to attend. She spends her days on the intranet and is utterly enabled by her siblings.
When challenged, she goes berserk and then NC.
She is now 64 and still tells everyone that she will get a job one day.

This is exactly what I'm saying, some people simply won't ever take responsibility to earn and expect and rely on others to pay for their existence.

If i hadn't met her at an early age and become bonded then I wouldn't know anyone else like this.

OP posts:
SergeantWrinkles · 15/02/2026 22:15

Universal credit takes student loans into account as income and reduces accordingly. They also consider a degree full time education (although having children can be an exception I believe?) so I’m struggling to see how she’s rolling in it in quite the way you’ve suggested? It’s my understanding that you can only get one degree funded through student finance, so I’m not sure the information you’ve got there is quite accurate? But honestly, you clearly don’t like her, and I fail to see how this relationship serves you so perhaps you’re better off distancing yourself from her and working on your own issues?

Maybeitllneverhappen · 15/02/2026 22:16

I understand your exasperation. My daughter has had diagnosed anxiety and depression for 15+ years and yet has managed to work. My brother in law's daughter in the other hand has behaved like your friend. About 45 now and has never worked. She's done dozens of courses and when asked at the end of each one whether she has job plans always says it's not really for her. Always lived on benefits with no intention of working. Managed to have children now so will never work. Somehow she manages to have a full social life; rock choir, political activist etc. Makes you mad.

Chinsupmeloves · 15/02/2026 22:18

RaininSummer · 15/02/2026 21:39

I don't think you can get more than four year's loans for higher education.

It seems you can, especially for permitted circumstances, so able to restart when you say you're ready to try again.

OP posts:
sharkstale · 15/02/2026 22:19

SergeantWrinkles · 15/02/2026 22:15

Universal credit takes student loans into account as income and reduces accordingly. They also consider a degree full time education (although having children can be an exception I believe?) so I’m struggling to see how she’s rolling in it in quite the way you’ve suggested? It’s my understanding that you can only get one degree funded through student finance, so I’m not sure the information you’ve got there is quite accurate? But honestly, you clearly don’t like her, and I fail to see how this relationship serves you so perhaps you’re better off distancing yourself from her and working on your own issues?

This

Charlize43 · 15/02/2026 22:20

Not sure if anyone has already mentioned it but Student Finance England (SFE) will only give you loans to fund for 4 years.

If she'd started a course and later dropped out, that would be one of her years gone. If she dropped out after 2 years and then started a new degree she would only get funding for 2 years and would have to self fund her 3rd year.

It is not possible to secure funding to do multiple degrees.

ProudCat · 15/02/2026 22:20

Chinsupmeloves · 15/02/2026 22:18

It seems you can, especially for permitted circumstances, so able to restart when you say you're ready to try again.

You can't. There's no way you can get multiple loans to do multiple degrees. Just saying it's the case doesn't make it the case.

Moen · 15/02/2026 22:22

Universal credit deduct student finance pound for pound.

You can’t get SF for multiple degrees.

Are you sure your “facts” are right OP?

Chinsupmeloves · 15/02/2026 22:25

BatchCookBabe · 15/02/2026 21:43

Who is this person that you know such a phenomenal amount about @Chinsupmeloves ? Wink

I don't even know this much information about my own family members - including my adult DC!

Maybe focus on your own life, and stop stressing over others.

.

Edited

Practically part of the family, have known her almost like a sister throughout my life and we were close friends at school. Even when I moved away she was always there in our lives, like an extra child.

Just one of those people, if you haven't experienced yourself, immersed herself into us and we always supported her and tried to give guidance. Very bright, likeable, just really could never be bothered to push herself, inherently very lazy and expecting others to do things for her.

OP posts:
Chinsupmeloves · 15/02/2026 22:26

FiatLuxAdAstra · 15/02/2026 21:47

Won’t or can’t?

Honestly won't!

OP posts:
PaperBlueCornflower · 15/02/2026 22:27

YesSirICanNameChange · 15/02/2026 22:06

Not sure how she's getting all these degrees funded.

In Wales, you're only eligible for one lot of student finance unless very specific exceptions apply. I've been able to get funding for a second degree because I made the fun less employable choice the first time around and am retraining in a high demand area now, but the criteria is incredibly strict on which courses qualify.

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Chinsupmeloves · 15/02/2026 22:30

BatchCookBabe · 15/02/2026 21:43

Who is this person that you know such a phenomenal amount about @Chinsupmeloves ? Wink

I don't even know this much information about my own family members - including my adult DC!

Maybe focus on your own life, and stop stressing over others.

.

Edited

To add, I have a hell of a lot going on in my life but she is always there in the background. As I've said I'm at the point of exasperation and do feel the need to cut off completely but it's difficult as me and my family have been such a huge part of her life.

OP posts:
Fgfgfg · 15/02/2026 22:31

It's four years funding for a degree. If they accept exceptional circumstances you may get five. If she's managed to get a degree she won't get funding for another one unless it's teaching or health related and she wouldn't be able to take the piss because of having to work on placements.
Another course may accept her but then she'll be billed personally for the fees, wouldn't get the support funding and if she becomes a debtor to the university they'll exit her. There's a separate loan system for postgraduate but if she's not got a good degree she's unlikely to be accepted for that.

PaperBlueCornflower · 15/02/2026 22:31

Chinsupmeloves · 15/02/2026 22:25

Practically part of the family, have known her almost like a sister throughout my life and we were close friends at school. Even when I moved away she was always there in our lives, like an extra child.

Just one of those people, if you haven't experienced yourself, immersed herself into us and we always supported her and tried to give guidance. Very bright, likeable, just really could never be bothered to push herself, inherently very lazy and expecting others to do things for her.

It sounds like a really uncomfortable situation for you.

Fgfgfg · 15/02/2026 22:31

PaperBlueCornflower · 15/02/2026 22:27

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Teaching, nursing and some other health jobs.

AimlessAndClueless · 15/02/2026 22:31

I opened this thread and genuinely thought it was about me. It isn't though (I don't have kids).
I am on UC due to several mental health issues, and I am awaiting assessment for both ADHD and autism.
I have worked, but I have also spent a hell of a lot of time and money attempting courses.
I have been to uni twice, and had a conditional offer for another time (I failed the Access course and gave up trying again). My last uni attempt was fully funded by the NHS, and I had a small amount of bursary too. I had to drop out due a massive breakdown. I still have student loan hanging over my head from my first attempt at uni which was about 27 years ago.
Lots of money spent and wasted on OU courses, evening courses, and recently I tried one of the government funded level 2 courses (in mental health), and I could not even do that. Turns out I can not do self directed study. I need a class room and a teacher.
At school, I just about got my GCSEs. I dropped out of A-levels.
Every few years I come up with a career I want to do, and burnout just trying. It is exhausting, and I hate I am like this.

fashionqueen0123 · 15/02/2026 22:34

The second degree unless a specific type like said above, she won’t get finance for

Chinsupmeloves · 15/02/2026 22:39

PaperBlueCornflower · 15/02/2026 22:27

Can you tell me what sort of thing might I be able to get funding for in order to retrain? Decades since first degree and looking for a route to retrain after years of caring.

Apply for the degree, be accepted, fill in the forms for any available grants and student loans

OP posts:
Chinsupmeloves · 15/02/2026 22:39

Chinsupmeloves · 15/02/2026 22:39

Apply for the degree, be accepted, fill in the forms for any available grants and student loans

Good luck 👍 💓 ✨️ xxx

OP posts:
Chinsupmeloves · 15/02/2026 22:44

Madthings · 15/02/2026 22:13

Correct unless its in a sought after area some health ones but very competitive snd hard to get s place. Most of this op sounds factuwlly incorrect as if you get UC they view student loans and grants as income and deduct it from your UC.

But why let facts get in the way of some nice stereotyping and benefits system blaming.

Unless they know this so stop claiming UC while living in a house with and paid for by parent and give up claiming for another house as SP when not living there.

There really are ways and means most aren't aware of unless you know first hand.

OP posts:
PaperBlueCornflower · 15/02/2026 22:45

Chinsupmeloves · 15/02/2026 22:39

Good luck 👍 💓 ✨️ xxx

Thank you, I thought it was impossible. I'll look into what I could do.

AimlessAndClueless · 15/02/2026 22:47

Also, I have not attempted full time education since being on UC, but I have a friend who wanted to do a uni course whilst on ESA and she was told she would lose her ESA entitlement as if she could attend a full time course then she would be considered fit for work.

TerrysNeapolitan · 15/02/2026 22:48

Yep know several of these characters - it is nothing but playing the system and they gleefully boast about it. Why do people not wake up to this?