AIBU to charge my DD rent to live in a flat I have bought?

[Canadianskates]

I am in the (fortunate / unfortunate?) position to have inherited some money after both of my parents died a few years ago. I am using it to purchase a small flat so my DD can live there when she is at university and since the cost of halls / private student lets is shocking. She would have a flatmate who would pay the market rate for rent but I’m struggling to think of if / what to charge DD.

She got a student loan in her first year and pays her halls from this. She also received some of the inheritance which will help with daily living costs across her whole degree so she won’t need a student loan each year.

Part of me wants to help her re hugely reduced or no rent but I also don’t think she should just have a lovely flat for totally nothing either. I don’t want her thinking she doesn’t need to work to get things or that money / flats just fall into her lap. It wouldn’t feel right to charge her the market rate either though.

I’m struggling what to do. AIBU to charge her rent & bills? She is 19 and plans to get a part time
student job too.

I certainly wouldn’t charge her rent. She already has loans and a part time job !

I'm aghast at certain posters insisting that charging your student child rent is somehow the 'responsible' thing to do and will teach your child how to manage money. WTAF?

All it will teach your child is that you're very happy to take money off them when you really don't need to. Trying to dress it up as some kind of financial lesson is laughable and just demonstrates that you love money more than your child.

I wouldn't charge my daughter rent.
I also wouldn't want my kids to miss out of living in halls at University, it's part of the experience.

Oh people say this all the time to try and convince everyone/themselves that the only reason they're taking money off their kids is to help them. It's crackers!!! (If they really wanted to help them, they'd take the rent and put it into a savings account for when they finish uni)

Surely any wealthy parents pay their student's rent? I don't know anyone in my peer group from school who didnt have their rent paid for them
So why would you charge her rent?

Seeing the huge debt my son came away with after uni, I wouldn’t charge rent on a flat I owned outright. She needs to pay her own bills though. The flatmate needn’t be aware of your private arrangement.

Charge her rent, put it into am account, and use it to clear her student loan. It’s going to be really good for her to learn to pay monthly accommodation bills now. Teach her to budget! Too many kids have stuff handed to them on a plate whilst racking up hideous debt of student loans, you can fix this in one go ideally.

You simply don’t understand how student loans work. Interest is charged from the moment you take the loan out so the rent charged will not clear it. It’s pointless and expensive to do that!