DS is a tightwad very careful with his money, doesn't go out much, will wear clothes until they fall apart and thinks shopping in general is the dullest thing imaginable (Doesn't take after his mother then!). Now he's moved back home he has no expenses except an annual bus pass, which he has paid for himself, but he's still due a large maintenance loan. (Despite my nagging he still hasn't checked to see if it has arrived in his account yet.)
I've asked him to make sure that Student Finance are aware that he is now living at home as I believe he will be entitled to a slightly lower amount than he would have been whilst living on campus, but, even with an adjustment, he should still get a substantial sum of money, some of which I believe is a non-repayable bursary. Ever thrifty, he is talking about investing it in an ISA!
He has offered to pay me something for his keep but, because it's a loan and not his actual money it doesn't quite feel right to take anything. HOWEVER, I am a lone parent and I lost my council tax discount when he turned 18 and I am feeding and housing him again. (Not to mention all the bloomin' stuff I bought him to move into his accommodation with which is now sitting in boxes in the spare room.)
I've no idea if students who live at home don't usually bother applying for the loan, or whether they do, and then they use it to contribute to household bills. One thing is certain, I've no worries about him frittering it away.