Student loans - dim question

[Marmitemyway]

DS off to uni in sept, place is confirmed as he’s on a gap year currently
he’s applied for and accepted accommodation and is now applying for the loan through gov website
I'm confused as to what to apply for - we know he can definitely get the loan for course fees and think you can get a maintenance loan of around £4.5k regardless of household income but there was a question regarding applying for a higher loan which he ticked and now Dh and I have been sent forms but is this the set of the loan you can apply for based on household income ? And if your household income is over £65k ot means you’ll get nothing more
our Household income is over £100k so assume there’s no point in applying for the higher loan
any advice welcome as if it pointless apying then we won’t bother
We assume he will use this loan for living expenses and we will have to cover the accommodation os this the norm when household income is over the threshold ?
Website was so confusing
thanks in advance for any advice

You will only qualify for the minimum loan so don't bother with filling in all your financial details, just tick the box for minimum loan. It's up to you how you then spend it. We pay accommodation direct and our DC live off the minimum loan. Others top up the loan with say £100 a week and the DC pays accommodation from the loan. But yes you are expected to contribute if your DC only gets the minimum loan. And they may need to get a part time job if you can't afford to do that.

If younjust ignore the emails asking you to provide your income, your DS will just get a standard 'minimum loan' offer. Were you them to provide your details and it side make a difference, they would update him with the new amount. But aince you have already worked out that he won't be entitled to any more than the minimum, just save everyone the extra work.

(The other two remembered that they'd been told not to bother to tick the 'lend me as much as I can have' box, but one of ours did tick it, so I checked with SFE - via Messenger iirc - that it woukd be okay just to do nothing).

Your DS will have to reapply for the money every year, so next time you can remind him to apply for "minimum loan only."

There are some other threads about this, but one very common thing is for the parents to "top up" to what the maximum loan would have been. For next year, this comes to around £105 per week outside London (over 52 weeks, some parents pay more in termtime only).

Some accommodation costs more than the maximum loan! 😱Obviously a different approach is needed then.

Thanks the accommodation (halls) seem to be £7k per year which looks like the amount we need to find whilst we leave the min maintainable loan with him to live off then.