I’m an 18 year old in trouble help please!

[MacLanes]

I’m in debt with my student accommodation I can’t find support to help me because all my family are separated my parents are both in terrible situations and don’t talk to me I try to but it never works. Well I’m not in debt yet but my next months rent is on October 1st for £615 I can’t get a student loan because I’m an apprentice and I haven’t started work yet. What do I do? I had to leave home due to certain issues, I had £800 in my savings and spent it all on a deposit and rent for this place. I need to make atleast £615 somehow before Octobet 1st what do I do!!!???

OP you are getting a lot of bad advice due to your misinformation provided. Because you're not a student. I know you're going to be studying but it's not the same thing. A student is on a full time course and responsible for the fees themselves. They may work alongside their course. This is not you. You are an apprentice (or will be once the job starts) and it is a job, with the employer funding the study elements. You're unlikely to be entitled to any type of student-only finance. You're a person with a full time job, it just happens to be an apprenticeship. If your wage is low you may qualify for some universal credit even whilst working. It is not backdated so get the claim in NOW.

Poster is 18 parents have no responsibility for housing them. Parents also sound shit people in general. OP hasn't asked for money they've asked for help.

First thing is first, take a deep breath. You're going to be okay. This is a relatively common situation for students, and the company you are renting from will be very used to dealing with it.

1. Do you have a contract or any paperwork/emails from the company you are going to be an apprentice with? If so, does any of it mention the apprenticeship being associated with a particular college or university? If it does, contact that college/university's student support services department.

2. you may be entitled to benefits, either short term or longer term. It's important to get the ball rolling on this today, as they don't backdate them. Check by putting your info into here https://www.entitledto.co.uk/ and if you are entitled to anything, start the claim (thought the HMRC or Job centre website) immediately.

3. contact the company you are renting from, and tell them you are worried about paying rent on time this month. Tell them your student loan isn't in yet and when it is now expected, and that you are estranged from your family. The chances are they will be absolutely fine with you and make a note on their system to not expect October's rent for another month or so.

4. Google "temping agency" in your town. You may be able to get temping work to fill the gap until your employment starts.

OP are you a lodger in someone's home? Or living in a flat share?
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I can't see how you've passed any kind of financial checks for a private rented flat with sole occupancy, unless it's someone shady operating under the radar and not declaring the income/providing tenancy agreement or illegally subletting.
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So which is it? Because it affects your rights and the advice you need.
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To claim any housing costs (as opposed to living costs) from universal credit you'll need a tenancy agreement.

Unnecessary.

Op is clearly estranged from their family. They’re 18 years old so whilst legally an adult and parents have no responsibility, they’re still a kid. They haven’t asked for money, they’ve asked for advice.

You need to see if you're entitled to any benefits to top up your income, you might be given your rent is high. As linked above, the entitled to website has a calculator that you can enter your info into. You could chat to a citizens advice too, they will have a lot of info on any help available. If you have to pay your rent late then so be it, not ideal but i’m sure if you explain they will understand. Try not to panic

it’s student accommodation not a private rented flat. They do usually ask for a guarantor - OP who is your guarantor?

With being estranged have you signed up to one of the insurance schemes?

Basically, don’t worry about it, just talk to them. You won’t be the first or last person (today probably) in this situation.

Also DS loan wasn’t supposed to be in till October but got put in yesterday, so it could arrive early.

I've read all the posts that went up while I was typing mine. I don't know what "student accommodation" means. OP if you've got sole occupancy somewhere, you'll be responsible for council tax. You need to claim single occupancy discount because you're the only adult living there, it gives you 25% off and is not means-tested. You may also, depending on earnings, be eligible for council tax reduction which you'll need to claim separately from universal credit.

Halls of residence. Accommodation blocks, usually a number of shared flats, sometimes studio flats, which are managed by a company (in this case homes for students), who usually offer onsite support because their residents are young people navigating life for the first time.

They don’t pay council tax because they’re all students and the usually financial checks etc don’t apply but people have to have a rent guarantor for if they can’t pay. If they’re estranged there are usually insurance schemes.

Morning. I'm afraid you're not a student, you're an apprentice. As such, you have no access to the usual financial support offered to students, though their institutions. You are also no in receipt of a student grand as you say, you're being paid by the employer though which you are doing an apprenticeship.

I'd double check your situation with your accommodation provider as you shouldn't be eligible for student accommodation.

Either way, your source of income is your employer and you need to speak to them about why your pay is being delayed, perhaps ask for this in writing. You're then in a position to approach the accommodation management and explain you're rent will be a little late. You won't be the first, or the last.

Make an appointment to speak to Student Finance at the University or College as they will offer financial advice and guidance to students. Some students have accommodation arrears in the thousands so don't beat yourself up over £615. As long as you have a payment plan, then everything will work out. Don't worry.

This is good advice.

I would also add, try the bars and cafes where you live to see if you can get a part time job that you’ll do while working as an apprentice, to top up your income. You could tell them that you’re available full time until you start work, and that way any landlord can see you are trying your best, and is unlikely to mind waiting a bit until you’re paid.

Always with this stuff be upfront with your bank etc, often they will waive any fines if you tell them you are struggling and give them an indication of when you will be able to get back on track.

Good luck. You can do this! And I hope you enjoy the apprenticeship.

https://www.turn2us.org.uk/get-support/information-for-your-situation/apprenticeships-and-benefits/can-apprentices-claim-benefits

Speak to your uni- student support.

Sorry to hear your situation. Please talk to your employer / HR team. Apprentice accommodation is a hot topic at the moment - whilst there are many benefits to an apprenticeship, there is not the same access as being a uni student.

Good luck!

OP is not a university student though.

Well done for getting an apprenticeship. Also for sorting accommodation out on your own. Hopefully everything will fall into place soon. Try not to worry too much and fully explain yourself to the landlords , Apprenticeships provider and employer. Without asking for help ppl will just assume everything is fine.
The link above should help.
As your accommodation is really aimed at uni students that is why they ask for large sums Oct Jan and April (when students receive their loans). You need to arrange monthly payments.
Best of luck moving forward.

Apply for universal credit.

Do you have a tax free child account - given to you when you were born?

It will be in your name.

Worth asking about - your parents should’ve put it into a bank of their choosing.

Yes. Maybe cynical, but was wondering the same.

If you are starting an appren̈ticeship, who is providing the learning part of it? They should have student services and have emergency hardship funds. Colleges will definitely have one.

My DH was in this situation once when we were at uni. You need to talk to the student finance office at the uni. They usually have some kind of emergency funding they can give you. My DH got a special kind of hardship loan, and they helped fix him up with temporary work at the student union so he could get himself sorted.