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Relationships

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Original poster

DH resentful of student loan repayments

126 replies

StudentLoanWoes · 07/02/2022 20:02

Will try to keep this brief. I was an English teacher until covid hit and dc was struggling g at school and on a part time timetable (still is) and subsequently diagnosed with multiple additional needs. Due to these needs childcare was very hard to find and we made a joint decision to quit my job. The issue is that I had been part time since returning after mat leave and still have a chunk of student loan.

DH has his own business and due to the amount he's earned he's split it between us (for tax purposes) and now has a bill to repay my student loan. He's making me feel really bad by keep going on about how it's really unfair that he's having to repay my debts ut there is literally nothing I can do! It is what it is, I don't have an income anymore due to dc's needs.

I appreciate we are fortunate that he's earning enough for this to be an issue but it's really upsetting. Not sure what I'm asking really, just feel really shit, like he really resents me for it

OP posts:

ChrissyPlummer · 07/02/2022 20:03

Well, he should’ve thought of that before “splitting it for tax purposes”. If he’d not done this, you wouldn’t have to pay anything as you have an income of zero.

ThisIsStartingToBoreMe · 07/02/2022 20:04

Surely it's illegal for him to put you down as an employee for tax purposes if you're not actually working there!

Anyway, he will gain more money using this tax avoidance technique than the student loan costs so tell him that! Sheesh! If he doesn't want to pay it, take you off the bloody books.

Hb12 · 07/02/2022 20:04

Precisely. He tried to work the system, the system worked back.

Fallagain · 07/02/2022 20:05

If he choose to not defraud the country and then he he wouldn’t be in this situation. I think you need to carefully explore the legality of this situation.

Sexnotgender · 07/02/2022 20:06

It’s his own bloody fault! Trying to be a smart ass and it’s coming back to bite him. Don’t let him guilt trip you!

Original poster

StudentLoanWoes · 07/02/2022 20:07

There is nothing illegal about it.

OP posts:

CloudPop · 07/02/2022 20:08

Nothing illegal - correct - but tax dodges sometimes have unexpected consequences

Original poster

StudentLoanWoes · 07/02/2022 20:08

@Sexnotgender

It’s his own bloody fault! Trying to be a smart ass and it’s coming back to bite him. Don’t let him guilt trip you!

Easier said than done. I've said just pay the lit off, yes it's a big hit but going forward it will make financial sense. He's just so resentful. I thought we were a partnership and now suddenly it seems it is 'his money' and 'my debt'

OP posts:

ThisIsStartingToBoreMe · 07/02/2022 20:10

@StudentLoanWoes

There is nothing illegal about it.

There's nothing illegal about it? OK, so HMRC know that you don't do any work there but get paid, and they're ok with that?

EachDay1sD1fferent123 · 07/02/2022 20:10

I thought that a person only paid student loan each month, if they earn over a certain amount eg 25k a year
In that case, is that how much he is claiming that you are being paid ?
You can probably find the exact amount required to be earned to pay student loan

I assume he is paying tax for you both too ?

fenellastripe · 07/02/2022 20:10

It's often the case that financial matters will reveal the true extent of the 'partnership'. Sorry, it sounds very upsetting for you.

Motnight · 07/02/2022 20:11

@CloudPop

Nothing illegal - correct - but tax dodges sometimes have unexpected consequences

Agree. He needs to accept that his actions have conse3.

WTFUterus · 07/02/2022 20:13

I assume he is not defrauding the country and has made you a shareholder of his business and LEGALLY paying you dividends (which you then pay tax and NI on anyway).
Either way, his/your household is benefiting from this income just as you would benefit from any other income you brought it so what does it matter?
Whether you work as a teacher or collect dividends your income will be less your student loan.

AlDanvers · 07/02/2022 20:13

So he has you down as earning how much?

And you don't see any of that money? Its not actually your wage?

MrsTerryPratchett · 07/02/2022 20:13

I can't stand people who work every bloody angle then whinge when they can't get every benefit. They also moan when the public services aren't their absolute favourite. Even though they pay as little as possible for them.

Wankers.

Original poster

StudentLoanWoes · 07/02/2022 20:13

@EachDay1sD1fferent123

I thought that a person only paid student loan each month, if they earn over a certain amount eg 25k a year In that case, is that how much he is claiming that you are being paid ? You can probably find the exact amount required to be earned to pay student loan

I assume he is paying tax for you both too ?

You are correct, and yes he is. The loan repayment is an unexpected bill on top of the tax.

OP posts:

Sunbird24 · 07/02/2022 20:15

He has two options, either he puts all his income in his own name and pays tax on it but nothing towards your student loan, or he keeps doing what he’s doing and stops moaning. It’s his choice, so it’s unfair to be having a go at you.

TeachesOfPeaches · 07/02/2022 20:15

How much is it per month?

Lampshading · 07/02/2022 20:16

Ahah brilliant, perhaps he should have considered this before thinking he's clever. That said he's shown you how he views money, I'd try and get back into work and earning your own money for your sake.

ThisIsStartingToBoreMe · 07/02/2022 20:17

Just point out to him that he is actually making more money using you as a tax reduction tool than he is paying out in student loans. Shut him down once and for all.

Original poster

StudentLoanWoes · 07/02/2022 20:17

WTFUterus yes, exactly. He just annoyed that the student loan is eating into what he thought would be left after tax. I get it, it's disappointing when your calculations are wrong/an unexpected bill occurs but I'm really upset about how he's going on about it, and how unfair it is that he's repaying my debt.

OP posts:

CrinklyCraggy · 07/02/2022 20:17

He's playing tax dodge and complaining about paying money owed to the taxpayer?

There's a very simple solution...

AlDanvers · 07/02/2022 20:18

Surely he is saving far more in tax than he is paying the student loan?

iloveruby · 07/02/2022 20:18

I'm confused - if it is a student loan repayment and you are employed by the business it should be coming out of your PAYE?

Eitherway, he is benefiting by you staying at home - how much would childcare cost if you went back to work?

I think you need to make sure you are financially secure and not reliant on him as he clearly doesnt view the income as family money.

Pontypandytaxpayer · 07/02/2022 20:18

Maybe you can keep reminding him that he's profited from your tax free allowance?

Is he paying the income in your name to himself?

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