Splitting up over student finance

[samsonthecat]

I’m in bits. Dp of 5 years who lives with me will not allow me to add him to DD student finance application. The rules say I have to give his details as household income. The only way out I can see is that he moves out and we are over.
i am heartbroken and would like a hand hold please.

I’m aware of that but surely the original post is about the humongous tuition fee /loan amount?

Yeah he'll just have to move out. You really don't want to try and play the system here

Okay got it. From what I understand:
DD will get full tuition fee loan no matter what as it’s not means tested anyway.
OP and DP “decline to support application” and don’t provide financial info. DD therefore gets minimum maintenance loan. OP sends money to daughter instead of to student loans company and avoids DP moving out.
(?)

If a student doesn’t qualify for the full loan amount then the shortfall needs to be financed. That would be through household income. In my case if my DH has to fund his daughter (he will in part as the qualifying household income is stupidly low- neither of us are high earners) then the money comes from our joint finances. They wouldn’t need to know about household finances if the expectation wasn’t that the entire household would be responsible. We barely scrape by as it is.

That's not how it works 🤦🏻‍♀️

What details do you need to give? Is it just his salary or are there other details?

If it's just his salary and you know how much he earns, he can't stop you including him in your household income. You just write down your total income on the form.

If you don't know how much he earns then you've got bigger problems than your daughter's student loan, IMO.

Tuition fees ARE NOT means tested
OPs child will get that in full REGARDLESS for 4 years

The "means testing" is whether they get
"not nearly enough" or
"nearly enough"

That's not how it works 🤦🏻‍♀️

How isn't it? Her household income will be her own income if he doesn't live there.

Tell him to move out. Sounds like you will be better off all round.

Just don't put the household income in

Do you know his income?
could you include his income in your figure so the total household income is true and accurate but his name isn’t there?

OP, there is also a point here that surely you don’t need his permission to declare he lives with you? He should tell you how much he earns anyway and since it has no impact on him, I don’t see the issue. It doesn’t make him a guarantor.
?

This.

Also, if he did complete the application you wouldn't find out how much he earns (and he won't know how much you earn) if your DD is awarded the minimum loan then you can estimate how much he earns. Is that a big deal for him?

If hr doesn't complete the application then your DD will get the minimum maintenance loan and a loan for the course fees. The question is, will it be more cost effective to top up her loan so she can afford accommodation etc, or have your partner move out?

Just don't put the household income in

But she doesn't want to do that. She wants her daughter to get all of the loan she is entitled to.

And anyway that doesn't explain why 'that's not how it works'.

What’s not answered is why he won’t cooperate with OP. It’s a bit weird and I’m a bit confused .

What happens if the child lives at both parents?

@Stuckinthemiddle7890 their combined income would be used to calculate what amount of loan the student is permitted. The tuition fee loan isn’t means tested, the maintenance loan is (based on household income).

If OP doesn't complete the household income section her DD will receive the minimum maintenance loan of £4,737.

If her DP declares his income alongside hers, DD will receive (say) £6,000 from Student Finance. If her DP moves out and OP only has to declare her own income her DD will receive (say) £8,000 from Student Finance.

Her DD will receive a loan for her tuition fees regardless.

It's entirely up to OP how much additional support she can give her DD. Many families try to top up the maintenance loan to the maximum loan of £10,227. The only person who will ever need to repay anything to Student Finance is her DD.

I lodged with another family when I was applying for student finance and I just filled out a form to say I was "estranged from my parents and they weren't supporting me". When in actual fact I wasn't estranged.

Maybe she could do the same?

He can decline and the loan is automatically calculated on a household income of over £25,000.

The bar is so low that it's not going to make much difference if he declines. I'm assuming your joint salaries are over £25k? If so don't worry. He can decline and she'll get minimum loan award as she would have done if he'd stated his income.

It's not a big thing. I declined to give my income on the forms a few years ago. You just tick the box to decline.

If you’d only get the minimum loan for your son anyway (if joint income over a certain amount) then you don’t need to provide the income details as you’ll just get minimum as standard

We’ve just been through this process and didn’t declare household income as we decided that between me, my ex and my parents, we will pay for ds’s accommodation. He then applied for the minimum maintenance loan, based on what he can live on with a little help from us.

My ex (ds’s dad) earns quite a bit more than my partner who lives with us but my partner wouldn’t have had a problem with declaring his income, or in helping to support ds, which he will be indirectly as money from me impacts on the whole household.

These are factors you need to consider when deciding whether to move in with someone with children.

There's an option not to declare incomes, you get the minimum loan. Dd doesn't declare ours

Why is the his partners daughters uni living expenses his responsibility and his 'fair share'? Surely the daughter has a mum and a dad to pay for her. Mums boyfriend is not legally or morally obliged to donate too.

What, the combined income of both separated parents, and presumably both their new partners which they live with? Surely not.