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Secondary education

Connect with other parents whose children are starting secondary school on this forum.

OP posts:
Alexandra2001 · 04/11/2024 18:23

Livelovebehappy · 04/11/2024 17:59

How Starmer is behaving since getting into power really shows people should always take politicians manifestos, leading up to elections, with a pinch of salt. They can always go back with ‘but we weren’t aware of what we were left with following the last government’. They really are just liars and manipulators, yet people still take what they say as gospel.

Where would you have got the money from to keep Uni's viable?

The state of their finances, isn't down to Labours 4 months in power but the Tories 14 years...

titchy · 04/11/2024 18:30

Araminta1003 · 04/11/2024 17:56

It can be cheaper to rent in eg Germany in a house share and attend a uni there. If you have a legacy EU passport. Well worth looking into all options now. Especially for tech/STEM/engineering.

And where do you suppose parents get the money upfront from to fund fees and maintenance - no loans for EU study (RoI excepted).

DanielaDressen · 04/11/2024 18:42

titchy · 04/11/2024 18:30

And where do you suppose parents get the money upfront from to fund fees and maintenance - no loans for EU study (RoI excepted).

I thought there were no fees in some European countries? If that’s true and rent is cheaper then it could be no different to having to make up the maintenance loan shortfall here

Araminta1003 · 04/11/2024 18:44

No fees in several European countries but in some you need an EU, EEA or Swiss passport. And some have very very minor fees.

Alexandra2001 · 04/11/2024 18:46

Araminta1003 · 04/11/2024 18:44

No fees in several European countries but in some you need an EU, EEA or Swiss passport. And some have very very minor fees.

I think, so long as qualifications are recognised, more young people will go abroad but it wont be poorer families doing this, this wont be the last fee increase.

Well Done UK PLC.

Tiredalwaystired · 04/11/2024 18:47

DanielaDressen · 04/11/2024 18:42

I thought there were no fees in some European countries? If that’s true and rent is cheaper then it could be no different to having to make up the maintenance loan shortfall here

Oh yes. I’ll just give my kids their European passport and they can go do that.

EasternStandard · 04/11/2024 18:48

SinkingVoter · 04/11/2024 16:33

Well students aren't working people are they. Not sure what else they would expect...

True. Mind you the 'working people' part is a bit suspect too

TheGoldenGate · 04/11/2024 18:51

Araminta1003 · 04/11/2024 14:58

“And looks like a complete overhaul coming.” And that means what exactly?

If the fees become means tested I will be sending my remaining 2 abroad to study for free where they will likely remain long term and contribute to that economy. I do not mind paying a bit more to account for inflation, but if it affects my own pension or retirement etc further, we are out.

How is that possible? All countries in EU from 2026 require not only citizenship of a country but also proof of residence there( tax) to study for free

Vettrianofan · 04/11/2024 18:51

So relieved to be raising DC in Scotland where fees are waived.

Alexandra2001 · 04/11/2024 18:51

Its always amazed me that SAHM and Students are classed as "Economically inactive"

Being a "mum" (i inc dads in this who stay at home) is fucking hard work.

titchy · 04/11/2024 19:17

Worth noting (and the press hasn't yet picked up on it so MNers probably won't have) is that foundation year fees for classroom based courses drops by £4k from next year as well. So some institutions may well find their fee income declines despite the modest increase to headline fees.

Araminta1003 · 04/11/2024 19:25

@TheGoldenGate if you are an adult with an EU or EEA passport can’t you just get a part time job and become tax resident and then enroll? One of my DC is at ETH Zurich with an exchange programme lined up for MIT and probably Masters too, has a job in a tech company part time paying loads for a student. That was only possible for us financially because a family member has a spare room but DC entirely self sufficient, will have zero debt and is getting an outstanding education. I am sure I will find options for the other DCs, they are all on track for top grades too.
Not a single member in my entire wider family across several continents is not a higher rate tax payer. I am sure my DC will be too eventually. The way this country is going it is better if they try options abroad too. Unless they want to be eg an English lawyer courses abroad will expand their horizon, improve their language skills. It’s a no brainer for us. They need to try at least and are up for it.

Tiredalwaystired · 04/11/2024 19:31

Alexandra2001 · 04/11/2024 18:51

Its always amazed me that SAHM and Students are classed as "Economically inactive"

Being a "mum" (i inc dads in this who stay at home) is fucking hard work.

Because the emphasis is on the word economically, not on inactive.

titchy · 04/11/2024 19:38

That was only possible for us financially because a family member has a spare room but DC entirely self sufficient,

lol. Living rent free in a family members spare room is not what most people would consider self suffices - the opposite in fact! Entirely dependant!

StandingSideBySide · 04/11/2024 19:43

Alexandra2001 · 04/11/2024 18:23

Where would you have got the money from to keep Uni's viable?

The state of their finances, isn't down to Labours 4 months in power but the Tories 14 years...

Some money could be saved by the Government / tax payer not paying for 18plus degree based apprenticeships.
Students doing them should get a student loan like Uni students.

( The Govn pays up to 95% of fees when employers don’t pay the full amount )

Ubertomusic · 04/11/2024 20:32

Araminta1003 · 04/11/2024 16:48

Look 9 per cent extra tax means you won’t get a mortgage! So no hope of getting on the housing ladder even for higher earners. Anyone considered that? How is the next generation going to have children?

My children will never be able to get on the ladder anyway, even without the extra 9% tax. The salary/mortgage/house prices ratio has not been working for a long time, in London for sure. A studio in our area is 215K, banks will never fund that.

wowzelcat · 04/11/2024 20:39

It could be worse…this article from the United States from a few years ago may give food for thought. A guy lived in his car for two years to pay off his student loans.
https://www.bkmag.com/2015/08/26/how-to-pay-off-student-debt-live-in-your-car-for-two-years/

About 12 years ago, I paid off 68K in US dollars of student loan debt…the amount was high as I earned two graduate degrees. If I defaulted/didn’t pay, bailiffs could have been sent in and repossessed my car and belongings.
There is also no income threshold in the USA for repayment of student loans…I had to pay immediately after graduation.

Whilst IMHO, university fees should not exist whatsoever, at the least if your DC don’t make a high income, they won’t have to pay their loans. It might be small comfort, but it is more humane than the American system.

I also might offer that the slight increase in fees in no way will make up for NI increases as well as the foundation year drop in tuitions, and the drop of international students. And of course we have inflation. I think it may be more of a ploy by the government to keep the universities quiet or for them to look like the government is doing something. Most university lecturers are making about 25% less money per year in real terms than they did in 2014; this latest increase in tuition will not reach them. I am thankful every day I retired from higher education.

Ubertomusic · 04/11/2024 20:41

Araminta1003 · 04/11/2024 16:55

“Of course I have. But that’s not a change from the previous government policy.“

Labour are meant to be better for the young than the Tories!

They were meant to be better for not-so-affluent people but in reality it doesn't seem to be the case. They are thrashing pretty much everyone around 🤯 I haven't seen such a firework of absolutely bullshit policies for a long time, and I used to be a Labour supporter 🙈

Ubertomusic · 04/11/2024 20:46

Araminta1003 · 04/11/2024 17:19

I have fully understood and don’t feel comfortable with my DCs being in so much debt. So uni in Europe it will be for us. For free. Maintenance they expect us to fund anyway.

I can only hope EU unis won't charge us much more in a few years time... Germany is still being nice with us, but their problems are mounting too so probably won't be that generous...

Ubertomusic · 04/11/2024 20:50

PinkFrogss · 04/11/2024 17:26

For someone who has posted a lot of this thread and is clearly passionate about the topic you are sadly misinformed.

Do you genuinely think people with student loans are unable to get a mortgage?

And your reference to 49% tax etc is ridiculous. It’s 0% on some earnings, 20% on some, 29% on some, and then 49% on the top bit. It’s not 49% on everything so not a 49% tax in any shape. There’s absolutely no guarantee your children will be such high earners anyway.

Do your children know of your potential future plans to ship them off to another country? Emigration is a big thing and many young adults wouldn’t want to move countries.

It's not about young adults not wanting to move abroad, it's the country wanting them to get out.

Vettrianofan · 04/11/2024 20:55

I have never repaid my student loan from 24 years ago. Life got in the way, children with disabilities etc....

Ubertomusic · 04/11/2024 20:57

Araminta1003 · 04/11/2024 17:56

It can be cheaper to rent in eg Germany in a house share and attend a uni there. If you have a legacy EU passport. Well worth looking into all options now. Especially for tech/STEM/engineering.

German uni fees are the same for all passports. At least they were last time I checked.

Araminta1003 · 04/11/2024 20:57

“I can only hope EU unis won't charge us much more in a few years time... Germany is still being nice with us, but their problems are mounting too so probably won't be that generous...”

I think the Germans are smarter than that. They will be more than happy to poach the very young and very talented people from the UK and invest in them via uni fees. It is a no brainer really.

Ubertomusic · 04/11/2024 20:58

Alexandra2001 · 04/11/2024 18:23

Where would you have got the money from to keep Uni's viable?

The state of their finances, isn't down to Labours 4 months in power but the Tories 14 years...

Where do the Germans get the money from to make unis free for all?

Araminta1003 · 04/11/2024 20:59

“That was only possible for us financially because a family member has a spare room but DC entirely self sufficient,
lol. Living rent free in a family members spare room is not what most people would consider self suffices - the opposite in fact! Entirely dependant!”

no @titchy - DS was offered an obscene amount by a tech company and could have worked a year full time and entirely self-funded. They are still trying to get him to not do a masters. And by obscene, I mean really obscene by UK standards.