Student finance: Your questions answered
Finances will be on the minds of thousands of students as they head to university for the first time or return to their studies.
Although tuition fee rises do not come into force until next year, students will have a string on money issues to deal with before their lectures start again.
Last week we asked you to send in your questions for Phil Davis, of the National Association of Student Money Advisers, to answer.
Here are a selection of those queries with his responses.
Q: I shall be returning for my second year of university this September, but have sufficiently less cash and a smaller loan than last year. On top of that, the rent is higher. I will try and get a part-time job but, aside from that, where else will I be allowed to borrow from? Gary Marston, Rugby, Warwickshire
The loan amounts for 2011-2012 have been held at the same rate as in 2010-2011, so you have a loss in real terms before your individual circumstances are considered.
Any further reduction in your loan would usually be due to a change in your household income, determined by your parents' income or sometimes your partner's income. You may wish to check whether a change in their circumstances has impacted on your funding. If not, there could be an error in your assessment.
Part-time work is always something to be encouraged, as long as you can fit it around your studies, but you may also wish to check whether you can apply for any additional discretionary funding which you may not have to pay back. Your university's student services team will usually have details of such funds. Typically, the Access to Learning Fund makes grant awards, not loans.
Q: Having completed a foundation degree part-time, hence without student finance, I have been offered a place on a graduate diploma. Should I be eligible for student finance as it is still undergraduate level six and higher than my previous qualification?
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Should he look to repay his student loan faster than just the 9% on income over £15000? Should he make additional contributions from income or savings? Liz Oliver, Crawley Student loan repayments are designed to only be payable where the graduate is in
Students can also explore financial aid resources such as student loans at www.cfnc.org. •Always check out a company before you decide to do business with them. Call the Consumer Protection Division at 1-877-5-NO-SCAM or visit www.ncdoj.gov to check up
As part of a way to trim the national deficit by at least $2.1 trillion, the federal government will no longer pay the interest of graduate loans while the student is still in school beginning July 1, 2012. “It's certainly not a good deal if you're a
The ranks of needy students are growing as well, notes Mark Kantrowitz, publisher of Finaid.org, which tracks the student loan industry. Last year, for example, nearly 9 million students received Pell Grants, which primarily go to students with a
Grants and scholarships covered 33 percent of college costs in 2010-2011, up from 23 percent the previous year, according to a study by student loan provider Sallie Mae and the research firm Ipsos Public Affairs. The percentage of families who received
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