tag:blogger.com,1999:blog-78259634170343069592024-03-14T16:36:03.318+00:00Levitate StudentLevitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.comBlogger68125tag:blogger.com,1999:blog-7825963417034306959.post-5066903757437963632020-11-07T04:07:00.002+00:002020-11-07T04:27:15.701+00:00Budgeting Apps and Managing your Money<p style="text-align: center;"><span style="font-family: verdana;"> </span><b style="font-family: verdana; text-align: center;"><span style="color: #a64d79;">95% 0f households in UK have mobile phones where only 88% have a computer and only 89% have internet access.</span></b></p><p style="text-align: right;"><b style="color: #a64d79; font-family: verdana;"><span style="font-size: x-small;">(ONS 2020)</span></b></p>
<p class="MsoNormal"><span style="font-family: verdana;">So more and more people are using smartphones to download apps
for activities and services which help them keep in touch, shop, search for
information and be entertained. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: verdana;"><b>What is an App? </b>It is short for application and is a
computer programme designed to run on a mobile device. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: verdana;">Budgeting apps can support customers manage their money by
helping them to monitor their spending, plan ahead and budget day to day to make sure they
have money to cover their needs.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: verdana;">An initiative called <b>Open Banking </b>has made it easier
for app providers to let you see all you bank accounts in one place. <o:p></o:p></span></p>
<p class="MsoNormal" style="text-align: left;"><span style="font-family: verdana;">Open Banking is all the technologies and the rules that
allow you to safely share your financial information with app providers. Read
more on <a href="http://www.openbanking.org.uk/">www.openbanking.org.uk</a> <o:p></o:p></span></p><p class="MsoNormal" style="text-align: left;"><span style="color: #a64d79; font-family: verdana;"><b>2 million users have already downloaded budgeting/banking apps</b></span><b style="color: #a64d79; font-family: verdana;"> <span style="font-size: x-small;">(OBIE 2020)</span></b></p>
<p class="MsoNormal"><span style="font-family: verdana;">Only consider budgeting apps that are registered with the <b><a href="https://www.fca.org.uk/">Financial Conduct Authority</a></b> (FCA), an
independent organisation who parliament task
to protect customers of financial services.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: verdana;">Lets look a<b> <a href="https://www.yolt.com/">Yolt</a> </b>as
an example of a budgeting app. It is free to download and is registered with
the FCA. <b><a href="https://www.yolt.com/">Yolt</a></b> provides a Feature
Spotlight describing what the app can do. Here are just a few features<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Account
aggregation </b>– the core feature that relies on Open Banking and your
permission to bring your current accounts, savings, credit cards, pension and
investment information into on place<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Build
a budget </b>– to let you set a monthly budget, define goals, set reminders,
monitor and predict your spending patterns<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Set
Categories</b> – apply categories to your transactions to suit you <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Tagging</b>
– allowing you to personalise transactions with a #tag to help monitor total
spending on tagged items<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Pay
Day </b>– amend your budgeting period to run from your Pay Day<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Split
costs </b>– to help split shared costs like restaurant bills with friends<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: verdana;">•<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><b>Move
money – </b>to help you save <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: verdana;"><b>*Remember there are lots of budgeting apps – to see more
that are also registered with the FCA visit </b><a href="http://www.openbanking.org.uk/">www.openbanking.org.uk</a> </span></p><p class="MsoNormal"><span style="font-family: verdana;">Budgeting well can ensure you have enough money for all your
living costs and have some money set aside for planned future spending,
unexpected costs or your longer term security. <o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b>Is a budgeting app right for me? </b>Listing <b>pros and
cons </b>can help you think about the positives and negatives of using a
budgeting app. <o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Using<b> <a href="https://www.yolt.com/">Yolt</a></b> as an
example, try a 3 step approach to create a pros and cons that applies to
your circumstances.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b>Step 1: Features, Advantages, Benefits (FAB)</b><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">On the <b><a href="https://www.yolt.com/">Yolt</a></b> website,
in the search box enter <b>Feature Spotlight </b>to<b> </b>display articles
about some of the app’s Features (or what the app can do).<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Read the Feature Spotlights and notice some of the suggested
<b>Advantages</b> of that feature. For example see <b><i>“Connect your accounts
from supported banks”. </i></b>It suggests that <i>“getting a proper overview
of your all money can be tough”<b> . </b></i>The suggested advantage of this
feature is you can<i> “see all your
money in one place. Even if each account has different login details.” </i>Do
you agree? <o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">How would this be of <b>Benefit</b> to you? How might it save you
time or be easier to do?<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Try to write down some <b>Features</b> of<b>
<a href="https://www.yolt.com/">Yolt</a></b>, the <b>Advantages</b> and how <u>you</u>
might <b>Benefit</b> from them to manage <u>your</u> money.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">These benefits are the Pros of the app to you!<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz7VtZjY4ai4Cizu1sPTz4cSQs7oqdm9bMOt6wJiCJHuHcEu5MxZAS62SnKuI4t2lV2iItBbOHq54nysl9VbfD0lt1K9qZwyO0_I0pkU6CgBFmE-29mx0_TMpg1dfGlffrYnTT3_QLQdE/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="766" data-original-width="1022" height="408" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz7VtZjY4ai4Cizu1sPTz4cSQs7oqdm9bMOt6wJiCJHuHcEu5MxZAS62SnKuI4t2lV2iItBbOHq54nysl9VbfD0lt1K9qZwyO0_I0pkU6CgBFmE-29mx0_TMpg1dfGlffrYnTT3_QLQdE/w543-h408/image.png" width="543" /></a></span></div><span style="font-family: verdana;"><br /><br /></span><p></p><p class="MsoNormal"><span style="font-family: verdana;"><b>Step 2. Complete the Budgeting Needs questionnaire </b><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Do you need to improve your budgeting? Could an app be the
answer?</span></p><p class="MsoNormal"><span style="font-family: verdana;"></span></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioxGY3vGdPSO8J9d2WrYs2Cv-0mnuQ1DWhF34gEI7l3nOJ0S2yiRxYJ2_uTek_mWb1JuqYTCyRu0zOu3BY1xx9LdJVL-JyZ-9Fe4o3DqXpZOexF9nfNWWhbR3MbWCYjC0idYrpu-ap-Bs/" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="760" data-original-width="1024" height="440" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioxGY3vGdPSO8J9d2WrYs2Cv-0mnuQ1DWhF34gEI7l3nOJ0S2yiRxYJ2_uTek_mWb1JuqYTCyRu0zOu3BY1xx9LdJVL-JyZ-9Fe4o3DqXpZOexF9nfNWWhbR3MbWCYjC0idYrpu-ap-Bs/w593-h440/image.png" width="593" /></a><span style="font-family: verdana;"></span></div><span style="font-family: verdana;"><br /><br /></span><p></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b><br /></b></span></p><p class="MsoNormal"><span style="font-family: verdana;"><b>Step 3. Using customer reviews</b><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Finding negatives of a product can be hard, they won’t be on
the products website. When exploring the<b> <a href="https://www.yolt.com/">Yolt</a>
</b>website did you spot features that you thought where negatives? View more
pages and read the <span style="color: #a64d79;"><b>Frequently Ask Questions</b></span><b>.</b> Write negatives you see in
the Cons box on activity sheet.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Customer who have already used the app might be able to help
you.<b> <a href="https://uk.trustpilot.com/">Trustpilot</a></b> is a website
where people write reviews about products and services.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Search for<b> <a href="https://www.yolt.com/">Yolt</a> </b>on
<b>Trustpilot. </b>How many reviews are there?<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Read some reviews, you might spot some more Pros for your
list. Are there negative reviews? Has <b><a href="https://www.yolt.com/">Yolt</a>
</b>responded to clarify the issue?<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">List some possible negatives in your<b> Cons </b>list.<o:p></o:p></span></p><p class="MsoNormal" style="text-align: center;"><o:p><span style="font-family: verdana;"><b><span style="color: #a64d79;">What do you reckon? Might a budgeting app help you?</span></b></span></o:p></p><p class="MsoNormal" style="text-align: center;"><br /></p><p class="MsoNormal" style="text-align: center;"><o:p><span style="font-family: verdana;"><b><span style="color: #741b47;"><br /></span></b></span></o:p></p><p class="MsoNormal" style="text-align: center;"></p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0tag:blogger.com,1999:blog-7825963417034306959.post-38053677688648538032020-10-12T15:45:00.004+00:002020-10-14T17:06:48.841+00:00Reasons to be fearful are Compelling and Personal - Levitate Student<p><b><span style="font-family: verdana;"> <u>Compelling Personal Reason</u></span></b></p><p><span style="font-family: verdana;">This is a concept, written into the various student finance legislations, which can be called upon to afford a student an extra year of funding if needed.</span></p><p><span style="font-family: verdana;">New undergraduate students have a<b><span style="color: #a64d79;"> Standard Entitlement</span></b> to student finance Tuition Fee support (and via linked regulations to maintenance support) based on the following formula (simplified here)</span></p><p style="text-align: center;"><span style="font-family: verdana;"><br /></span></p><p style="text-align: center;"><span style="font-family: verdana;"><b><span style="color: #741b47;">Length of Course</span></b> <b><span style="color: #6aa84f; font-size: large;">plus </span></b><span style="color: #741b47;"><b>One Year</b></span></span></p><p style="text-align: center;"><span style="font-family: verdana;"> <b><span style="color: #6aa84f; font-size: large;">minus</span></b> Y<span style="color: #741b47;"><b>ears of Previous study at Higher Education level</b></span></span></p><p><span style="font-family: verdana;">It is more complex than this, so always seek advice if you have previous study. However for the purpose of this post it is a useful rule of thumb. </span></p><p><span style="font-family: verdana;">So, eligible new students get the <span style="color: #6aa84f; font-weight: bold;">"plus one" </span>year to allow for an academic wobble, This means that a student could start a course elsewhere if their current course doesn't suit them, or repeat a year if they fail etc etc. and still get fee funding for the ordinary duration of that new course.</span></p><p><span style="font-family: verdana;">However written into the regulations for undergraduates are some rules that allow for <b>extra years of tuition fee support</b> to be award in addition to the Standard Entitlement. Generally this is where the student </span></p><p></p><ul style="text-align: left;"><li><b><span style="font-family: verdana;">needs to <span style="color: #a64d79;">repeat a year</span> of their course for Compelling Personal Reasons (CPR) or</span></b></li><li><b><span style="font-family: verdana;"><span style="color: #a64d79;">failed to complete</span> their most recent previous course for Compelling Personal Reasons</span></b></li></ul><div><span style="font-family: verdana;">Great provision! wish it had existed in my day but that is another story..... </span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">When guiding students we would always guide them to request CPR to be taken into consideration at the time of the repeat even if they have the <b><span style="color: #6aa84f;">"plus one"</span></b> year in their bag. This is because the <b><span style="color: #6aa84f;">"plus one"</span></b> year may be needed later in the course when the reasons for the repat are academic rather than personal. Also the legislation is written specifically for the repeat year in question and asking for a retrospective application of CPR rules can often be be tricky especially with respect to providing supporting evidence to the funder.</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">With regard to the <span style="color: #a64d79;"><b>"failed to complete the most recent previous course"</b></span> for CPR, it is worth noting here that the extra year of funding would be added to the <b>first year</b> of any new course. This can lead to circumstances (depending on the length of the previous study) where a student receives fee support for the first and third year of a course but maybe not the second year.</span></div><div><span style="font-family: verdana;"><br /></span></div><div><b><u><span style="font-family: verdana;">Covid -19 and CPR</span></u></b></div><p></p><p><span style="font-family: verdana;">Of course Covid 19 crashed into academic year 2019/20 meaning lots of students are needing to repeat some of their course in 20/21. <b><span style="color: #2b00fe;">Student Finance England</span></b> have made it plain that they intend to use the <b><span style="color: #6aa84f;">"plus one"</span></b> year provision in most cases to award funding for this repeat. They have confirmed that where a student has already exhausted their <b><span style="color: #6aa84f;">"plus one"</span></b> year then they <b>will </b>consider CPR subject to the normal provision of evidence to support the case.</span></p><p><span style="font-family: verdana;">This smacks as one rule for one and one rule for another and using the legislation to suit the funder (regarding ease of administration) rather than to afford the student their rights.</span></p><p><span style="font-family: verdana;">What does it matter you might ask? Well later in the course a student may fail a year for academic reasons and need that <b><span style="color: #6aa84f;">"plus one"</span></b><b style="color: #93c47d;"> </b>year of fee funding to cover their repeat.</span></p><p><span style="font-family: verdana;">Don't worry says <b><span style="color: #2b00fe;">Student Finance England</span></b>, if this happens then we will retrospectively apply CPR to the 20/21 repeat and free up the <span style="color: #6aa84f;"><b>"plus one year</b></span>". </span></p><p><span style="font-family: verdana;"><b>Reasons to be Fearful 1,2,3 ...</b></span></p><p><span style="font-family: verdana;"><b>1. It is not likely that this will be done automatically. </b>Most students have never heard of the provision for CPR so there is a risk that they may not tell the funder to reinstate their lost plus one year. Students fortunate enough to speak to a money adviser about the problem may be pointed in the right direction but<b> many students do not access advice services.</b></span></p><p><span style="font-family: verdana;"><b>2. Evidence is key</b> <b>to the decision of the funders to award CPR. </b>The further a student gets from the year where compelling personal reasons disrupted their studies, the harder it can be to have good quality evidence to support their case.</span></p><p><span style="font-family: verdana;"><b>3. What about the future Standard Entitlement? </b>While moves may be afoot by the government to introduce a lifelong entitlement to student finance in England and Wales, currently the formula above applies.</span></p><p><span style="font-family: verdana;">So let's imagine an undergraduate student who struggled in 19/20, repeats in 20/21 but decides to withdraw before the year ends. Imagine they then return to study in 5 years time. Assuming nothing drastic has changed to the formula above - how long will the funders memory stretch with regard to the fact this student's <b><span style="color: #6aa84f;">"plus one"</span></b> year entitlement was used up for the repeat in 20/21? Will the student know enough about the rules to challenge the funder without the help of an adviser? What if the <b><span style="color: #2b00fe;">Department for Education</span></b> directs <span style="color: #2b00fe;"><b>Student Finance England</b></span> to no longer retrospectively switch the <span style="color: #6aa84f;"><b>"plus one"</b></span> year back to a CPR for repeats taken in 20/21?</span></p><p><span style="font-family: verdana;">This is a matter of <span style="color: #6aa84f; font-weight: bold;">Rights and Responsibilities - </span>students have a right to funding as outlined in the regulations and the funder a responsibility to apply the rules as written. </span></p><p><span style="font-family: verdana;"><b>While we do not doubt the desire of the funders to make the processes for getting funding to the students repeating in 20/21 as easy as possible we do fear that in the process some students, particularly those who do not seek advice or who return to study in years to come, may find themselves losing out on a precious year of tuition fee support.</b></span></p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com9United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-51586105036031174122020-08-28T16:37:00.005+00:002020-08-30T00:33:54.836+00:00What's a National Insurance Number & why do Student Finance need it?<blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div class="separator"><p style="margin-left: 1em; margin-right: 1em;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpWylD20fybu_kbmrIxVpYrHiRRs-8CmiIyAwWQBpk8x-kfzf-J4M8JKWUFhoj18myLmRjdShKkCwprrlxsTPLRPKb0c_EOJT7FrquWCRrKYWCtZUDc0w36uWdq4YkeYIegnanxv3G2YA/s2048/20200828_170216.jpg" style="clear: right; display: inline; float: right; font-family: verdana; margin-bottom: 1em; margin-left: 1em; text-align: center;"><img alt="Old Style National Insurance Number Card" border="0" data-original-height="1966" data-original-width="2048" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpWylD20fybu_kbmrIxVpYrHiRRs-8CmiIyAwWQBpk8x-kfzf-J4M8JKWUFhoj18myLmRjdShKkCwprrlxsTPLRPKb0c_EOJT7FrquWCRrKYWCtZUDc0w36uWdq4YkeYIegnanxv3G2YA/w168-h161/20200828_170216.jpg" title="Old Style National Insurance Number Card" width="168" /></a></p></div></blockquote></blockquote></blockquote></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"></blockquote></blockquote></blockquote><p><span style="font-family: verdana;">In order to be eligible to various benefits provided by the government most workers in the UK have to pay <span style="color: #6aa84f;"><b>National Insurance Contributions</b></span>. Eligibility to some of these benefit can depend on the level of a persons contribution record. So even if they are not working (through choice, unemployment or sickness) it may be important to keep paying National Insurance Contributions. </span></p><p><span style="font-family: verdana;"><br /></span></p><p><span style="font-family: verdana;">Peo</span><span style="font-family: verdana;">p</span><span style="font-family: verdana;">le are issued wi</span><span style="font-family: verdana;">th a <span style="color: #6aa84f;"><b>National</b></span></span><span style="font-family: verdana;"><span style="color: #6aa84f;"><b> Insurance Number</b></span> </span><span style="font-family: verdana;">a</span><span style="font-family: verdana;">nd this will be used throughout life - by employers paying your contributions;when applying for welfare benefits or pensions; for some personal financial matters; when registering to vote etc. Many people in the past will have been issued with a plastic card (like a credit card) with their number on. <b>More recently a letter has been issued with the number on instead of the card.</b></span></p><p><span style="font-family: verdana;">To find out more about</span></p><p></p><ul style="text-align: left;"><li><span style="color: #741b47; font-family: verdana;"><b>National Insurance </b></span></li><li><span style="color: #741b47; font-family: verdana;"><b>How to apply for a National Insurance Number (NINO) if you have not got one or </b></span></li><li><span style="color: #741b47; font-family: verdana;"><b>How to be reminded of a previously issued number</b></span></li></ul><span style="font-family: verdana;">then follow this link to <a href="https://www.gov.uk/national-insurance/your-national-insurance-number" style="color: #741b47; font-weight: bold;" target="_blank">www.gov.uk</a></span><p></p><p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBxM74Ni1dV3-MTKKmn8qfzhgCsAH-WDPXXzF7JtKmNraxhs3957wcbzda-Q0uUnP_gbm4NbgM6m-FNhloLAYRldLdSyNxOdnR3wIWmTGwPaKumWisWRdSNfpQzwqFbeQjBBq8BtjVHA/s485/Qmark.jpg" style="clear: left; float: left; font-family: verdana; margin-bottom: 1em; margin-left: 1em; text-align: center;"><img border="0" data-original-height="485" data-original-width="225" height="81" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBxM74Ni1dV3-MTKKmn8qfzhgCsAH-WDPXXzF7JtKmNraxhs3957wcbzda-Q0uUnP_gbm4NbgM6m-FNhloLAYRldLdSyNxOdnR3wIWmTGwPaKumWisWRdSNfpQzwqFbeQjBBq8BtjVHA/w38-h81/Qmark.jpg" width="38" /></a><span style="font-family: verdana;">Q: So why do Student Finance need your <span style="color: #6aa84f;"><b>National Insurance N<br />umber</b></span> and refuse to release</span><span style="font-family: verdana;"> your student loans if you do not provide one?</span></p><p><span style="font-family: verdana;">A: Because they need it in order to arrange your <span style="color: #a64d79;"><b><a href="https://www.gov.uk/repaying-your-student-loan" target="_blank">loan repayments</a></b></span></span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6XgrjR8Dx3HIyuplSYii_FH8tgqIwFQhr-cBQR888Qm1SYQFkSfppB8OT7u-4GpgODIZ6035nN3BI8XFo5UKmkGaLaTmrS5IfYehTCJOFz2B1j85jiazmn8q3-Khxtz5DhSV-Su0c4dA/s800/IandGlogo.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="298" data-original-width="800" height="152" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6XgrjR8Dx3HIyuplSYii_FH8tgqIwFQhr-cBQR888Qm1SYQFkSfppB8OT7u-4GpgODIZ6035nN3BI8XFo5UKmkGaLaTmrS5IfYehTCJOFz2B1j85jiazmn8q3-Khxtz5DhSV-Su0c4dA/w410-h152/IandGlogo.jpg" width="410" /></a></div><br /><span style="font-family: verdana;"><br /></span><p></p><p><span style="font-family: verdana;">When <a href="https://www.gov.uk/repaying-your-student-loan" target="_blank"><b>repayment of the student loans</b></a> became dependent on a student's earnings after they have left their course, the government needed to devise a method of recovering the loans from students income. So as not to reinvent the wheel, the already existing system and process of taking money from employees income used for collecting income tax by <a href="https://www.gov.uk/government/organisations/hm-revenue-customs" target="_blank"><span style="color: #a64d79;"><b>Her Majesty's Revenue and Customs</b></span> </a>was utilised. As the student finance repayments are now income contingent plus the method and organisation used to reclaim it from employee is <a href="https://www.gov.uk/government/organisations/hm-revenue-customs" target="_blank"><b>HMRC</b></a>, it is often sa<span style="background-color: white;">id that repaying a student loan is like taxing a graduate. </span></span></p><p><span style="background-color: white; font-family: verdana;">Previous students (full-time) who have taken a loan from Student Finance become liable to start repaying in the April after leaving their course and when their income is over the <a href="https://www.gov.uk/repaying-your-student-loan/when-you-start-repaying" target="_blank"><b>applicable repayment threshold</b></a>.</span></p><p><span style="background-color: white; font-family: verdana;">If the student is employed then their employer will use the <b><span style="color: #a64d79;"><a href="https://www.gov.uk/income-tax" target="_blank">Pay as You Earn </a></span></b>system to calculate the correct amount to take from the employees. The employer pass these monies to </span><b style="font-family: verdana;"><a href="https://www.gov.uk/government/organisations/hm-revenue-customs" style="font-family: verdana;" target="_blank">HMRC</a></b><span style="background-color: white; font-family: verdana;"> who in turn inform the Student Loan Company so that their records can be amended. Students can access information about their repayment record via an </span><a href="https://www.gov.uk/sign-in-to-manage-your-student-loan-balance" style="font-family: verdana;" target="_blank">On-Line Account</a></p><p><span style="font-family: verdana;">The amount of loan repayment taken each week or month by your employer is based on your income used to also calculate your <b><span style="color: #6aa84f;">National Insurance Contributions.</span></b></span></p><p><span style="font-family: verdana;">So Student Finance need your<b><span style="color: #6aa84f;"> National Insurance Number</span></b> because your student loan repayment is facilitated by the <b><span style="color: #a64d79;"><a href="https://www.gov.uk/government/organisations/student-loans-company" target="_blank">Student Loans Company</a></span></b> in partnership with </span><b style="font-family: verdana;"><a href="https://www.gov.uk/government/organisations/hm-revenue-customs" style="font-family: verdana;" target="_blank">HMRC</a></b><span style="font-family: verdana;">. The amount deducted from your wages as an employee is linked to your "NICable income". Student Finance avoid paying the maintenance loan unless satisfactory information has been provided to allow recovery of the loan at a later date. This is prudent, given that students can withdraw from a course at any time so the liability to enter repayment is not always years in the future. </span></p><p><span style="font-family: verdana;">As with any student finance matter the process and detail is more complex than this. Different rules exist for certain courses, for those who are self-employed or live overseas after they leave their courses. </span></p><p><span style="font-family: verdana;">If you want to read more detailed information about the repayment of student loans in England and Wales try <a href="https://www.practitioners.slc.co.uk/media/1789/repayments-guidance-ay-20-21-v20.pdf" target="_blank">Repayment of Income Contingent Student Loans Academic Year 20/21</a></span></p><p><br /></p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-58129926690602752352020-08-25T16:00:00.009+00:002020-08-30T00:48:16.208+00:00How Parents can decide whether to use savings to reduce their student's borrowing<p> </p><p><span style="font-family: verdana;">So <a href="https://www.levitatestudent.com/2020/08/how-taylor-swift-made-dream-come-true.html" target="_blank">Taylor Swift</a> made one prospective student's dream come true with a generous donation to support her studies.</span></p><p><span style="font-family: verdana;">Stories about students like this are very rare. What isn't rare though is <b><span style="color: #a64d79;"><a href="https://www.levitatestudent.com/2016/05/freshers-for-parents-from-parent.html" target="_blank">Parents</a>, Partners, Friends and Family</span></b> wondering whether or not to donate their </span><b style="color: #a64d79; font-family: verdana;"><a href="https://www.moneyadviceservice.org.uk/en/categories/saving-and-investing" target="_blank">savings</a></b><b style="color: #a64d79; font-family: verdana;">.</b><span style="font-family: verdana;"> to their student in order to reduce the amount of student loan they have to take out. </span></p><p><span style="font-family: verdana;">Even the student may have savings and are wondering whether to reduce their student loan borrowing.</span></p><p><span style="font-family: verdana;">This can feel like a tough decision and it can be hard to make a proper informed choice. </span></p><p><span style="font-family: verdana;"></span></p><table border="1" cellpadding="0" cellspacing="0" class="MsoTable15Grid2" style="border-collapse: collapse; border: none; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody><tr style="mso-yfti-firstrow: yes; mso-yfti-irow: -1; mso-yfti-lastfirstrow: yes;">
<td style="background: white; border: none; mso-background-themecolor: background1; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 5;"><b>Your Reason <span style="color: black; mso-color-alt: windowtext;">to help….</span><o:p></o:p></b></p>
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<td style="background: white; border: none; mso-background-themecolor: background1; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 1;"><b><span style="color: black;">Ask yourself….</span></b><b><o:p></o:p></b></p>
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<td style="background: white; border: none; mso-background-themecolor: background1; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 1;"><b><span style="color: black;">Explore……</span></b><b><o:p></o:p></b></p>
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<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-right-alt: solid #666666 .25pt; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 68;"><span style="color: red;"><b>Less Debt </b></span><b><span style="color: black;">-
It will reduce how much my student will have to borrow and pay back.</span></b><b><o:p></o:p></b></p>
</td>
<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-themecolor: text1; mso-border-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Is this true?</span><o:p></o:p></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Do you have sufficient savings to mean they don’t have to take on
any student loan?</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;">Does the funder expect you to contribute anyway to your student's living costs? (If the students depends on you financially and your household income is above £25K the answer to this is likely to be yes).</p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can your savings cover the full fees charged and living costs for
the whole undergraduate course and any further study?</span><o:p></o:p></p>
</td>
<td style="background: rgb(204, 204, 204); border: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can the savings help more effectively in other ways apart from
reducing borrowing, for example</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Helping with day to day costs</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help with rent</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help save for beyond graduation</span><o:p></o:p></p>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-right-alt: solid #666666 .25pt; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 4;"><span style="color: red;"><b>Less Debt </b></span><b>– if I pay the fees he/she/they will
owe less money and pay back less.<o:p></o:p></b></p>
</td>
<td style="border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-border-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-themecolor: text1; mso-border-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">Is this true?<o:p></o:p></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;"><span style="background-color: #cccccc;">Does the funder expect you to contribute anyway to your student's living costs? (If the students depends on you financially and your household income is above £25K the answer to this is likely to be yes).</span></p>
</td>
<td style="border: none; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">Can the savings help more
effectively in other ways apart from reducing borrowing, for example<o:p></o:p></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Helping
with day to day costs<o:p></o:p></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Help
with rent<o:p></o:p></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Help
student save for beyond graduation<o:p></o:p></p>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-right-alt: solid #666666 .25pt; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 68;"><span style="color: red;"><b>Want to Help </b></span><b><span style="color: black;">–
I have saved up for the day my student goes to university for years, I want
them to borrow less student loan.</span></b><b><o:p></o:p></b></p>
</td>
<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-themecolor: text1; mso-border-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Is this wise?</span><o:p></o:p></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Is this the best use of your capital?</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;">Does the funder expect you to contribute anyway to your student's living costs? (If the students depends on you financially and your household income is above £25K the answer to this is likely to be yes).</p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can your savings cover the full fees charged and living costs for
the whole undergraduate course and any further study?</span><o:p></o:p></p>
</td>
<td style="background: rgb(204, 204, 204); border: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can the savings help more effectively in other ways apart from
reducing borrowing, for example</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Helping with day to day costs</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help with rent</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help save for beyond graduation</span><o:p></o:p></p>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-right-alt: solid #666666 .25pt; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 4;"><span style="color: red;"><b>Sacrifice</b></span><b> – I need my savings myself but feel
I should sacrifice them as it seems wrong for my student to borrow so much
and be burdened with debt.<o:p></o:p></b></p>
</td>
<td style="border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-border-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-themecolor: text1; mso-border-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">Is this wise?<o:p></o:p></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">What might happen if you need your
cash reserves?<o:p></o:p></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;"><span style="background-color: #cccccc;">Does the funder expect you to contribute anyway to your student's living costs? (If the students depends on you financially and your household income is above £25K the answer to this is likely to be yes).</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">Can your savings cover the full fees
charged and living costs for the whole undergraduate course and any further study?<o:p></o:p></p>
</td>
<td style="border: none; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;">Can the savings help more
effectively in other ways apart from reducing borrowing, for example<o:p></o:p></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Helping
with day to day costs<o:p></o:p></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Help
with rent<o:p></o:p></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]-->Help student save for beyond graduation, for example by helping them open <a href="https://www.moneyadviceservice.org.uk/en/articles/help-to-buy-isa-or-lifetime-isa" target="_blank">Life-Time ISA</a><o:p></o:p></p>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-right-alt: solid #666666 .25pt; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 156.5pt;" valign="top" width="209">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 68;"><span style="color: red;">Well off<b> </b></span><b><span style="color: black;">–
I have plenty of money saved so I am not worried about using it</span></b><b><o:p></o:p></b></p>
</td>
<td style="background: rgb(204, 204, 204); border-bottom: 1pt solid rgb(102, 102, 102); border-left: none; border-right: 1pt solid rgb(102, 102, 102); border-top: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-right-themecolor: text1; mso-border-right-themetint: 153; mso-border-themecolor: text1; mso-border-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 161.55pt;" valign="top" width="215">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Do you need your savings yourself?</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;">Does the funder expect you to contribute anyway to your student's living costs? (If the students depends on you financially and your household income is above £25K the answer to this is likely to be yes).</p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can your savings cover the full fees charged and living costs for
the whole undergraduate course and any further study?</span><o:p></o:p></p>
</td>
<td style="background: rgb(204, 204, 204); border: none; mso-background-themecolor: text1; mso-background-themetint: 51; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-left-alt: solid #666666 .25pt; mso-border-left-themecolor: text1; mso-border-left-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 132.75pt;" valign="top" width="177">
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 64;"><span style="color: black;">Can the savings help more effectively in other ways apart from
reducing borrowing, for example</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Helping with day to day costs</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help with rent</span><o:p></o:p></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin: 0cm 0cm 0cm 18pt; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-yfti-cnfc: 64; text-indent: -18pt;"><!--[if !supportLists]--><span style="mso-list: Ignore;">·<span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: black;">Help save for beyond graduation</span><o:p></o:p></p>
</td>
</tr>
<tr style="height: 27.35pt; mso-yfti-irow: 5; mso-yfti-lastrow: yes;">
<td colspan="3" style="border: none; height: 27.35pt; mso-border-bottom-alt: solid #666666 .25pt; mso-border-bottom-themecolor: text1; mso-border-bottom-themetint: 153; mso-border-top-alt: solid #666666 .25pt; mso-border-top-themecolor: text1; mso-border-top-themetint: 153; padding: 0cm 5.4pt; width: 450.8pt;" valign="top" width="601">
<p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 4; text-align: center;"><b><span style="color: red;">Play
with the repayment calculator here on </span><o:p></o:p></b></p>
<p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 4; text-align: center;"><span style="color: #a64d79;"><b><a href="https://www.moneysavingexpert.com/students/student-finance-calculator/" target="_blank">Money Saving Expert</a></b></span><b><o:p></o:p></b></p>
<p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-yfti-cnfc: 4; text-align: center;"><b><span style="color: red;"><span style="mso-spacerun: yes;"> s</span>ee how much a student’s repayments are
altered by borrowing less</span><o:p></o:p></b></p>
</td>
</tr>
</tbody></table><span style="font-family: verdana;"><br /><br /></span><p></p><p class="MsoNormal"><span style="font-family: verdana;">One thing
that is true is that if you use your </span><b style="color: #a64d79; font-family: verdana;"><a href="https://www.moneyadviceservice.org.uk/en/categories/saving-and-investing" target="_blank">savings</a></b><span style="font-family: verdana;"> that money will be gone.</span></p><p class="MsoNormal"><span style="font-family: verdana;">If a student
takes the Tuition Fee Loan and the Maintenance Loan to pay for their tuition
and living costs then while how much they borrow may be a set amount, how
much they pay back is not.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;"><span style="color: #6aa84f;"><b>Repayment</b></span> of government Student Loans for students from England Wales taken out since September 2012 is <span style="color: #a64d79;"><b><a href="https://www.gov.uk/repaying-your-student-loan" target="_blank">Income Contingent</a></b></span>…..this means it depends on
how much the graduate student earns from the time they become eligible to repay. <b><span style="color: red;">It does not
depend on how much they have borrowed.</span></b><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: verdana;">Use the<b><span style="color: #a64d79;"> </span></b><b style="text-align: center;"><span style="color: #a64d79;"><a href="https://www.moneysavingexpert.com/students/student-finance-calculator/" target="_blank">Money Saving Expert</a> Calculator</span></b> to test your assumptions that by reducing a student’s borrowing means they will pay less back to the government.</span></p><p class="MsoNormal"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBxM74Ni1dV3-MTKKmn8qfzhgCsAH-WDPXXzF7JtKmNraxhs3957wcbzda-Q0uUnP_gbm4NbgM6m-FNhloLAYRldLdSyNxOdnR3wIWmTGwPaKumWisWRdSNfpQzwqFbeQjBBq8BtjVHA/s485/Qmark.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><span style="font-family: verdana;"><img border="0" data-original-height="485" data-original-width="225" height="198" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBxM74Ni1dV3-MTKKmn8qfzhgCsAH-WDPXXzF7JtKmNraxhs3957wcbzda-Q0uUnP_gbm4NbgM6m-FNhloLAYRldLdSyNxOdnR3wIWmTGwPaKumWisWRdSNfpQzwqFbeQjBBq8BtjVHA/w92-h198/Qmark.jpg" width="92" /></span></a><span style="font-family: verdana;">Try changing the amount of the fee loan and/or living cost loan borrowed.</span></p><p class="MsoNormal"><span style="font-family: verdana;">Play with the assumptions about beyond graduation earnings.</span></p><p class="MsoNormal"><span style="font-family: verdana;">Would a lump sum from you alter what the student might pay back over the term of the loan?</span></p><p class="MsoNormal"><span style="font-family: verdana;">This may help you decide how best to utilise your hard earned </span><b style="color: #a64d79; font-family: verdana;"><a href="https://www.moneyadviceservice.org.uk/en/categories/saving-and-investing" target="_blank">savings</a></b><b style="color: #a64d79; font-family: verdana;">.</b></p><p class="MsoNormal"><b style="color: #a64d79; font-family: verdana;">Read More: </b></p><p class="MsoNormal"><b style="color: #a64d79; font-family: verdana;"><a href="https://www.levitatestudent.com/2016/05/freshers-for-parents-from-parent.html" target="_blank">From a Parent to a Parent</a> and <a href="https://www.levitatestudent.com/2017/01/bankrupt-of-mum-and-dad.html" target="_blank">Bank(-rupt) of Mum and Dad</a></b></p><p class="MsoNormal"> </p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-43855597533146386012020-08-22T20:06:00.004+00:002020-08-30T00:55:21.600+00:00How Taylor Swift made a dream come true & why it mattered<p><span style="font-family: verdana;"> </span></p><p><span style="font-family: verdana;">So <span style="color: red;"><b><a href="https://www.taylorswift.com/" target="_blank">Taylor Swift</a></b></span> just gifted £23,000 to prospective student <span style="background-color: white; font-size: 16px;"><span style="color: #6aa84f;"><b>Vitoria Mario!!</b></span></span></span></p><p><span style="font-family: verdana;"><span style="background-color: white; font-size: 16px;"><span style="color: #404040;">This is a </span><span style="color: #a64d79; font-weight: bold;">Story Sweeter Than Fiction, </span>apparently <b><span style="color: #6aa84f;">Vitoria</span></b><span style="color: #404040;"> set up a fundraising page where she was asking for help towards her expected living cost so she could attend her desired Maths undergraduate course. </span></span></span></p><p><span style="font-family: verdana;"><span style="background-color: white; font-size: 16px;"><b><span style="color: #a64d79;">Call It What You Want</span></b><span style="color: #404040;"> - but it's a very generous gesture on behalf of the </span></span><span style="background-color: white; font-size: 16px;"><span style="color: #a64d79;"><b>Gorgeous</b></span></span><span style="background-color: white; font-size: 16px;"><span style="color: #404040;"> Ms Swift. </span><b><span style="color: #a64d79;">Everything Has Changed</span></b><span style="color: #404040;"> for </span><b><span style="color: #6aa84f;">Vitoria</span></b><span style="color: #404040;"> who initially probably thought it was a </span><span style="color: #a64d79;"><b>Hoax,</b></span><span style="color: #404040;"> but once confirmed she has likely just had the best </span><b><span style="color: #a64d79;">August</span></b><span style="color: #404040;"> ever. </span></span></span></p><p><span style="background-color: white; font-size: 16px;"><span style="font-family: verdana;"><span style="color: #404040;">The story was that </span><span style="color: #6aa84f;"><b>Vitoria</b></span><span style="color: #404040;"> wasn't eligible for living cost support in the form of the <b><a href="https://www.gov.uk/student-finance/who-qualifies" target="_blank">Maintenance Loan or Grants from Student Finance England.</a></b> Without this </span><b><span style="color: #6aa84f;">Vitoria</span></b><span style="color: #404040;"> says she was worried she could not afford to go to university.</span></span></span></p><p><span style="background-color: white; color: #404040; font-size: 16px;"><span style="font-family: verdana;">Read all about it here:-</span></span></p><p><span style="font-family: verdana;"><a href="https://www.bbc.co.uk/news/uk-53857694">https://www.bbc.co.uk/news/uk-53857694</a> </span></p><p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguhwxyaEkaY79H-B3o0p2QUm7FbyNslt3QpGmsrsCd3ffxy8rvavjScWf4xHIBzPgyVGduOCJBViBFu-5dq9vAdlPIT3SgcZ2_lOKL8PbfdmKXwOP3C7GvVcCcYTknyy60q5n4hJuKP-g/s2048/raphael-lovaski-RjD01Is-KnI-unsplash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Photo by Raphael Lovaski on Unsplash" border="0" data-original-height="1365" data-original-width="2048" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguhwxyaEkaY79H-B3o0p2QUm7FbyNslt3QpGmsrsCd3ffxy8rvavjScWf4xHIBzPgyVGduOCJBViBFu-5dq9vAdlPIT3SgcZ2_lOKL8PbfdmKXwOP3C7GvVcCcYTknyy60q5n4hJuKP-g/w400-h267/raphael-lovaski-RjD01Is-KnI-unsplash.jpg" title="Taylor Swift" width="400" /></a></div><p></p><p><span style="font-family: verdana;">So<b style="color: #a64d79;"> Today Was A Fairytale</b> for <span style="color: #6aa84f;"><b>Vitoria</b></span> with a gesture going beyond her <b style="color: #a64d79;">Wildest Dreams, </b>but how has it left you feeling? Are you jealous, thinking how come she is <span style="color: #a64d79; font-weight: bold;">The Lucky One? </span>Are you having<span style="color: #a64d79; font-weight: bold;"> Mean </span>thoughts? Well best to <span style="color: #a64d79; font-weight: bold;">Shake it Off </span><span>asap</span><span style="color: #a64d79; font-weight: bold;"> </span>and get ready with <span style="color: #a64d79;"><b>Eyes Open</b></span> to embark on your own higher education journey feeling <b><span style="color: #a64d79;">Fearless</span></b><span style="color: #a64d79; font-weight: bold;"> </span><span>regarding your own funding entitlement, understanding the loan repayment rules and with robust plans to cover your course and living costs. Are you <b><span style="color: #a64d79;">....Ready for It</span></b>?</span></span></p><p><span style="font-family: verdana;"><span>We are going to look here a little at the funding entitlement residency rules.</span></span></p><p><span style="font-family: verdana;"><span><b><u>Residence Entitlement Rules</u></b></span></span></p><p><span style="font-family: verdana;">These rules are complex but in order for most school leaving undergraduate students to be entitled to help towards tuitions fee and living cost support from Student Finance England, they need to </span></p><ul style="text-align: left;"><li><span style="font-family: verdana;">have no restrictions on their right to live in the UK (known as <b><span style="color: #a64d79;"><a href="https://www.ukcisa.org.uk/Information--Advice/Fees-and-Money/Government-Student-Support#layer-6212" target="_blank">Settled Status</a></span></b>) and</span></li><li><span style="font-family: verdana;">normally live in England (known as <span style="color: #a64d79;"><b><a href="https://www.ukcisa.org.uk/Information--Advice/Fees-and-Money/Ordinary-residence-case-law" target="_blank">Ordinary Residence</a></b></span>)</span></li><li><span style="font-family: verdana;">have lived in the UK and islands for 3 years before the course began</span></li></ul><div><span style="font-family: verdana;">These students are eligible in the category of "</span><span style="color: #a64d79; font-family: verdana;"><b>Persons who are settled in the United Kingdom".</b></span></div><div><span style="color: #a64d79; font-family: verdana;"><b><br /></b></span></div><div><span style="font-family: verdana;">However the rules a lot more complicated and there are other residence categories a student may fall into that may make them eligible for some or all of the funding.</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">So why was <span style="color: #6aa84f;"><b>Vitoria</b></span> unable to get the help she needs towards her living costs?While we do not know all the details of <b><span style="color: #6aa84f;">Vitoria's</span></b> case, the press story says she</span></div><div><ul style="text-align: left;"><li><span style="font-family: verdana;">is from Portugal</span></li><li><span style="font-family: verdana;">has lived in the UK for 4 years</span></li><li><span style="font-family: verdana;">her mum still lives in Portugal</span></li></ul><div><span style="font-family: verdana;">So on first sight it may look like <span style="color: #6aa84f;"><b>Vitoria</b></span> should be entitled to <a href="https://www.gov.uk/student-finance/who-qualifies" target="_blank"><span style="color: #a64d79;"><b>Tuition Fee Loan</b></span> and <b><span style="color: #a64d79;">Maintenance Loan</span></b></a> (for living costs).</span></div></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">However as<b> <span style="color: #6aa84f;">Vitoria</span></b> is from Portugal she may not have satisfied the <b style="color: #a64d79;">"Settled Status" </b>criteria. She is likely to have fallen into the eligibility category of <b style="color: #a64d79;">"EU National" </b>The rules for EU Nationals includes the requirement that the student has been</span></div><div><span style="font-family: verdana;"><i><br /></i></span></div><div><span style="font-family: verdana;"><i>"ordinarily resident in the United Kingdom and Islands throughout the <span style="color: red;"><b>five-year
period</b></span> immediately preceding the first day of the first academic year of the course.."</i></span></div><div><span style="font-family: verdana;"><i><br /></i></span></div><div><span style="font-family: verdana;">Importantly for EU Nationals this currently only applies to the <span style="color: #a64d79; font-weight: bold;">Maintenance Loan and other living cost support. </span>So fortunately<span style="color: #a64d79; font-weight: bold;"> </span><span style="color: #6aa84f; font-weight: bold;">Vitoria </span>is still likely to be eligible to receive the<span style="color: #6aa84f; font-weight: bold;"> </span><span style="color: #a64d79; font-weight: bold;">Tuition Fee Loan. </span><span>However <span style="color: red; font-size: x-large; font-weight: bold;"><a href="https://www.ukcisa.org.uk/Information--Advice/Fees-and-Money/Government-Student-Support?q=settled+status&ExactMatch=#layer-6245" target="_blank">Brexit</a> </span>is going to bring to an end this entitlement to tuition fee help for EU National for academic year 21/22.<span style="color: red;"> </span></span></span></div><div><span style="font-family: verdana;"><span><span style="color: red;"><br /></span></span></span></div><div><span style="font-family: verdana;">So because of these complex and changing rules linked to Brexit, <b><span style="color: #6aa84f;">Vitoria</span></b> would have needed to commence her course in 20/21 ahead of having reached the 5 year residence that would have afforded her living cost support. </span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><b><span style="color: red;">Top Tip</span></b> <i><span style="color: red;">Always seek advice about residency rules to make sure you have received the correct advice if you are refused funding.<div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOOChromEUtDOl5IR8NXZ4K44p1cDsAjEjpVN_V4aYi7K-mCgklVLQmigz6doaY9DJ5k0vhxqQk_aRDtCioMqPNVLtfQeiKs3XE4Z9feIkGTn8wj86zosVWPrgcXNeZmXDB34MDfVSdno/s1152/SAM_0015+two.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Money Hearts" border="0" data-original-height="864" data-original-width="1152" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOOChromEUtDOl5IR8NXZ4K44p1cDsAjEjpVN_V4aYi7K-mCgklVLQmigz6doaY9DJ5k0vhxqQk_aRDtCioMqPNVLtfQeiKs3XE4Z9feIkGTn8wj86zosVWPrgcXNeZmXDB34MDfVSdno/w200-h150/SAM_0015+two.jpg" title="Money Hearts" width="200" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div></span></i></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">So thanks to her fundraising effort and generous donations from sponsors including <span style="color: red; font-weight: bold;"><a href="https://www.taylorswift.com/" target="_blank">Taylor Swift</a>, </span><span style="color: #6aa84f; font-weight: bold;">Vitoria </span>has achieved a great result to support her study ambitions and easing her money worries. <b><span style="color: #a64d79;">Well Done!!</span></b></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">Hey, sorry about the cheesy lyric references,<span style="color: #a64d79; font-weight: bold;"> Look What You Made Me Do </span></span><a href="https://www.taylorswift.com/" style="font-family: verdana; font-weight: 700;" target="_blank">Taylor Swift</a> !!</div><div><span style="font-family: verdana;"><b><span style="color: #a64d79;"><br /></span></b></span></div><div><span style="color: #6aa84f; font-family: verdana;"><b>Please read our next blog post which will explore what you should consider if you also have a sponsor with savings who is considering donating to your fees or living costs.</b></span></div><div><span style="color: #6aa84f; font-family: verdana;"><b><br /></b></span></div><div><span style="font-family: verdana;"><b>Useful References</b></span></div><div><span style="font-family: verdana;"><b><br /></b></span></div><div><span style="font-family: verdana;"><b>Categories of Eligible Students </b></span></div><div><ul style="text-align: left;"><li><span style="font-family: verdana;"><b><a href="https://www.ukcisa.org.uk/Information--Advice/Fees-and-Money/England-fee-status">https://www.ukcisa.org.uk/Information--Advice/Fees-and-Money/England-fee-status</a></b></span></li><li><span style="font-family: verdana;"><b><a href="https://www.practitioners.slc.co.uk/media/1785/sfe-assessing-eligibility-guidance-ay-2021-v20.pdf">https://www.practitioners.slc.co.uk/media/1785/sfe-assessing-eligibility-guidance-ay-2021-v20.pdf</a> (pages 19 to 46)</b></span></li></ul></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><p></p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-4342895463313665252020-08-14T00:51:00.004+00:002020-08-30T01:00:09.246+00:00Where might Clearing Lead You? To a First Class Honours!<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4FtC8Ha3s1g1AvZ4mTf4KMpSVZfr5i5hryMRFqF4fl1b8qaGjm1Wlo0stjhYXRWJfFG_gd6sJo0WvTG-7kOsE2Pv5F7jvYmnINur2kxucGmpX4sZmZkFeG5PDJEAj05-3N_qc1_7moL8/s1050/_20150917_154850+%25282%2529.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: verdana;"><img border="0" data-original-height="1050" data-original-width="832" height="410" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4FtC8Ha3s1g1AvZ4mTf4KMpSVZfr5i5hryMRFqF4fl1b8qaGjm1Wlo0stjhYXRWJfFG_gd6sJo0WvTG-7kOsE2Pv5F7jvYmnINur2kxucGmpX4sZmZkFeG5PDJEAj05-3N_qc1_7moL8/w325-h410/_20150917_154850+%25282%2529.JPG" width="325" /></span></a></div><span style="font-family: verdana;"> </span><p></p><p><span style="font-family: verdana;"><b>Here is a Fresher walking into <a href="https://www.edgehill.ac.uk/study/clearing/">Edge Hill University</a> on his first day</b></span></p><p><span style="color: #6aa84f; font-family: verdana;"><b>Facts</b></span></p><p><span style="font-family: verdana;">1) Edge Hill had been his third choice University</span></p><p><span style="font-family: verdana;">2) On A Level results day he did not achieve the grades for his first choice university</span></p><p><span style="font-family: verdana;">3) On A Level results day he got an offer from his second choice university but since making that choice he had changed his mind about wanting to study there.</span></p><p><span style="font-family: verdana;">4) At 9am on results day he rang Edge Hill who rapidly came back with an offer, guided him through the scary part of declining the offer from the second choice university and reassured him their offer would be made firm.</span></p><p><span style="font-family: verdana;">5) By noon he had secured his place at Edge Hill</span></p><p><span style="font-family: verdana;"><b><span style="color: #a64d79;">Outcome</span></b> - Three years later he graduated with a First Class Honours Degree having loved his time in Ormskirk</span></p><p><span style="font-family: verdana;"><br /></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZkpvKzOEQ30JyLfVdTQWlxfaZ1xOsMyaCRMrcKYlCYQQeXZFImj7CYrccQv9-iBH1g6bVUaxIxpX3S7QYCUwGrRxtIZBdz3jzeygplvu-z1bQyxiNosAUef5AnCtZnyufhFfCMqarpW0/s1600/IMG-20180805-WA0040.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="230" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZkpvKzOEQ30JyLfVdTQWlxfaZ1xOsMyaCRMrcKYlCYQQeXZFImj7CYrccQv9-iBH1g6bVUaxIxpX3S7QYCUwGrRxtIZBdz3jzeygplvu-z1bQyxiNosAUef5AnCtZnyufhFfCMqarpW0/w410-h230/IMG-20180805-WA0040.jpg" width="410" /></a></span></div><p></p>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-88170767958379558082020-08-14T00:18:00.005+00:002020-08-30T01:01:54.514+00:00What's the buzz about Clearing? Six Money B's to help.<p> </p><p><br /></p><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;">Be Wise – Understand what Clearing is all about.<o:p></o:p></span></b></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><a href="https://www.ucas.com/ucas/undergraduate/apply-and-track/results/no-offers-use-clearing" target="_blank"><span face=""><b><span style="color: #674ea7;">Clearing</span></b></span></a><span face=""> is a very exciting period in the academic calendar. Exam result can throw a sudden change of plan into the mix and a bit of quick thinking is required.<o:p></o:p></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Yet so many students just hope it won’t happen and don’t want to think about it. It is really important to consider what you would do if results day means a change of plan. It’s not failing it is just shifting stance and that is fine.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face="">Sometimes between picking courses and results day you have changed your mind anyway about second and third choices, or perhaps the institution has changed their mind about you – for better or worse. You may have received offers from universities but no longer want to accept them and want to look elsewhere – that’s what </span><a href="https://www.ucas.com/ucas/undergraduate/apply-and-track/results/no-offers-use-clearing" target="_blank"><span face=""><b><span style="color: #674ea7;">Clearing</span></b></span></a><span face=""> is for.<o:p></o:p></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face="">It’s okay – it’s exciting but it’s good to have thought about where else </span><span face="">you might want to study, have thought about the financial impact and have planned for those changes.<o:p></o:p></span><br /><span face=""><br /></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face=""><a href="https://www.ucas.com/ucas/undergraduate/apply-and-track/results/no-offers-use-clearing" target="_blank"><span face=""><b><span style="color: #674ea7;">Clearing</span></b></span></a><span face=""> might turn out to be t</span>he best day ever when you look back – so embrace it</span>.</span></div><span style="font-family: verdana;"><o:p></o:p><br /></span><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;">Be prepared – it’s the early bird that catches the worm<o:p></o:p></span></b></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face="">Hopefully once you have learnt how </span><a href="https://www.ucas.com/ucas/undergraduate/apply-and-track/results/no-offers-use-clearing" target="_blank"><span face=""><span style="color: #674ea7;"><b>Clearing</b></span></span></a><span face=""><span style="color: #674ea7;"><b> and Adjustment</b></span> works you will have a plan in mind for results day.<o:p></o:p></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Universities plan their own strategies well in advance and have an army of staff on hand to deal with their customer queries and help with new offers and to hopefully win your custom.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face="">The universities are eager to fill their courses so as the day goes by fewer places will be in the </span><span face=""><b><span style="color: #674ea7;"><a href="https://www.ucas.com/ucas/undergraduate/apply-and-track/results/no-offers-use-clearing" target="_blank">Clearing</a></span></b></span><span face=""> pool. It’s makes sense to act as swiftly as possible, though ensure you are comfortable with your decision. Planning ahead will help your swift response not turn into a panic.</span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;">Be an empowered consumer<o:p></o:p></span></b></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Remember you are a customer of the universities. On results day, unless the university is fortunate to have filled all its courses, they will be waiting and hoping for your call.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">The universities open their Clearing Lines early and keep them running until they have filled all the spaces they possibly can. It is a stressful time for the university staff dealing with all the enquiries and changes of circumstances that results day brings. The staff usually offer a responsive service to win your custom so don’t phone the Helpline thinking they are doing you a favour. This flux works both ways – they want you just as much as you want them and they are likely to be flexible on entry requirements.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">As a potential customer of the university check out their terms and conditions – usually these are usually found on the website as for example<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="color: #7030a0; font-family: verdana;">Student Regulations/University Regulation/General Regulations......<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">These may be dull but are very important to know about as the intuitions will follow these rules when dealing with their students.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Also see if your university has <span style="color: #7030a0;">Student Charter</span> or other form of customer service agreement.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Get to know what <span style="color: #7030a0;">support services</span> the university offers such as well-being, advice, careers, help for disabled students etc.<span style="color: #00b050;"><o:p></o:p></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Understand your consumer rights by looking what the <b><u><span style="color: #674ea7;"><a href="https://www.gov.uk/government/news/cma-advises-universities-and-students-on-consumer-law#:~:text=The%20Competition%20and%20Markets%20Authority's,what%20and%20where%20to%20study">Competition and Market Authority advice for undergraduates. </a></span></u></b></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal"><span style="font-family: verdana;"><b><span face="" style="color: #00b050;">Be on top - Keep the funder informed of changes of circumstance</span></b><span face="" style="color: #00b050;"><o:p></o:p></span></span></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><span face="">This seems obvious but when you are busy it’s easy to forget. If you change university, course etc then the funder (</span><b><span style="color: #674ea7;"><a href="https://www.gov.uk/student-finance-register-login" target="_blank"><span face="">SFE</span></a><span face="">, </span><a href="http://www.saas.gov.uk/" target="_blank"><span face="">SAAS</span></a><span face="">, </span><a href="http://www.studentfinancewales.co.uk/" target="_blank"><span face="">SFW</span></a></span></b><span face=""><b><span style="color: #674ea7;">, SFNI</span></b>) needs to know.<b><o:p></o:p></b></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;">Be informed -Check out your universities of choice on OfS<o:p></o:p></span></b></div><div class="MsoNormal"><b><span face="" style="color: #674ea7; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><span style="color: #674ea7;"><b><a href="https://www.officeforstudents.org.uk/advice-and-guidance/promoting-equal-opportunities/our-approach-to-access-and-participation/">The Office For Students</a></b></span> work to ensure universities are reaching out to all potential students. Each Higher Education Institution submits an agreement about how they achieve this every year.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><a href="https://www.officeforstudents.org.uk/data-and-analysis/access-and-participation-data-dashboard/" target="_blank"><span face="" style="color: #674ea7;"><b>Read the plans from universities of choice</b></span></a><span face=""> – there may be details of extra financial help that you may be eligible for<b>.<span style="color: #00b050;"><o:p></o:p></span></b></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><b><br /></b></span></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;">Be flexible on accommodation<o:p></o:p></span></b></div><div class="MsoNormal"><b><span face="" style="color: #00b050; font-family: verdana;"><br /></span></b></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Changing university in August can mean that your accommodation plans have to change too. Not all universities will have accommodation for all their first year students. Those who accept a place through Clearing may find this an additional challenge.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQj9EupUNAPcGWyrFXAcVuQYyfoXatjosVCvsXBZpirrG0iprNwFVVQ5qO6p4mz_LULPC5_SyEyAcs5hm7myseP68RSa0JR46_ga88WtXUhSMLhlQeeLgOHV0i6yu3LyzAs0Zw3PohtUA/s1600/20140725_184654.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="font-family: verdana;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQj9EupUNAPcGWyrFXAcVuQYyfoXatjosVCvsXBZpirrG0iprNwFVVQ5qO6p4mz_LULPC5_SyEyAcs5hm7myseP68RSa0JR46_ga88WtXUhSMLhlQeeLgOHV0i6yu3LyzAs0Zw3PohtUA/s200/20140725_184654.jpg" width="112" /></span></a><span face="" style="font-family: verdana;">Again universities are used to this process happening year on year and will provide guidance. You may have to consider living in Private Rented instead of Halls. You may have to start looking for a place at short notice. Remember that it won’t just be you and the university may put you in touch with other students in the same situation. They may have lists of private rented accommodation providers or of shared houses with a room available. Also prospective students often use social media to find others to share with. So be ready to respond to these options.<b><span style="color: #00b050;"><o:p></o:p></span></b></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Signing your accommodation contract may seem a big commitment and it is. Whether the accommodation provider is a university, private halls, landlord’s agent or private landlord, you will be signing a legal tenancy agreement.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">It will be legally binding for the number of weeks outlined and is likely to require the student and a guarantor to sign it.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Know what you are signing for – the number of weeks (these can vary widely 42,44,52 for example); what is the deposit; are there administration fees; what is included in the rent; how many instalments & when are they paid; what are the rules for terminating the contract......<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Note that for halls of residence the instalments may not be equal. For example it is possible for the institution to front load the plan so that you pay more in the first term. This can be tough to budget for but it’s best to be prepared.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">If you are looking at private accommodation, then many universities offer services to check the tenancy agreement before you sign – worth doing to be safe.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvvU0jTn-hNh8V1BwogQx8FjLFLrkK9bh_U05T1QiAYqA14-WcfCWQSF3W0wBceNS_3eWj3XHWWkGzBDCDRjrz4uRLYk_uGgVJBz-pKznMZo5iNVfhTviNHG9oxyTafTUSfE71IIJkklE/s1600/B1.png" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: verdana;"><img border="0" height="189" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvvU0jTn-hNh8V1BwogQx8FjLFLrkK9bh_U05T1QiAYqA14-WcfCWQSF3W0wBceNS_3eWj3XHWWkGzBDCDRjrz4uRLYk_uGgVJBz-pKznMZo5iNVfhTviNHG9oxyTafTUSfE71IIJkklE/s200/B1.png" width="200" /></span></a><span style="font-family: verdana;"><span face="">You do not have to go into halls and if you chose private rented then understand your rights fully. Look on </span><a href="http://england.shelter.org.uk/get_advice/student_housing" target="_blank"><span face="" style="color: #674ea7;"><b>www.shelter.org.uk</b></span></a><span face=""> and </span><a href="http://www.unipol.org.uk/" target="_blank"><span face="" style="color: #674ea7;"><b>www.unipol.org.uk</b></span></a><span face=""> for helpful information. Also learn about </span><span face="" style="color: #674ea7;"><a href="http://england.shelter.org.uk/get_advice/tenancy_deposits/tenancy_deposit_protection_schemes/tenancy_deposit_protection_schemes" target="_blank"><b>Tenancy Deposit Schemes</b></a></span><span face=""><o:p></o:p></span></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">Remember if you are a student choosing to live at in the parental home consider how you might contribute to the household bills from your student finance. Child benefit payments will come to an end for those who had parental responsibility for you.<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;"><br /></span></div><div class="MsoNormal" style="margin-left: 36pt;"><span face="" style="font-family: verdana;">This video on <a href="http://levitatestudent.blogspot.co.uk/2016/03/talking-heads-freshers-accommodation.html" target="_blank"><b><span style="color: #674ea7;">Fresher’s Accommodation</span></b></a> may help you think about where to live.</span></div>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-59096515052889825352020-05-11T14:12:00.003+00:002020-09-27T23:45:27.542+00:00Is Gimme a Tuition Fee Discount a pointless debate?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: verdana;"><span face="">Levitate Student has written a number of times about our dislike for tuition fee discounts and fee waivers. (See for example <a href="https://www.levitatestudent.com/search?q=waiver" target="_blank">Money Smoke and Mirrors</a> )</span><br />
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<span face="">Fortunately, fee waivers are less common than they were a few years ago since prospective students and their families have become wise to the very limited value they offer (especially to those students reliant on both the Tuition Fee Loan and Maintenance Loan to support their studies). Hopefully, the days have passed where Higher Education Institutions (HEI's) would wrap a pretty worthless, fee-waiver-shaped, carrot in gold leaf and dangle it before the academically able, in order to entice them in to the uni's allocated uncapped student number.</span><br />
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<span face="">Fee waivers hit universities and colleges where it hurts anyway - their own pockets. Reducing the fee reduces the loan income from the funders, so the institution has less money to deliver services with. Let's not forget that, when the government introduced the so called <span style="color: #674ea7;"><b>variable tuition fee</b></span>, the whole sector (give or take a few exceptions) opted to charge the maximum they could, across their full undergraduate curriculum. </span><br />
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<span face="">Over the last decade or so higher education (HE) providers have shifted to calling to their students <span style="color: #6aa84f;"><b>"customers"</b></span>. Sending staff on customer service training and striving to attain Customer Service Excellence stamps of approval. It has been an uncomfortable shift in some quarters and not uncommon to hear staff grumble about these "darn students with their high expectations as to what they get for their £9,250"</span><span face="">. I mean how dare students feel empowered to complain!</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAm1chTz5HxVBRPYQcefIzRWLBrjf2rwbYry-lXejOeF4159ueZpV_E4bakyZCKt71NFwUPPjnKxg9QD3-bI5TIuXqy1cdWHl8vj0uMX3IKIW2_2qnLErfTFzmYg61u_okxzlTk1fpoes/s1600/Clipart+letter.png" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: verdana;"><img alt="Envelope" border="0" data-original-height="320" data-original-width="320" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAm1chTz5HxVBRPYQcefIzRWLBrjf2rwbYry-lXejOeF4159ueZpV_E4bakyZCKt71NFwUPPjnKxg9QD3-bI5TIuXqy1cdWHl8vj0uMX3IKIW2_2qnLErfTFzmYg61u_okxzlTk1fpoes/s200/Clipart+letter.png" title="" width="200" /></span></a></div>
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<span face="">Of course, one could argue that, with respect to income into HEI's, the amount of money in the envelope is the same as always - all coming from the government but just in a different way than before (see <a href="https://www.levitatestudent.com/search?q=funnel" target="_blank">Funding Funnel</a> for a bit of a clumsy potted history on this). The money in that envelope is what the sector relies on to thrive and flourish, pay their workforce, deliver academic excellence, provide facilities and drive innovation and research. The benefit to the economy, employers and society of an educated and skilled flow of graduates is not under debate in this blog post.</span><br />
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<span face="">The government shifted the responsibility for the tuition fee loan onto the student for a number of reasons. One was to allow for no upfront fees . This eased the burden on the better-off mum and dad who had previously had to pay their students fee up front. By raising the tuition fee to a level of £9K+ meant that even the better off would struggle to manage without taking on the fee loan. Thus bringing those better-off students into the funding system of income contingent repayment, where the higher earners, beyond graduation, would be paying the most back to the public purse over time. <span style="color: #351c75;"><b>"Progressive"! -remember?</b></span> The better off became less likely to benefit from an easily affordable, subsidised higher education whilst avoiding the student loan system. Now they are more likely to contribute to the public cost of providing Higher Education alongside the less well off.</span><br />
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<span face="">So once the student was taking on the cost of their own education, they felt more like an HE consumer. Naturally then. they had a changed perspective on course value for money. Successful or not, enjoyed it or hated it, this is a service many of these consumers will be paying for over 30 years beyond graduation, so they have a right to expect it to be good don't they?</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSEQz6mjv6EGifO1sYltABOKE31Bh_zlXIgO7UK1MJWbmcCAWyqet4ncH2Fs9HWnUSm2AKIALf8HiXmE5W7EfY8K10i71PRS_kH5ST7hhr-b8yLbvXE81eShtzWmC09aFtGNnW8YX9hrg/s1600/SAM_0017.JPG" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: verdana;"><img alt="Money with hearts" border="0" data-original-height="1200" data-original-width="1600" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSEQz6mjv6EGifO1sYltABOKE31Bh_zlXIgO7UK1MJWbmcCAWyqet4ncH2Fs9HWnUSm2AKIALf8HiXmE5W7EfY8K10i71PRS_kH5ST7hhr-b8yLbvXE81eShtzWmC09aFtGNnW8YX9hrg/s200/SAM_0017.JPG" title="" width="200" /></span></a></div>
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<span style="font-family: verdana;"><span face="">Now <span style="color: red;"><b>Covid-19</b></span> has thrown a major spanner in the works and delivered an enormous blow to Higher Education. Not only has it had an impact on academic delivery for the 3rd term of the academic year 19/20 but also as far as the eye can see into 20/21. In addition, students' access to broader services and the whole <span style="color: #674ea7;"><b>"student experience"</b></span> that they are lead to expect for the money has been thrown into disarray. Why wouldn't they expect the full service - look at the website and the glossy prospectus, this stuff is all in the price, right? </span><br />
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<span face="">As a consequence the media has been awash with shoutouts for discounts to the £9,250 tuition fee; not unreasonable given that the student consumer is not receiving what they signed up for or are in the process of signing up for.</span><br />
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<span face="">Those who understand the nature of the <b><span style="color: #6aa84f;"><a href="https://www.moneyadviceservice.org.uk/en/articles/repaying-student-loans" target="_blank">income contingent student loan repayment system</a></span></b> realise that, for those who rely on full funding for their studies, a slight reduction in tuition fees will have little or maybe no effect on the money the student will eventually pay back to the public purse. A little play on a repayment calculator (<a href="https://www.moneysavingexpert.com/students/student-finance-calculator/" target="_blank">such as this one on www.moneysavingexpert.com</a>) will help those who are a bit unsure as to why a discount makes little difference to get their eye in.</span><br />
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<span face="">So are the media and students wrong to be baying for a fee discount? What is the point if a discount is worth so little in the long run? The model of students as customer paying a set price for a service falls apart when that service can not be delivered. The Tuition Fee income is vital to keep the sector from collapsing, to save guard jobs, but should a new student be expected to see this bigger picture?</span><br />
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<span face="">So, is Tuition Fee discounting a <b><span style="color: #351c75;">"pointless debate"</span></b>? Maybe.....but more general and perhaps more valid questions are, could current students be compensated for their reduced experience? Should prospective customers receive a meaningful incentive to continue to apply given the reduced offer?</span><br />
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<span face="">Fee waivers are not worth much as we know, but a more <b><span style="color: red;">tangible cash offer</span></b> might be enticing. Some students arguably are receiving that now in the form of a 19/20, 3rd term accommodation fee waiver and the full payment of their 3rd term student finance. This offer though is patchy, depending on the student's accommodation provider. Those in private rented housing and especially final year students who receive a lower 3rd term Maintenance Loan are less likely to have benefited from this.</span><br />
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</span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQOO72h1gT9zrp3q3JWP06gzKqIaWQBjC_c4_4os619C3feuQDpavJs_-P5TrJQBxma99dcolAvM0mnvDXyC7u4-BIA0V4riFwCn6Onj8uCqOdfqlY8rPiE9CRyjMbz9T07qjzZYpH7ic/s1600/woman-wearing-brown-long-sleeved-dress-stepping-on-brown-1203298.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="font-family: verdana;"><img border="0" data-original-height="1600" data-original-width="1067" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQOO72h1gT9zrp3q3JWP06gzKqIaWQBjC_c4_4os619C3feuQDpavJs_-P5TrJQBxma99dcolAvM0mnvDXyC7u4-BIA0V4riFwCn6Onj8uCqOdfqlY8rPiE9CRyjMbz9T07qjzZYpH7ic/s200/woman-wearing-brown-long-sleeved-dress-stepping-on-brown-1203298.jpg" width="133" /></span></a><span style="font-family: verdana;"><span face="">New students to the academic year 20/21, could be offered a monetary incentive to register and enrol this Autumn. Unlike a fee waiver this could make a real difference and make up for the wobbly start to their <span style="color: #351c75;"><b>"Student Journey"</b></span>. </span><br />
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<span face="">A <span style="color: lime; font-weight: bold;">stepping stone payment</span> could be the <span style="color: lime; font-weight: bold;">gesture of good will</span> needed for those still brave enough to take the plunge, who are prepared to trust that their new HE provider will take a firm grip of their eager hand in these unsteady times. </span><br /></span>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-71347073291036869462020-05-07T10:08:00.001+00:002020-09-27T23:47:30.400+00:00Can You Save The World<div dir="ltr" style="text-align: left;" trbidi="on">
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This may be useful for when lockdown eases - a bit of fun
<iframe frameborder="0" height="167" src="https://itch.io/embed/635722" width="552"><a href="https://martin-jacob.itch.io/can-you-save-the-world">Can You Save The World ? by Martin Jacob</a></iframe></div>
Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0tag:blogger.com,1999:blog-7825963417034306959.post-85347707516026832402020-04-07T21:18:00.005+00:002020-09-27T23:48:13.191+00:00Why pay Rent & Accommodation costs 3rd term 2020? - it's a Dilemma <div dir="ltr" style="text-align: left;" trbidi="on">
<span face="">S<span style="font-family: verdana;">tudent's really must be wondering what to do about their third term installment of rent when they have left to go "home home".</span></span><span style="font-family: verdana;"><br />
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<span face="">Some accommodation providers have released their tenants from their contracts where they have chosen to return home due to the current pandemic. Others accommodation providers have not and Student Unions and others are lobbying hard for the cause.</span><br />
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<span face="">Here is some information to help those wondering what to do and considering their options.</span><br />
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<li><span face=""><span face="" style="font-family: verdana;">Most rent payments particularly to the Higher Education Institutions and large student accommodation providers are paid by direct debit. Student's often do not realise that they can cancel direct debits themselves with their banks. Banks often need at least 3 working days notice to amend or cancel direct debits. This may be an option to choose while negotiating with the landlord about a way forward. </span></span></li>
</ul>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFUN-EFLtUTVXuInnRQsnmmb1QgsOXnK1j0J3rv6VNeMl4hZcB-NhgodE3HPIB3a19rRdVOnLZdChFBInBRcIg0hyphenhyphenXkUicKcgUDGn-HWZB-Ie7Krt9Dt_2U6_bJcwt-U_WXqZqsi69BJE/s1600/DSCF3111.JPG" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><span style="font-family: verdana;"><img alt="Student Bedroom" border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFUN-EFLtUTVXuInnRQsnmmb1QgsOXnK1j0J3rv6VNeMl4hZcB-NhgodE3HPIB3a19rRdVOnLZdChFBInBRcIg0hyphenhyphenXkUicKcgUDGn-HWZB-Ie7Krt9Dt_2U6_bJcwt-U_WXqZqsi69BJE/s320/DSCF3111.JPG" title="Student Bedroom" width="320" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: verdana;">Student Bedroom</span></td></tr>
</tbody></table>
<span style="font-family: verdana;"><br />
</span><ul style="text-align: left;">
<li><span face="" style="font-family: verdana;">Most accommodation contracts or tenancy contracts are valid legal agreements and the current pandemic <b>does not</b> render them void.</span></li>
<li><span face="" style="font-family: verdana;">It is an option for a tenant to write to the landlord or accommodation provider and ask for their discretion to release them early from the terms of the contract. However the landlord is not obliged to do so.</span></li>
<li><span face=""><span face="" style="font-family: verdana;">For most <a href="https://england.shelter.org.uk/housing_advice/private_renting/types_of_renting_agreement" style="background-color: white;" target="_blank"><span style="color: #674ea7;"><b>Assured Shorthold</b></span></a> agreements, action against a tenant for not paying their rent (arrears) can not be taken (by the landlord or accommodation provider) until 2 months rent arrears has accrued. Generally this means that a landlord can not begin <a href="https://england.shelter.org.uk/housing_advice/eviction/section_21_eviction/section_21_eviction_process" target="_blank"><b><span style="color: #674ea7;">Possession Proceedings</span></b></a> on the grounds of rent arrears until 2 months rent is owing.</span></span></li>
<li><span face="" style="font-family: verdana;">Due to the pandemic, the government introduced new rules which extend this period to 3 months, introduced as of 26th March.</span></li>
<li><span face="" style="font-family: verdana;">So for many students this is likely to take them to beyond the end of their contract. This 3 month grace period could allow time for negotiations and the outcome of lobbying to be reached. </span></li>
</ul>
<span style="font-family: verdana;"><br />
<span face=""></span><br />
<a href="https://england.shelter.org.uk/housing_advice/eviction/what_is_a_possession_order_for_eviction" target="_blank"><b><span style="color: #674ea7;">Shelter provide information </span></b></a><span face="">on what action might be taken if the landlord does not waive the rent for the third term and the tenant does not pay the rent they are liable for. </span><br />
</span><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: verdana;"><img alt="Student in accommodation" border="0" data-original-height="1600" data-original-width="900" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbalXpUC5mHDb6KbDAKPLxaPsip37960GcYL5DaKSMJf08hDz-XqddcIelb_2lniIDl-t21DTUazKIIV-dDaCbrYkAMjh2ZmG7vRncVh5CF9VWRNllq3ua3QnTOqdBhpRa_SiFlfBSZwo/s320/20140725_184654.jpg" style="margin-left: auto; margin-right: auto;" title="Student in accommodation" width="180" /></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: verdana;">Student in accommodation</span></td></tr>
</tbody></table>
<span style="font-family: verdana;"><span face=""></span><br />
<span face=""></span>
<span face="">It is an interesting dilemma, as some students are having to stay in their rented accommodation. Perhaps because they are from overseas or they are estranged from their family or are a care leaver. Should these students have to pay their rent while others with the same legal contractual obligation not have to pay? Given that the funders appear to be awarding the full third term installment of maintenance loan, this would make those students with no "home home" to return to, financially worse off. </span><br />
<span face=""><br /></span>
<span face="">Also worth remembering is that not all private landlords are able to afford the unexpected loss of income either. </span><br />
<span face=""><br /></span>
<span face="">It is a tricky matter, so do always seek specialist housing advice and guidance (see below). </span><br />
<span face=""><br /></span>
<span face="" style="color: #674ea7;"><b>For Housing Advice see</b></span><br />
<a href="https://www.blogger.com/goog_1375281543"><span face=""><br /></span></a>
<span face=""><a href="http://www.shelter.org.uk/">www.shelter.org.uk</a> </span><br />
<a href="https://www.blogger.com/goog_1375281547"><span face=""><br /></span></a>
<span face=""><a href="https://www.citizensadvice.org.uk/housing/" target="_blank">www.citizensadvice.org.uk</a></span><br />
<br />
<span face="" style="color: #674ea7;"><a href="https://www.nationaldebtline.org/EW/factsheets/Pages/coronavirus-advice-and-support/help-and-advice.aspx" target="_blank">www.nationaldebtline.org.uk</a></span><br />
<span face=""><br /></span></span>
<span face=""><br /></span>
<span face=""><br /></span>
<span face=""><br /></span>
</div>
Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com2United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-39182389702727152002020-04-06T22:45:00.002+00:002020-09-27T23:49:22.637+00:00Levitate Student; Student Finance 2020<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: left;">
<iframe allowfullscreen="true" frameborder="0" height="299" mozallowfullscreen="true" src="https://docs.google.com/presentation/d/e/2PACX-1vTCtLJK_OmtMzhkVdyGFiVKAZS67iSE0ha4mv5OqMRKuBg61_G8rnWqn-qBF49oB6gnA__lkJv3-ott/embed?start=true&loop=true&delayms=5000" webkitallowfullscreen="true" width="480"></iframe></div>
<div style="text-align: left;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "verdana" , sans-serif;">Aimed at students .....</span></div>
<div style="text-align: left;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: left;">
</div>
<ul style="text-align: left;">
<li><span style="font-family: "verdana" , sans-serif;">studying a first undergraduate degree</span></li>
<li><span style="font-family: "verdana" , sans-serif;">who normally live in England before their course begins</span></li>
<li><span style="font-family: "verdana" , sans-serif;">who will apply to Student Finance England for student finance</span></li>
<li><span style="font-family: "verdana" , sans-serif;">who will be studying at a Higher Education Institution outside of London</span></li>
</ul>
<div>
<span style="font-family: "verdana" , sans-serif;">N.B. This presentation is for information only, it should not be construed as advice and should not be used in place of information provided by the government and Student Finance England on www.gov.uk </span></div>
<br />
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">Reference Sources </span><br />
<br />
<span style="font-family: "verdana" , sans-serif;"><a href="http://www.gov.uk/">www.gov.uk</a> </span></div>
<div style="text-align: left;">
<span style="font-family: "verdana" , sans-serif;"><br /></span><a href="https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021.pdf"><span style="font-family: "verdana" , sans-serif;">https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021.pdf</span></a></div>
<div style="text-align: left;">
<a href="https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021.pdf"><span style="font-family: "verdana" , sans-serif;"><br /></span></a><span style="font-family: "verdana" , sans-serif;"><a href="https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021.pdf">https://www.practitioners.slc.co.uk/media/1750/financial-memorandum-for-202021.pdf</a> </span></div>
</div>
Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com11United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-81427096104625434442020-03-14T22:01:00.004+00:002020-08-30T01:06:52.318+00:00Levitate Student - Can You Please Stop Dumbing Down Student Money Advice!<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: verdana;"><span face="">I have worked tirelessly over the years to establish student money advice services that have safe service boundaries and appropriate quality measures in place. I have worked to ensure staff providing <b><span style="color: #351c75;">Information Advice and Guidanc</span>e</b> have the appropriate competency levels to be delivering such services. </span><br />
<span face=""><br /></span>
<span face="">When I first moved from <span style="color: #38761d;"><b><a href="https://www.citizensadvice.org.uk/" target="_blank">Citizens Advice</a></b></span> to the HE Advice sector my new manager told me that I would be able to "get my supervision from Citizens Advice" (where I still volunteered some of my time). I could not believe it!! It was clear I had joined an employer and a service that had no professional supervision mechanisms in house. No one was checking the quality or consistency of the advice been given by the various team members and the team were free to advise on what they fancied - from student money to benefits and debt matters, you name it. No framework, no limits no boundary.</span><br />
<span face=""><br /></span>
<span face="">I wondered whether to run for the hills immediately or stay and try and do something to change things. I chose the latter and over time introduced appropriate competency ring fencing around the advice service. I introduced a method for the advisers to peer review each others work and coach one another to ensure quality, consistency and improvement. I drew up clear distinctions between which areas of IAG we would provide specialist advice on and which we would limit to generalist guidance with signposting to specialists.</span><br />
<span face=""><br /></span>
</span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6XgrjR8Dx3HIyuplSYii_FH8tgqIwFQhr-cBQR888Qm1SYQFkSfppB8OT7u-4GpgODIZ6035nN3BI8XFo5UKmkGaLaTmrS5IfYehTCJOFz2B1j85jiazmn8q3-Khxtz5DhSV-Su0c4dA/s1600/IandGlogo.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span face="" style="font-family: verdana;"><img border="0" data-original-height="298" data-original-width="800" height="74" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6XgrjR8Dx3HIyuplSYii_FH8tgqIwFQhr-cBQR888Qm1SYQFkSfppB8OT7u-4GpgODIZ6035nN3BI8XFo5UKmkGaLaTmrS5IfYehTCJOFz2B1j85jiazmn8q3-Khxtz5DhSV-Su0c4dA/s200/IandGlogo.jpg" width="200" /></span></a><span style="font-family: verdana;"><span face="">Over the years it became clear that the quality of money IAG provision in the HE sector is patchy to say the least. Student Unions are much more likely to be accredited with a recognised advice quality mark than services provided by the universities themselves. While the National Association of Student Money Advisers have introduced an "accreditation" , it seems to be limited to a form of confirmation of engaging with Continuous Professional Development rather than establishing any minimum standards or competency framework. That said I would argue it is not something they should be required to provide, rather it is the responsibility of the Higher Education Institutions (HEI's) to ensure the quality of the services they deliver.</span><br />
<span face=""><br /></span>
<span face="">There is a tendency in some HEI's to "keep it simple" when informing their prospective students and their families on money matters. They don't need to know the nitty gritty after all do they?. Unfortunately there is nothing simple about student finance rules and regulations and the way these impinge on and conflate with other rules and regs such as those governing welfare benefits etc. Open Days are often fronted by teams from Admissions or Recruitment who have little specialist knowledge on the complexities of money matters. They have a neat little powerpoint covering the basics (which is fine) but how many of these staff in the corporate T-shirt with the matching corporate smile, simply fold, guess and ultimately mis-guide when asked a tricky money question by a customer?</span><br />
<span face=""><br /></span>
<span face="">One such member of staff said to me that in their view it simply isn't appropriate to be talking about "personal stuff" like divorce or family break down or illness at an Open Day stand. I presume they felt a customer with a question about whether they might lose their benefits on moving university or what to do because they have been kicked out of home, needs to just step aside and stop putting a dampener on the lovely event. I mean look at the lovely balloons - we don' want to be talking about fleeing violence today!!</span><br />
<span face=""><br /></span>
<span face="">At one Open Day a concerned and confused staff member came to find me to say that in a lecture an Academic was telling a group of postgraduate pre-registration NHS students and their families that they could get a £13K tuition fee loan. Was this right she asked me. Er no!! </span><br />
<span face=""><br /></span>
<span face="">It was quite amusing and a tad intimidating when told of my concern, the Academic came marching up to me to inform me the law had changed for NHS students and now they could get the student loan to pay the fee. When I asked him what regulation he was referring to he was very light on detail. I made him aware of the regulations that had actually recently changed and the rules that limited the fee loan available to £9,250. Also of the right of institutions had to charge more than the £9,250 for this sort of course if they so choose. However I guide him and the faculty accountant and the finance director that it would be challenging for these students to make up the difference themselves for a course fee of £13K given (were eligible) they would only have access to the £9,250 fee loan. We took steps to contact all the customers and correct the mis-guidance, signpost them to our service for help and to bring in the <b style="background-color: white;"><a href="https://www.practitioners.slc.co.uk/about-us/funding-information-partners-account-managers/" target="_blank">Student Loans Company</a></b> to provide some training in the Faculty of Health. </span><br />
<span face=""><br /></span>
<span face="">Given my role as a manger with student finance expertise - why hadn't I been consulted prior to the Open Day? Because Student Finance is a subject that many folk reckon they can have a reasonable guess at - because its bound to work like this, right??</span><br />
<span face=""><br /></span>
<span face="">I was talking again this week about discussing student finance with prospective students and their families. Keep it simple - a very short talk was the steer. In Citizens Advice if a client comes to talk about Universal Credit the advisers don't think, I will keep it dead simple, I won't mention this rule, or flag up that timeframe - its too complicated for this client and not simple. No - they have a duty to advise in a complete manner and account for the advice given in a thorough record. They are trained and skilled at ensuring clients receive appropriate, correct and complete information irrespective of the clients level of understanding, prior knowledge, vulnerability, level of English etc. It takes skill, patience, support but it doesn't involve giving incomplete help though...information about their rights and responsibilities are not dumbed down.</span><br />
<span face=""><br /></span>
<br />
</span><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid6SdMwv6gi-NMzoZIQQQSrA6noeB7caRz1h_4b2h5nr2o3QEAR-2lMdYLJn48DOB7_64OrHiNn96j7N-kNlMyeVm-kQ7ng7y2SRegNrT01SSdAuBty5hgOn3ilirydp3pZ3Kh5HM6rb0/s1600/Wordcloud.png" style="margin-left: auto; margin-right: auto;"><span face="" style="font-family: verdana;"><img alt="" border="0" data-original-height="768" data-original-width="1372" height="111" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid6SdMwv6gi-NMzoZIQQQSrA6noeB7caRz1h_4b2h5nr2o3QEAR-2lMdYLJn48DOB7_64OrHiNn96j7N-kNlMyeVm-kQ7ng7y2SRegNrT01SSdAuBty5hgOn3ilirydp3pZ3Kh5HM6rb0/s200/Wordcloud.png" title="money wordcloud" width="200" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span face="" style="font-family: verdana; font-size: small;">Money Wordcloud</span></td></tr>
</tbody></table>
<div style="text-align: right;">
<span face="" style="font-family: verdana;"><br /></span></div>
<span style="font-family: verdana;"><span face="">Universities and HEI's should have a similar duty of care and service quality standards or <span style="color: red;"><b>stop advising</b>.</span> How many students have made incorrect choices based on poor guidance they have received from an HEI? Who knows, as in many cases the conversations and "advice" given won't be recorded anywhere. In a recent role I faced a fairly high level of indignation when I joined as a new service as manager and insisted that the team stop saying they were <b>Advisers. </b>None of the required quality measures and competency frameworks where in place so I restricted their activities to <b>Information and Guidance only</b>. I brought in trainers from <b><span style="color: #351c75;"><a href="https://www.adviceuk.org.uk/" target="_blank">AdviceUK</a></span></b> to provide some basic training on the difference between these and to add gravitas to my insistence of what changes would be needed before Money Advice could be given. This service had of course been running for many years before I arrived......</span><br />
<span face=""><br /></span>
<span face="">The problem lays with the senior managers who appoint staff to deliver these services with little to no understanding of what is required and what "good practice" is. Like I did way back when, many staff try to make these services safe themselves where there is a dereliction of responsibility by their employer. That's not okay and it's not fair.</span><br />
<span face=""><br /></span>
<span face="">I would love the <b><span style="color: #351c75;"><a href="https://www.officeforstudents.org.uk/" target="_blank">Office for Students</a></span></b> to set minimum quality standards for HEI's delivering Student Money Advice services - and it should never be dumbed down. </span></span></div>
Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-65318685077493861812018-10-02T19:30:00.001+00:002020-08-30T01:15:06.771+00:00From Hardship to a Helping Hand - guest essay<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: verdana;"><br />
</span><div align="center" class="MsoNormal" style="text-align: center;">
<u><span face="" style="font-family: verdana;"><b style="background-color: white;"><span style="color: #351c75;">From
Hardship to a Helping Hand: it is time for Universities to rethink Student
Money Support</span></b><span style="background-color: purple;"><o:p></o:p></span></span></u></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<a href="https://www.blogger.com/null" name="_GoBack"><u><span face="" style="color: #38761d; font-family: verdana;"><b><br /></b></span></u></a></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="color: #38761d; font-family: verdana;"><b>Introduction<o:p></o:p></b></span></u></span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><span face="" style="font-family: verdana;"><span style="color: orange;"><b><span style="mso-spacerun: yes;"> </span>“Yours Sincerely, Oliver Twist!”</b></span><o:p></o:p></span></i></span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><span face="" style="font-family: verdana;"><br /></span></i></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">This is how a student
signed an email to me in my role as manager of a Higher Education (HE) Money Support
Service. No doubt, his was tongue firmly in his cheek but he was letting me know
how he felt about coming to me for a handout. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">At that time, I was
facilitating a steering group, leading the Personal Finance strand of the University
Wellbeing Strategy. Meetings took place in a building once occupied by Emmeline
Pankhurst circa 1894 in her role as a Manchester Poor Law Guardian</span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN CSL_CITATION
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. What would she make, of hardship handouts, not
in the street of Victorian England, but in seats of world-class tertiary
education in 2018? <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">“Hardship“ has become
embedded in the parlance of the HE sector. The affordability issue grew over
the years, as government attempted to shift the opportunity of tertiary
education from the privileged few into the reach a third of 18 year olds </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(UCAS, 2017)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">However, “hardship” need
not be an inevitable consequence of wider participation. HE institutions should
shake Dickensian undertones and move away from providing support under the
banners of Hardship, Crisis and Emergency. Instead, they should focus on raising
money confidence of students. They should promote money knowledge,
resourcefulness but, more importantly, self-awareness into personal attitudes
to money. HE institutions should consider incentivising engagement with money
support services</span><span style="mso-bookmark: _GoBack;"> and, instead of topping up incomes, use funds to help students build up assets.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face="" style="color: #38761d;"><span style="font-family: verdana; mso-bookmark: _GoBack;"><b><br /></b></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><b><span style="color: #38761d;">Historical Context and
Time to change </span></b><o:p></o:p></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face=""><b><span style="color: #38761d; font-family: verdana;"><br /></span></b></span></u></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">In 2004, the government
introduced the Access to Learning Fund (ALF) replacing pre-existing hardship
Loans and grants. This change was prompted by the Higher Education Act 2004,
which introduced variable higher tuition fees </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(UK Government,
2004)</span></span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. The aim of the ALF was to provide “simpler and more transparent
arrangements for students in financial difficulty </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Department for
Education and Skills, 2003)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><span style="mso-spacerun: yes;"> </span>For 2013-14 alone, a £37 million budget was
allocated to the ALF nationally. Multiplied by the ten years it ran, this was
quite an investment in hardship. Over those ten years, institutions reported
back annually with head count data. In 2014, funding was withdrawn, leaving
institutions to their own devices. Most have continued to provide hardship
schemes administered using a version of the former ALF guidance. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">If the ALF was introduced
in response to concerns that fee increases may deter those from low income
backgrounds from entering HE, then time has proven the worry unfounded. The
Department of BIS 2014 report “National Strategy for Access and Student Success
in Higher Education” stated<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">“UCAS data shows that, between 2012 and 2013, application rates for
18-year-olds to fulltime undergraduate courses have increased by one percentage
point to 35 per cent. It also reports the highest recorded rates of
applications from people from disadvantaged groups – continuing a pattern of
substantial increases over the past 10 cycles.” </i></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'><i
style='mso-bidi-font-style:normal'>ADDIN CSL_CITATION {
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}<span style='mso-element:field-separator'></span></i></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Department
Business for Innovation and Skills, 2014)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-no-proof: yes;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">In those 10 cycles, no
attempt was made by government to explore the difference ALF made to the
millions of funds recipients. Emmeline Pankhurst, writing in her memoirs of the
Poor Law Guardians, could almost have been describing the ALF accounting
process when she wrote:<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">“I found that the law was being very harshly administered. The old
board had been made up of the kind of men who are known as rate-savers. They
were guardians, not of the poor but of the rates”. </i></span><span style="mso-bookmark: _GoBack;"></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'><span
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-family: Arial; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-GB;"><span style="mso-no-proof: yes;">(Pankhurst, 1914)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-family: Arial; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-GB;"> .</span><i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-GB;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The government has
arguably changed their stance as they now call for <i style="mso-bidi-font-style: normal;">“a robust approach to evaluation,” </i>so the sector understands<i style="mso-bidi-font-style: normal;"> “which of their activities have the
greatest impact on access, student success and progression”</i></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'><i
style='mso-bidi-font-style:normal'>ADDIN CSL_CITATION {
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}<span style='mso-element:field-separator'></span></i></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Department
Business for Innovation and Skills, 2014)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">.</i> With
little historic data to steer them, it must hard for HE institutions to decide
whether it is strategically wise to continue to invest in money support. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">However they do now need
to decide their own strategy on money support; devise their own rationale and
priorities and, more importantly, evaluate outcomes and impact. Instead of
being “rate savers” focusing on good hardship fund accounting, attention should
be on meaningful interventions that benefit students and fulfill strategic aims
of retention, progression and success.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="color: #38761d; font-family: verdana;"><b><u>Financial Capability –
whose job is it anyway?<o:p></o:p></u></b></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><br /></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">One might object here
about whether responsibility lays with universities to deliver money support.
The government provide the statutory funding and plenty of supporting guidance.
Help is available via independent agencies too, for example, the consumer guru
Martin Lewis takes a lead in championing student finance matters. It could be
reasoned, that resources such as these should suffice in providing money
guidance. <span style="mso-spacerun: yes;"> </span>Surely if the issue is that statutory
funding is not enough, then this is a matter for the central governments of the
UK and not the universities role to provide a money top up.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Universities offering
money support and Information Advice and Guidance (IAG) may in fact be failing
in that responsibility. The National Union of Students Poverty Commission in
their report “Class dismissed: Getting in and getting on in further and higher
education” were scathing about HE providers, stating:<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">“<i style="mso-bidi-font-style: normal;">there is a market in poverty: the tertiary education environment has
either knowingly or unknowingly commodified class. It has generated specific
income streams by monetising inequality and risk. This ‘poverty premium’ is
endemic and is present throughout the various educational transactions,
services and consequences relating to people from working class backgrounds.”<o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><i style="mso-bidi-font-style: normal;"><br /></i></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">And that:<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">“<i style="mso-bidi-font-style: normal;">Student loans are recycled into extraordinary profits for landlords and
bus companies while students experience poverty.”</i></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'><i
style='mso-bidi-font-style:normal'>ADDIN CSL_CITATION {
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}<span style='mso-element:field-separator'></span></i></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(NUS Poverty
Commission, 2018)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Universities of course are
landlords, providing accommodation and charging rents which the NUS say are
“exceeding what is affordable”. </span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">The assertions by the NUS suggest that HEIs are
neither sufficiently independent nor impartial to deliver money guidance. The
alternative of leaving money guidance to NUS affiliated advisers or third
sector leaders such as Citizens Advice, would perhaps be better for students.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">How could the provision
of on campus money IAG be better for students? Well, a review of research on
what matters to young people in terms of advice provision states:<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><span face="" style="font-family: verdana;">“Young people want their advisers to specialise in working with young
people […] Due to a strong sense of belonging and identity, young people tend
to be far more comfortable getting advice from advisers who are focused solely
on their age group rather than on the public as a whole. […] <o:p></o:p></span></i></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">They need a ‘powerful friend’ to advocate for them and “value the
ability of their advisers to get things sorted out” </i></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'><i
style='mso-bidi-font-style:normal'>ADDIN CSL_CITATION {
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}<span style='mso-element:field-separator'></span></i></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Kenrick, 2009)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">.</i><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><br /></i></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Compared to non-student
specific agencies, expertise could be claimed by HEI money support staff, who are
members of the National Association of Student Money Advisers, which claims to
be: <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">“… the UK’s leading experts regarding student finance and student money
issues.” </i></span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-begin;mso-field-lock:yes'></span><span
style='mso-bookmark:_GoBack'><i style='mso-bidi-font-style:normal'>ADDIN
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-no-proof: yes;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Indeed, in spite of their
criticism, the NUS poverty commission doesn’t ask for HEI to stop providing
guidance but to simply “ensure information, advice and guidance meets the needs
of learners not providers” </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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Commission, 2018)</span></span><!--[if supportFields]><span style='mso-bookmark:
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<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Students experience
better outcomes when they have a sense of “belonging” and feel “supported and
encouraged” in their day to day encounters with university staff </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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CSL_CITATION { "citationItems" : [ { "id" :
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(ARC Network, 2015)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. So the delivery of high quality money IAG within
the HE institutions should arguably lead to better outcomes than if this help
were provided off campus. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The government wants to
“develop a more joined-up approach to the provision of effective information,
advice and guidance through the schools and further education sectors and into
and beyond higher education”. Rather than “static” IAG they want more
personalised programmes of support, embracing the needs of the students and
also their “parents, carers and other key influencers” </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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CSL_CITATION { "citationItems" : [ { "id" :
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"PMID" : "25246403", "abstract" : "OFFA and
HEFCE are pleased to present this national strategy for access and student
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higher education sector and with other key stakeholders.",
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Department
Business for Innovation and Skills, 2014)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">If now is the time for
HEIs to review their support fund provision; they would be wise to also look at
their IAG model and the competencies of those tasked to deliver it. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Given the lack of ALF data,
the HE sector could look instead towards the wealth of research carried out by
the Money Advice Service (MAS) to inform its money IAG strategy.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-spacerun: yes;"> </span>MAS have identified that young adults have a
preference for receiving guidance from family, peers or near peers </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Harrison, Marchant
and Ansell, 2016)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<span style="mso-bidi-font-weight: bold;"> MAS have
also identified money tips that young people respond well to. They guide that
young people need IAG to be achievable, include calls to action, not be over
simplified and that it also should be empowering rather than reprimanding</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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style='mso-bidi-font-weight:bold'>ADDIN CSL_CITATION {
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Malton and Clarkson, 2017)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">.<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;">Such research finding could help a university establish schemes such as
peer money mentoring or guidance to help parents of students.<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><span style="mso-bidi-font-weight: bold;">Of course not all HE students are 18 to 24 years old</span> but <span style="mso-bidi-font-weight: bold;">MAS research embraces all segments of the
population so their resources should serve as a useful toolkit whatever the age
of the student. <o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face=""><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Aligning to the national
strategy of financial capability may help students see their money issues as
part of a bigger picture and knowledge of the strategy provide a continuum for
beyond graduation<span style="mso-bidi-font-weight: bold;"><o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><span style="color: #38761d;"><b>What is Financial Capability?</b></span><o:p></o:p></span></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><br /></span></span></u></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">If a University decides to deliver money IAG to improve financial
capability, what does this actually mean? There does not seem to be a single
universally accepted definition. Currently the MAS states that improving
financial capability and wellbeing means “addressing all the factors that
influence people’s behaviour around money: skills and knowledge, our attitudes
towards money, motivation to take action, and the accessibility of financial
services”. </span></span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-begin;mso-field-lock:yes'></span><span
style='mso-bookmark:_GoBack'><span style='mso-bidi-font-weight:bold'>ADDIN
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(The Money Advice Story, 2016)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"> <o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="font-family: verdana; mso-no-proof: yes;"><br /></span></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">Orton described a financially capable person as someone who “has the
skills and confidence to be aware of financial opportunities, to know where to
go for help, to make informed choice and to take effective action to improve
their financial well-being” <span style="mso-spacerun: yes;"> </span>and an
“enabling environment” is one which “promotes the acquisition” of these skills </span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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style='mso-bidi-font-weight:bold'>ADDIN CSL_CITATION { "citationItems"
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Orton, 2007)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">. Perhaps financial
capability requires “<a href="https://www.blogger.com/null" name="OLE_LINK1">the use of pedagogical methods that
enable people to practice and gain competency”</a> (</span></span><span style="mso-bookmark: _GoBack;"><span style="line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;">Johnson, E. and Sherraden, M. (2007)</span><span style="mso-bidi-font-weight: bold;">. So, perhaps Financial Capability ought to
be a taught option supplementing a student’s subject of choice. Then again, why
should a university take on responsibility for teaching anything other than the
courses their customers are paying for?<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">In reality, responsibilities like budgeting guidance are more likely to
fall to university support staff than academics. Birkenmaier cautions that it
is important such staff are “first financially literate themselves”</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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"date-parts" : [ [ "2009" ] ] }, "title" :
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Birkenmaier, J. and Curley, 2009)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">.</span> <span style="mso-bidi-font-weight: bold;">“The Case for Financial Literacy” cautions
against the real risks of delivering financial literacy badly</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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"ITEM-1", "issued" : { "date-parts" : [ [
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Robson, 2012)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. <span style="mso-bidi-font-weight: bold;">Appropriate
competencies should be part of the job descriptions and training of any staff
delivering money support initiatives.</span><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="font-family: verdana;"><span face=""> </span><span face="">Universities need to decide exactly what money
support services they wish to deliver, resource them appropriately and have
robust signposting and referral strategies to other IAG providers for matters
that fall outside their remit.</span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><br /></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="color: #38761d; font-family: verdana;"><b>The Hardship Brand</b><o:p></o:p></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><br /></span></u></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">It may be time to move away from hardship, crisis and emergency branding.
Though conceivably, these terms add gravitas to the circumstances being
addressed by the interventions and in turn add kudos to the support fund
provider. Like any form of branding the product or service name brings with it
some level of emotional connectivity, positive, negative or even ambivalent
associations </span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-begin;mso-field-lock:yes'></span><span
style='mso-bookmark:_GoBack'><span style='mso-bidi-font-weight:bold'>ADDIN
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attachment, its potential and limits for shielding brands from firms\u2019
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}<span style='mso-element:field-separator'></span></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Schmalz and Orth, 2012)</span></span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">. <o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;">It could be that terms like a “Helping Hand” with money would convey a
better message than “Hardship Funds”. Language that normalises money issues
would arguably help fund applicants recognise how the money is actually meeting
their need. Extreme terminology may infer an undue sense of seriousness, making
a student feel disempowered and believe that without intervention by the
university the money problem could not otherwise be resolved.<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><br /></span></span></span></div>
<div class="Default">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span color="" style="mso-bidi-font-weight: bold;">In their report Borrowed Years the Money Advice
Trust provided evidence that 18-24 year olds are likely to worry about money
matters, but there was <span style="mso-spacerun: yes;"> </span>“</span></span><span style="mso-bookmark: _GoBack;"><span color="">clear evidence that
a majority of young people are trying to budget and actively manage their
personal finances”</span></span><!--[if supportFields]><span style='mso-bookmark:
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span color="">. </span></span><span style="mso-bookmark: _GoBack;"><span color=""><span style="mso-spacerun: yes;"> </span>Given that
“managing money well, is important to young adults – ranking above having a job
they enjoy, keeping healthy and buying a home..”</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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2017)</span></span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span color="">, how likely is it that they would identify with
being in hardship or crisis when they need some help? </span></span><span style="mso-bookmark: _GoBack;"><span color="">The
language of hardship may play to a young person’s tendency to worry rather than
encourage their positive attempts to manage money well.<span style="font-size: 11pt;"><o:p></o:p></span></span></span></span></div>
<div class="Default">
<span style="font-family: verdana;"><br /></span></div>
<div class="Default" style="text-align: left;">
<span style="mso-bookmark: _GoBack;"><u><span style="font-size: 11pt;"><span face="" style="font-family: verdana;"><span style="color: #38761d;"><b>Nudges,
short cuts and self knowing</b></span><span color=""><o:p></o:p></span></span></span></u></span></div>
<div class="Default" style="text-align: left;">
<span style="font-family: verdana;"><br /></span></div>
<div class="MsoNormal" style="text-align: left;">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">If it is true that there is little evidence that financial education actually alters
behaviours </span></span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-begin;mso-field-lock:yes'></span><span
style='mso-bookmark:_GoBack'><span style='mso-bidi-font-weight:bold'>ADDIN
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other proven methods might work better? <u><o:p></o:p></u></span></span></span></div>
<div class="MsoNormal" style="text-align: left;">
<span face="" style="font-family: verdana;">The Financial Service
Authority’s review of behavioural economics literature concluded that financial
decision-making has stronger links to psychology than money knowledge <!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-no-proof: yes;">(de Meza, Irlenbusch
and Reyniers, 2008)</span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]-->. B<span style="mso-bidi-font-weight: bold;">ehavioural
economics could be used to nudge students towards improved money management
choices.</span><o:p></o:p></span></div>
<div class="Default">
<span style="font-family: verdana;"><br /></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The government Behavioural
Insights Team developed the MINDSPACE acronym. This guides that in order to
influence behaviour one must consider the impact of: messenger, incentives,
norms, default, salience, priming, affect, commitment and ego of those they
wish to nudge.<span style="mso-spacerun: yes;"> </span>Arguably, MINDSPACE
methodology could be too complex an approach for small money support services. A
simpler model called EAST, guiding that interventions be made Easy, Attractive,
Social and Timely - could be more achievable. </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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behavioural approaches across the policy community. Alongside the policy work
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many seminars, workshops and talks with policy makers, academics and
practitioners. From these many sessions, together with our trials and policy
work, has emerged a simple, pragmatic framework to help think about behaviour
change. In the early years, we often used the MINDSPACE framework, and indeed
some of the team were centrally involved in developing it.1 We still use this framework.
But we found in seminars that its nine elements were hard for busy policy
makers to keep in mind (itself reflecting \u2018cognitive chunking\u2019). At
the same time, we found in our day-to-day trials and policy work that some of
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have often found that simplifying messages, or removing even the tiniest amount
of \u2018friction\u2019 in a process, can have a large impact. For these
reasons, we wanted to develop a shorter, simple mnemonic \u2014 the EAST
framework. The EAST framework was developed by the Behavioural Insights Team
from early 2012. After initial testing in seminars given by members of the team
with UK Civil Servants, the first public \u2018outing\u2019 of EAST in its
final form was in a short series of lectures I gave in Harvard and Washington
later that year. Since then, we have refined and developed some of the core
concepts and ideas, based on new findings and feedback from those we have
tested EAST with. I would stress that, like most of what BIT does, it is very
much the work of the team, and many have contributed to it \u2013 not least our
friend and colleague Richard Thaler whose mantra is to \u2018make it
easy\u2019. We hope you find this guide helpful. Getting familiar with the EAST
framework won\u2019t turn you into the world\u2019s leading expert on
behavioural insight. There are more complex frameworks and typologies, and many
subtle and fascinating effects that EAST does not cover. But if even a small
percentage of policies and practices are adapted as a result, EAST should lead
to services that are easier and more pleasant for citizens to use, and more
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Work done by the MAS and
Ogilvy Change (a specialist behavioural interventions agency) is outlined in
their report “How to use behavioural science to increase the uptake of debt
advice” </span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-begin;mso-field-lock:yes'></span><span
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. They suggest 10 top tips to nudge clients into
better service engagement that any small money team could follow.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Alternatively, the answer
may lie in heuristics, “rules of thumb” or mental short cuts to help solve
complex issues. <span style="mso-bidi-font-weight: bold;">Some useful tips outlined
in “Young Adults and Money Management: behaviours attitudes and useful rules of
thumb” could easily be followed by student money support services </span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">.</span><o:p></o:p></span></span></div>
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<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">Other research suggests that support services should incorporate “stress
coping skills, and measures to address agency, or self-efficacy into the advice
and support” as they may be important factors effecting money management
behaviours especially when people are under pressure </span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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individual-level factors relating to consumer financial behaviors during
periods of distinct pressure to spend may provide new insights as to the
particular barriers people face in maintaining better control over their finances.
Using Christmas as a focal example of a financially and psychologically
pressured time, we collected survey data (N = 294) in the post-Christmas 2013
period, and investigated the extent to which levels of reported spending and
borrowing in relation to Christmas could be predicted by sociodemographics,
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locus of control, materialism, and spendthrift tendencies. A separate analysis
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<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">So it seems a little self
awareness could go a long way. As stated in the article by David de Meza et
al.:<span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;"><o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face=""><span style="font-family: verdana; mso-spacerun: yes;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">“Financial capability involves knowledge and skills, but attempts to
improve these may not lead to better outcomes. What people choose to know and
what they do with their knowledge may primarily depend on their intrinsic
psychological attributes” </i></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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}<span style='mso-element:field-separator'></span></i></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(de Meza,
Irlenbusch and Reyniers, 2008)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;">.<o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><i style="mso-bidi-font-style: normal;"><br /></i></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Is it actually worth the
effort though, if the recipients own intrinsic make-up has a more significant
influence on the outcomes than education? The answer seems to be yes, as having
low financial capability has a detrimental impact on mental health. So attempts
to promote financial capability could have “beneficial spill-overs on
psychological health in addition to the expected benefits associated with
reducing problem debt and welfare dependency and increasing savings and general
skills”</span><!--[if supportFields]><span style='mso-bookmark:_GoBack'></span><span
style='mso-element:field-begin;mso-field-lock:yes'></span><span
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Taylor, Jenkins
and Sacker, 2011)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">The government are
calling for universities to “dramatically improve their mental health offering
for students” (Department for Education 2018). So it should be worth attempting
to improve financial capability for the knock-on mental health benefits at
least.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><span style="color: #38761d;"><b>What works?</b></span><o:p></o:p></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><br /></span></u></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The government wants
evidence based evaluation in order to understand which interventions have the
“greatest impact on student access, success and progression”</span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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"abstract" : "OFFA and HEFCE are pleased to present this
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Department
Business for Innovation and Skills, 2014)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. <span style="mso-bidi-font-weight: bold;">So how
can this be measured?<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="font-family: verdana; mso-bidi-font-weight: bold;"><br /></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">Toynbee Hall (a leader in the fight against poverty since Victorian times)
developed a resource known as the MAP tool to help evaluate impact. Agencies use
the tool to monitor the financial wellbeing of the people they help. It is
quite a detailed resource, so a less complicated tool might be better for small
money teams. Citizens Advice developed a simple questionnaire, where clients
score their own financial capability against set measures at the start of an
intervention and then later, to monitor progress. </span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
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style='mso-bidi-font-weight:bold'>ADDIN CSL_CITATION {
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">.<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;">Gathering feedback would help with qualitative issues though this is a
short term perspective and alone could make services appear to deliver a “s</span>ticking
plaster remedy with no transformative effect”</span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
CSL_CITATION { "citationItems" : [ { "id" :
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style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<span style="mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span face=""><span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span style="font-family: verdana; mso-spacerun: yes;"><br /></span></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;">Monitoring retention and academic outcomes of students, who receive money
support, could highlight the value of such interventions. <o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;">Tapping into the expertise and resources of agencies such as Toynbee
Hall, Citizens Advice and the Money Advice Service would make it much easier
for small university teams to have confidence that they were using well-researched
methods and are in step with current money sector practice.<o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span style="mso-bidi-font-weight: bold;"><span face="" style="color: #38761d; font-family: verdana;"><b><br /></b></span></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><b><span style="color: #38761d;">Incentivising asset building</span></b><o:p></o:p></span></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span style="mso-bidi-font-weight: bold;"><span face="" style="font-family: verdana;"><br /></span></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">The ALF was based upon
the model used to calculate means-tested welfare benefits such as Income
Support. Michael Sheridan argued that this minimum income approach to hardship
represents a passive form of social policy that should be rejected as “social
entitlement without [...] greater emphasis on personal responsibility” (Sheridan,
Michael 1991). Instead of linking income levels to well-being, Sheridan
advocated an assets based social policy, focused on "increasing the
capacity of people to attain what they have reason to value". Such
recommendations influenced the UK government which shifted toward asset based
social policy, through the introduction of for example incentivised saving
programmes to encourage financial goal setting.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The Money Advice Trust
recommended that “Government should consider how to create opportunities for
young people to save regularly and to be incentivised to do so “ </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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Trust, 2016)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. Research suggests that financial worry and
anxiety is decreased with increased savings levels </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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2013)", "plainTextFormattedCitation" : "(Lemos,
2013)", "previouslyFormattedCitation" : "(Lemos,
2013)" }, "properties" : {<span style='mso-spacerun:yes'>
</span>}, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Lemos, 2013)</span></span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;"> and for positive outcome to occur the assets
acquired don’t need to be large<span style="mso-spacerun: yes;"> </span>(Brynner,
J. and W. Paxton 2001). <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The young Dreamers,
Drifters and Planners identified by the MAS (Young Adults’ Financial
Capability) do set money goals but they lack confidence. They focus on short
term planning. They tend to want to keep things simple leading to a
“(potentially false) sense of financial confidence in the present, but coupled
with longer-term fears for financial security”</span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Harrison, Marchant
and Ansell, 2016)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">Young people have “save
to spend” attitudes, along with a sense of the “future being a long way off”
and “passive acquiescence” that things won’t happen to them. With respect to
the personal responsibility that Sheridan advocates, many students “tended to
defer personal responsibility to the future” </span><!--[if supportFields]><span
style='mso-bookmark:_GoBack'></span><span style='mso-element:field-begin;
mso-field-lock:yes'></span><span style='mso-bookmark:_GoBack'>ADDIN
CSL_CITATION { "citationItems" : [ { "id" :
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"ITEM-1", "issued" : { "date-parts" : [ [
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"plainTextFormattedCitation" : "(Harrison, Marchant and Ansell,
2016)", "previouslyFormattedCitation" : "(Harrison,
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}<span style='mso-element:field-separator'></span></span><![endif]--><span style="mso-bookmark: _GoBack;"><span style="mso-no-proof: yes;">(Harrison, Marchant
and Ansell, 2016)</span></span><!--[if supportFields]><span style='mso-bookmark:
_GoBack'></span><span style='mso-element:field-end'></span><![endif]--><span style="mso-bookmark: _GoBack;">. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">So with all this in mind,
university money support should perhaps move away from the income support model
of ALF. Instead they could incentivise engagement with IAG, support asset
building habits, promote income maximisation, encourage saving for short term
goals and longer term financial sustainability. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><span style="color: #38761d;"><b>Conclusion </b></span><o:p></o:p></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><u><span face="" style="font-family: verdana;"><br /></span></u></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;">Universities must review
their money support services and deliver in environments where students are
likely to engage. The focus should be on building money confidence and
knowledge about trusted agencies. Guidance should be provided not only to students,
but also those who influence them such as their families. Near peer mentoring
schemes should be considered and static information resources avoided. Attempts
should be made to promote self knowing and increase insight into how one’s own
intrinsic nature can impact money management choices. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-bookmark: _GoBack;"><span face="" style="font-family: verdana;"><br /></span></span></div>
<div class="MsoNormal">
<span face="" style="font-family: verdana;"><span style="mso-bookmark: _GoBack;">The HE sector must shift
from providing handouts or incomes top ups and instead promote asset building to
help develop the future focus students. Most importantly, Universities need to
build a body of evidence as to what intervention works and to begin to make up
for the failings of the ALF era.</span><o:p></o:p></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><br /></span></span></div>
<div class="MsoNormal">
<span face=""><span style="font-family: verdana; mso-bookmark: _GoBack;"><b><u>References</u></b></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">McNair, S. <i>et al.</i> (2016) ‘Individual-level factors
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Meakin, S. I. of M. A. (2013) <i>Message from the Chair</i>.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">de Meza, D., Irlenbusch, B. and Reyniers, D. (2008) ‘Consumer
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<span face="" style="font-family: verdana; font-size: x-small;"><i><span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;">Money Advice Service - Impact Principles</span></i><span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"> (2018).
Available at: https://www.fincap.org.uk/impact-principles (Accessed: 10 August
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<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Money Advice Trust (2016) ‘Borrowed Years’.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">NASMA (2018) <i>Our Values</i>. Available at:
http://www.nasma.org.uk/About-us/Our-Values/ (Accessed: 10 August 2018).<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">NUS Poverty Commission (2018) ‘Class dismissed : Getting in
and getting on in further and higher education’, <i>Report of the NUS Poverty
Commission</i>.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Office for Students (2018) <i>Office for Students: new code
on senior pay ‘a positive step</i>. Available at:
https://www.officeforstudents.org.uk/news-blog-and-events/news-and-blog/office-for-students-new-code-on-senior-pay-a-positive-step/
(Accessed: 11 August 2018).<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Orton, L. (2007) <i>Financial Literacy : Lessons from
International Experience Financial Literacy : Lessons from</i>.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Pankhurst, E. (1914) <i>My Own Story</i>.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Robson, J. (2012) ‘The Case for Financial Literacy’.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Schmalz, S. and Orth, U. R. (2012) ‘Brand Attachment and
Consumer Emotional Response to Unethical Firm Behavior’, <i>Psychology &
Marketing</i>, 29(11), pp. 869–884. doi: 10.1002/mar.20570.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Service, O. <i>et al.</i> (2014) ‘EAST Four simple ways to
apply behavioural insights’, <i>Nesta</i>, p. 53. doi:
http://behaviouralinsights.co.uk/publications/east-four-simple-ways-apply-behavioural-insights.<o:p></o:p></span></span></div>
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<span face="" style="font-family: verdana; font-size: x-small;">Sheridan, Michael (1991) Assets and the Poor: New
American Welfare Policy: A New American Welfare Policy<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Taylor, M., Jenkins, S. and Sacker, A. (2011) ‘Financial
capability , income and psychological wellbeing’.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">The Money Advice Story (2016) ‘Financial Capability of
Children , Young People and their Parents in the UK’.<o:p></o:p></span></span></div>
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<span face="" style="font-family: verdana; font-size: x-small;"><i><span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;">Toynbee Hall Our History</span></i><span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"> (no date). Available at:
http://www.toynbeehall.org.uk/our-history. (Accessed: 10 August 2018).<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">UCAS (2017) ‘End of Cycle Report 2017 : Patterns by applicant
characteristics UCAS Analysis and Research ( Publication date — 14 December
Confidential pre-publication draft Further revisions to text will occur’,
(December).<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">UK Government (2004) ‘Higher Education Act 2004’.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">Universities UK (2016) ‘WORKING IN PARTNERSHIP : ENABLING
SOCIAL MOBILITY The final report of the Social Mobility Advisory Group’.<o:p></o:p></span></span></div>
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<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;"><span face="" style="font-family: verdana; font-size: x-small;">West, J. (2012) ‘Financial Literacy Education and Behaviour
Unhinged : Combating Bias and Poor Product Design Financial Literacy Education
and Behaviour Unhinged : Combating Bias and Poor’.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span face="" style="font-size: x-small;"><span style="font-family: verdana; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-hansi-font-family: Calibri; mso-no-proof: yes;">Worthington, B. (2002) <i>Discovering Manchester: A Walking
Guide to Manchester and Salford - Plus Suburban Strolls and Visits to
Surrounding Attractions</i></span></span></div>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com2United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-28052674919545684612018-06-23T23:15:00.001+00:002020-09-27T23:17:38.708+00:00Levitate Student - Postgraduate Pre-registration NHS Students<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #351c75;"><b>Postgraduate Pre-registration NHS students were added to </b></span><b style="background-color: white; color: #484848;"><span style="color: #351c75;">Education (Student Support) Regulations 2011 by an amendment made back in February - </span><span style="color: #38761d;">this made it appear that they would be funded going forward in a similar way to Postgraduate Certificate in Education students in the form of loans and grants rather than NHS bursary. </span></b></span></div>
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<span style="background-color: white;"><span style="font-family: "verdana" , sans-serif;"><span style="color: #38761d;"><b>There was a bit of jiggery pokery when the regulation were revoked so the shift in funding could be debated in </b></span><span style="color: #38761d;"><b>parliament</b></span><span style="color: #38761d;"><b> but then the amendments to the regulations were reinstated.</b></span></span></span></div>
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<b style="background-color: white; color: #484848;"><span style="color: red;"><span style="font-family: "verdana" , sans-serif;">So it's loans and grants for these students going forward. </span></span></b></div>
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<b style="background-color: white; color: #484848;"><span style="color: red;"><span style="font-family: "verdana" , sans-serif;">We wondered if the maximum fee should be £9,250 in line the other courses which fall under the Education (Student Support)Regulations 2011 .</span></span></b></div>
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<b style="background-color: white; color: #484848;"><span style="color: red;"><span style="font-family: "verdana" , sans-serif;">A scan of university websites showed that there seemed to be some still advertising much higher fees for these courses. </span></span></b></div>
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<b style="background-color: white; color: #484848;"><span style="color: #38761d;"><span style="font-family: "verdana" , sans-serif;">We have clarified this with Office for Students and Dept for Education the former replied thus.....</span></span></b></div>
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<span style="color: blue; font-family: "verdana" , sans-serif;">The distinction between students’ eligibility for student support (including tuition fee loans) and whether or not students are subject to regulated tuition fee caps is correct.</span></div>
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<span style="color: blue; font-family: "verdana" , sans-serif;">On fee caps, for 2018-19, we are still operating under the system that applied under the Higher Education Act 2004 (<a href="http://www.legislation.gov.uk/ukpga/2004/8/contents" target="_blank">http://www.legislation.gov.uk/ukpga/2004/8/contents</a>).</span></div>
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<span style="color: blue; font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Compliance with fee limits is a condition of grant, under Section 24, which makes provision for this condition to apply in relation to qualifying courses and qualifying persons etc. The reason postgraduate pre-registration courses are not covered is a consequence of Section 41(1), which begins:</span></span></div>
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<i><span style="color: blue; font-family: "verdana" , sans-serif;">41 Interpretation of Part 3</span></i></div>
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<span style="color: blue; font-family: "verdana" , sans-serif;">(1)In this Part—</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: blue;">This does <u>not</u> change from 2019-20. Enforcement of regulated tuition fees will be a condition of registration under Section 10 of the Higher Education and Research Act 2017 (<a href="http://www.legislation.gov.uk/ukpga/2017/29/contents/enacted" target="_blank">http://www.legislation.gov.uk/ukpga/2017/29/contents/enacted</a>). </span><span style="color: blue;">Section 10(9) begins:</span></span></div>
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<span style="font-size: small;"><span style="color: blue; font-family: Verdana, sans-serif; font-size: xx-small;"><span style="font-family: Verdana, sans-serif;">(9)In this section—</span></span></span></div>
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<li style="margin: 0px;"><span style="font-size: small;"><span style="color: blue;"><span style="font-family: Verdana, sans-serif;">“higher education course” does not include any postgraduate course other than a course of initial teacher training;</span></span></span></li>
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<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>Department for Education said this...</b> </span></div>
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<b><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Higher Education and Research Act 2017</span></span></b></div>
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<span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Part 1 of HERA 2017 covers the Office for Students and includes the mandatory registration conditions:</span></span></div>
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<span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Section 10 covers mandatory fee limit conditions for certain providers (those in the Approved (Fee Cap) category).</span></span></div>
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<span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Section 10(3) of HERA stipulates the following: <i>‘“Regulated course fees” are fees payable to the provider by a qualifying person—</i></span></span></div>
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<i><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">(a) in connection with his or her undertaking a qualifying course, and</span></span></i></div>
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<i><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">(b) in respect of an academic year applicable to that course which begins at the same time as, or while, the provider is registered in the register.’</span></span></i></div>
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<span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Section 10(6) of HERA stipulates the following: <i>‘A “qualifying course” means a higher education course of a prescribed description.’</i></span></span></div>
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<span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">Section 10(9) of HERA stipulates the following: <i>‘In this section—</i></span></span></div>
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<i><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">“higher education course” does not include any postgraduate course other than a course of initial teacher training;</span></span></i></div>
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<i><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">“prescribed” means prescribed by regulations made by the Secretary of State for the purposes of this section.’</span></span></i></div>
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<b><span lang="EN"><span style="color: blue; font-family: "verdana" , sans-serif;">It follows therefore that postgraduate healthcare courses are not subject to fee caps under HERA 2017 for 2019/20.</span></span></b></div>
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<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>So student loans are available to replace NHS Bursaries but courses are not subject to the fee cap of £9,250. This means that a student could apply for the maximum fee loan of £9,250 while the institution could charge them more if they wanted. That said </b><a href="https://www.blogger.com/Not%20wanting%20to%20add%20to%20this%20I%E2%80%99m%20not%20copying%20everyone%20in%20%E2%80%93%20however%20thought%20you%20may%20be%20interested:%20I%E2%80%99ve%20been%20looking%20at:%20%20https://www.officeforstudents.org.uk/media/1448/ofs2018_21.pdf" style="font-weight: bold;" target="_blank">this document</a><b> from the Office for Students indicates a </b><b>financial</b><b> </b><b>compensation</b><b> given to the universities per head of post-graduate pre-registration NHS student on a course. However given the fees usually charged for these courses are in the region of £13,000 the amount of compensation per head seems to fall short of what the universities might argue they need.</b></span></div>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-2483607757489083652018-04-04T15:52:00.001+00:002020-09-27T23:16:22.314+00:00<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>Levitate Student - Amending the rules - Whats going on?</b></span></h2>
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<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>The government seem unclear about what its doing with student finance at the moment...here are three big concerns we have just now</b></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #351c75; font-weight: bold;">1) Part-timers can apply for maintenance loan for courses that start in autumn 2018 - </span><span style="color: #38761d;"><b>what we don't know is how this income will count against means-tested welfare benefits or what will happen if part-time students change study intensity during the academic year. </b></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="color: #38761d;"><b>Also it seems that the loan may be paid after the full-timers -a few weeks into the term, if this is true then it is not ideal.</b></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="color: #38761d;"><b><br /></b></span></span>
<span style="font-family: "verdana" , sans-serif;"><b><span style="color: #351c75;">2) Distance Learners chapters were removed from the Education (Student Support) Regulations 2011 by an amendment made back in February 18 - </span><span style="color: #38761d;">are they going to be put back in to the regulations? Would be good to know what to tell students about what funding they might be entitled to receive. Not clear what is happening here.</span></b></span><br />
<span style="font-family: "verdana" , sans-serif;"><b><span style="color: #38761d;"><br /></span></b></span>
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>3) Postgraduate Pre-registration NHS students were added to </b></span><b style="font-family: Verdana, sans-serif;"><span style="color: #351c75;">Education (Student Support) Regulations 2011 by an amendment made back in February - </span><span style="color: #38761d;">this made it appear that they would be funded going forward in a similar way to Postgraduate Certificate in Education students in the form of loans and grants rather than NHS bursary. That was until the government revoked this amendment at the end of March 2018 - so what is it to be? Bursary or loans and grants??? Give us a clue.</span></b><br />
<b style="font-family: Verdana, sans-serif;"><span style="color: red;">This is now reinstated so it's loans and grants for these students. However we would think that the maximum fee should be £9,250 if the courses fall under the Education (Student Support)Regulations 2011 but looking at university websites there seems to be some still advertising much higher fees for these courses........that doesn't seem right. </span></b><br />
<b style="font-family: Verdana, sans-serif;"><span style="color: #38761d;">We have clarified this with Office for Students and Dept for Ed so will write an updated post this week.....so visit again soon for the update.</span></b>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-79098708403686846522018-02-12T00:52:00.002+00:002020-09-27T23:15:33.733+00:00<div dir="ltr" style="text-align: left;" trbidi="on">
<b><span style="color: #351c75;">National Student Money Week #NSMW18</span></b><br />
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This is the week the members of the National Association of Student Money Advisers like to lift their heads from their casework and hardship fund administration to raise awareness of Student Money Matters.<br />
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Up and down the country in Higher and Further Education institutions will be getting involved in some way with the week long initiative. In fact it tends to spill over a bit into other weeks as the initiative often clashes with other events or reading weeks depending on the institution etc.<br />
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Anyway look out for events in your place of study - there will no doubt be fun and giveaways alongside the money information.<br />
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The theme this year is <span style="color: #6aa84f;"><b>"Where I Live"</b></span> - wonder what that means to you?<br />
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Listen here to two students talk about there experience as freshers living in their first students home.<br />
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<iframe allowfullscreen="" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i9.ytimg.com/vi/QevzD2s9hKY/default.jpg?sqp=CKy0g9QF&rs=AOn4CLD561Jnp6yzzwunFUpwJB2IZX7SlQ" frameborder="0" height="266" src="https://www.youtube.com/embed/QevzD2s9hKY?feature=player_embedded" width="320"></iframe></div>
<br />
In the news the Liberal Democrats have been recently looking at <a href="https://www.theguardian.com/society/2017/dec/25/tens-of-thousands-of-young-people-affected-by-homelessness-data-shows" target="_blank">Homelessness in 18-24 year olds</a>. They also asked Universities to tell them about how many s<a href="https://www.theguardian.com/education/2018/jan/20/17000-uk-students-university-accommodation-rent-arrears-debt" target="_blank">students living in university accommodation are threatened with eviction due to rent arrears</a> . Their Freedom of Information request highlighted a 16% increase in rent arrears in students in halls of residence.<br />
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For Information and Guidance visit your institutions Students Union web pages or the <a href="https://england.shelter.org.uk/housing_advice/private_renting/private_rented_housing_for_students" target="_blank">Housing Charity Shelter</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbalXpUC5mHDb6KbDAKPLxaPsip37960GcYL5DaKSMJf08hDz-XqddcIelb_2lniIDl-t21DTUazKIIV-dDaCbrYkAMjh2ZmG7vRncVh5CF9VWRNllq3ua3QnTOqdBhpRa_SiFlfBSZwo/s1600/20140725_184654.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="900" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbalXpUC5mHDb6KbDAKPLxaPsip37960GcYL5DaKSMJf08hDz-XqddcIelb_2lniIDl-t21DTUazKIIV-dDaCbrYkAMjh2ZmG7vRncVh5CF9VWRNllq3ua3QnTOqdBhpRa_SiFlfBSZwo/s200/20140725_184654.jpg" width="112" /></a>Read what Shelter has to say about your rights when facing rent arrears and the <a href="https://england.shelter.org.uk/housing_advice/eviction/eviction_of_students_in_halls_and_other_occupiers_with_basic_protection" target="_blank">threat of eviction from Halls of Residence</a><br />
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Increasing numbers of students are struggling to find a place to live over the summer vacations. Care Leavers and students Estranged from their families find this a specific challenge when many of their peers head home to live with family in the long vacation.<br />
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If you fall into either of these groups then ask your place of study if they have any initiatives to help support you? Many institutions have bursaries specifically for helping students in these groups. Some institutions work with the accommodation providers such as <a href="http://www.unitefoundation.co.uk/get-a-scholarship/" target="_blank">Unite to offer accommodation scholarships</a> which provide 52 week accommodation to the recipients. The charity <a href="http://standalone.org.uk/" target="_blank">Standalone</a> works with the Higher education sector championing the cause of Estranged Students. Students who are Care experienced should seek support from their Local Authority and organisations who help them know their rights for example the <a href="http://www.nnecl.org/" target="_blank">National Network for the Education of Care Leavers</a> .<br />
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Students who rent privately too often struggle with their tenancies - whether its is the high rents, not <a href="https://england.shelter.org.uk/housing_advice/private_renting/private_rented_housing_for_students" target="_blank">understanding their rights</a>, <a href="https://england.shelter.org.uk/housing_advice/repairs/what_to_do_if_your_landlord_wont_do_repairs" target="_blank">disrepair</a>, <a href="https://www.gov.uk/government/news/government-action-to-end-letting-agent-fees" target="_blank">agency administration fees</a>, problems with the <a href="https://www.gov.uk/tenancy-deposit-protection" target="_blank">deposits</a> etc etc.<br />
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Always seek advice when you have a housing problem - it can be very stressful so speaking to an expert can really help prevent problems escalating.<br />
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-86350311520322815102018-01-16T21:12:00.001+00:002020-09-27T23:14:32.526+00:00<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="color: #6aa84f; font-size: large;"><b>For the lovely commuter on the train today, here is a quick link to..... </b></span><br />
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<span style="color: #674ea7; font-size: large;"><b><a href="http://www.levitatestudent.com/2017/01/bankrupt-of-mum-and-dad.html" target="_blank">Bank-rupt of Mum & Dad</a> </b></span><br />
<span style="color: #6aa84f; font-size: large;"><b><br /></b></span>
<span style="color: #6aa84f; font-size: large;"><b>.......nice to natter and best wishes to your daughter as she starts her exciting journey into Higher Education </b></span><br />
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<span style="color: #6aa84f; font-size: large;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUi_n2w6wHJPJCGYsSD3l-4kzEfWXm8hfjwlpj7-vt5YjmQtawum4TOjYarongDUwFCpsAw2BEAexBD0t9xvbVGL2d13xUuLPStqfC5-xlOVGMrFA5aaeKmG3doxFKypoRfEDevbK36iY/s1600/B2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="833" data-original-width="772" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUi_n2w6wHJPJCGYsSD3l-4kzEfWXm8hfjwlpj7-vt5YjmQtawum4TOjYarongDUwFCpsAw2BEAexBD0t9xvbVGL2d13xUuLPStqfC5-xlOVGMrFA5aaeKmG3doxFKypoRfEDevbK36iY/s200/B2.png" width="185" /></a></b></span></div>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-21199125361485830492017-10-16T21:56:00.001+00:002020-09-27T23:13:38.539+00:00Levitate Student: Exceptions that prove the rule<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">The exception that proves the rule.......<o:p></o:p></span></u></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Whatever the often disputed
meaning of the phrase the “exception that proves the rule” there are many money
rules to which some students find themselves frustratingly excepted. Here are just
a few examples.<o:p></o:p></span></div>
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<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
can the repayment terms on a loan change after you have signed the agreement?<o:p></o:p></span></b></div>
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<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you are a student of course!<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Back in the crazy coalition days, (when let’s be honest
much politicking was shrouded in an illusion of compromise) the Government
increased the higher education tuition fees in England to £9,000 for the 2012
cohort of higher education students.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Keen eyed Student Money Advisers led in a taskforce by
Martin Lewis spotted new caveats added to the student support regulations about
the government being able to change the funding rules at any time. Worries began
to creep in about the reassurances those supporting the taskforce were offering
new students regarding affordability and repayments of student loans<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">Vince Cable the then Secretary for Department of Business
Innovation and Skill announced a new higher loan repayment threshold, increased
from a post study income of £15,000 to £21,000 per year for the 2012 cohort.
This meant a student under the 2012 system could earn more before having to
start repaying their loan.<o:p></o:p></span></div>
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<i><span style="color: #674ea7; font-family: "Verdana","sans-serif";">‘As announced on 3 November, that income threshold will be
£21,000 as from 2016, compared with the current threshold of £15,000. Our
modelling to date has assumed that that threshold should be<span class="apple-converted-space"> </span><b>uprated every five years in line
with earnings. In order to give better protection for those on lower incomes,
we now propose that the uprating should instead be made every year.<span class="apple-converted-space"> </span></b>Around a quarter of graduates will
be better off in this new, more progressive regime than under the current
regime.’</span></i><span style="font-family: Verdana, sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">Similarly from the Department for Business, Innovation and Skills
document FAQs regarding the 2012 student finance changes published in 2011:<o:p></o:p></span></div>
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<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif";">Q I’m worried that I’m going to be saddled with a lifetime of
debt as a result of the changes</span></i></b><span style="font-family: Verdana, sans-serif;"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif";">A You don’t have to pay anything back until you are earning more
than £21,000 a year. The £21,000 earnings threshold will be increased</span></i></b><span style="font-family: Verdana, sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">Sounded great. Yet worries were voiced that the return on the new
system of funding might not bring enough monies back into the public purse to
be cost effective. These worries were dismissed by the Department for Business
Innovation and Skills.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">Fast forward to Chancellor Mr George Osborne’s Autumn Statement
2015. Buried in the text he had this to say regarding a Freeze to the Student
Loan Repayment Threshold:<o:p></o:p></span></div>
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<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif";">2.76 To reduce government debt, the student loan repayment
threshold for Plan 2 borrowers will be frozen until April 2021. The discount
rate applied to student loans will be revised to 0.7% above RPI, to bring it
into line with the government’s long-term cost of borrowing. Taken together,
this will reduce the government’s estimate of the long-term student loans
subsidy to around 30%</span></i></b><span style="font-family: Verdana, sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">This was unprecedented, changing the repayment terms once a
student has already signed up to the system! <o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">The government<span class="apple-converted-space"> </span></span><a href="https://www.gov.uk/government/consultations/freezing-the-student-loan-repayment-threshold"><span style="font-family: "Verdana","sans-serif";">consulted</span></a><span class="apple-converted-space"><span style="font-family: Verdana, sans-serif;"> </span></span><span style="font-family: Verdana, sans-serif;">on the “Freezing the student loan repayment threshold” and only 5%
of the respondents were "for" the proposal of “Keeping
the threshold of £21,000 the same for all post-2012 borrowers until April
2021”, yet the Chancellor still implemented the freeze.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">Martin Lewis was not happy - writing an<span class="apple-converted-space"> </span></span><a href="http://blog.moneysavingexpert.com/2016/01/15/open-letter-to-david-cameron-about-the-retrospective-student-loan-hike-2/"><span style="font-family: "Verdana","sans-serif";">open letter to the Prime Minister</span></a><span class="apple-converted-space"><span style="font-family: Verdana, sans-serif;"> </span></span><span style="font-family: Verdana, sans-serif;">and promising to fund some students to take the matter to<span class="apple-converted-space"> </span></span><a href="http://blog.moneysavingexpert.com/2015/12/14/ive-hired-lawyers-to-investigate-judicial-reviewing-govts-retrospective-student-loan-hike/?_ga=1.4140211.2080987737.1419349199"><span style="color: windowtext; font-family: Verdana, sans-serif; text-decoration-line: none;">judicial review</span></a><span style="font-family: Verdana, sans-serif;"> . Alex True, an affected student, successfully
petitioned for the matter to be debated in parliament. All, in the end, to no
avail.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<span style="font-family: Verdana, sans-serif;">Substantive
changes had historically only affected new cohorts of students, so at least the
prospective students had opportunity to make an informed choice before signing
up to the system. Given the student loans have a 30 year repayment term, the
potential for future changes to the loan T&C’s are rather worrying. <o:p></o:p></span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">What commercial
lender could get away with such practices? <o:p></o:p></span><br />
<a href="http://levitatestudent.blogspot.co.uk/2016/03/talking-heads-freshers-accommodation.html"><span style="font-family: "Verdana","sans-serif";">Video</span></a><span style="font-family: Verdana, sans-serif;"><o:p></o:p></span><br />
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<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
is paying rent just an illusion?<o:p></o:p></span></b></div>
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<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you are a student of course...... <o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbalXpUC5mHDb6KbDAKPLxaPsip37960GcYL5DaKSMJf08hDz-XqddcIelb_2lniIDl-t21DTUazKIIV-dDaCbrYkAMjh2ZmG7vRncVh5CF9VWRNllq3ua3QnTOqdBhpRa_SiFlfBSZwo/s1600/20140725_184654.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="900" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbalXpUC5mHDb6KbDAKPLxaPsip37960GcYL5DaKSMJf08hDz-XqddcIelb_2lniIDl-t21DTUazKIIV-dDaCbrYkAMjh2ZmG7vRncVh5CF9VWRNllq3ua3QnTOqdBhpRa_SiFlfBSZwo/s200/20140725_184654.jpg" width="112" /></a><span style="font-family: Verdana, sans-serif;">Most full-time Higher Education
students<span class="apple-converted-space"> </span><b>are not</b><span class="apple-converted-space"> </span>entitled to claim housing benefit.
This may seem strange when for many students their income is certainly low
enough to render them eligible. <o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;">The law gets around the problem by
defining who is regarded as<span class="apple-converted-space"> </span></span><b><span style="font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">“liable
to make payments in respect of a dwelling”</span></b><span class="apple-converted-space"><span style="font-family: Verdana, sans-serif;"> </span></span><span style="font-family: Verdana, sans-serif;">for the purposes of housing benefit entitlement – and guess what?
- Full-time students are not regarded as eligible to pay rent.....even though
of course they mostly all do. There are some exceptions, but for the vast
majority of single students without children or disability, paying rent is just
an illusion.<o:p></o:p></span></div>
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<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
doesn’t every child matter?<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you have an ambition to move on to higher
education but you don’t satisfy the residency requirements. <o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">The residency rules are complex and it’s common for
young people to get caught up in their complexities.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">There are young people who have live in the UK for
nearly all their lives, may pass through the entire UK schooling system but at
18, when they are excited at the prospect of university, are prevented from
doing so by the robust residency requirements. Often they have never had their
expectations managed that this might happen to them.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">I have supported a number of academically brilliant
young people in this situation. It is not uncommon for the young person to be
unaware of the full story of how they arrived in the UK. For example a student
who had been illegally trafficked into the UK at the age of 8, spent time in
local authority care and yet succeeded against the odds to do well at school. Ten
years on, by aged 18, their immigration status was not settled by the Home
Office. They failed to satisfy the required residency requirements that would
allow them to be funded at university. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">A welcome tweak to the relevant regulations was
eventually applied in June 2016, acknowledging this as a concerning issue, by
introducing a funding eligibility category based on long residence. While it
isn’t a catch all, it does help.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 36.0pt;">
<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial;">“Long Residence 13.—(1) A person who on the first day of
the first academic year of the course— </span></i></b><span style="font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-indent: -36.0pt;">
<!--[if !supportLists]--><b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Verdana; mso-fareast-font-family: Verdana;">(a)<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></i></b><!--[endif]--><b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">is either— <o:p></o:p></span></i></b></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm;">
<br /></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">(i) under the age of 18 and has lived
in the United Kingdom throughout the seven-year period preceding the first day
of the first academic year of the course; or <o:p></o:p></span></i></b></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<br /></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">(ii) aged 18 years old or above and,
preceding the first day of the first academic year of the course, has lived in
the United Kingdom throughout either— (aa) half their life; or (bb) a period of
twenty-years; <o:p></o:p></span></i></b></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<br /></div>
<div style="margin-left: 36.0pt;">
<b><i><span style="color: #674ea7; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">Extract from </span></i></b><i><span style="font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;"><a href="http://www.legislation.gov.uk/uksi/2016/584/contents/made">The
Education (Student Fees, Awards and Support) (Amendment) Regulations 2016</a></span></i><b><span style="font-family: "Verdana","sans-serif";"><o:p></o:p></span></b></div>
<div style="margin-left: 36.0pt;">
<i><br /></i></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
your parents are British Citizens, work for the UK government and pay tax in
UK? You can get funding right?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Wrong.......<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Imagine this scenario – you are 18, your parents are
British Citizens who work as civil servants for the British Forces in, for
example, Cyprus. They have worked all your life outside the UK supporting the
armed forces personnel overseas. They are employed by the UK government and pay
their taxes to the UK. You have always lived with them at residencies with
British Forces Post Office addresses. You apply for funding to go to university
in your parents hometown, in the UK, where your Grandma lives, you would be
eligible right?<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Unfortunately, it aint necessarily so. If the student themselves
was born outside of the UK and the number of years the family has spent outside
the UK is not deemed as a temporary absence, then funding could be refused.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Serving forces personnel and their children are exempted
from this but not so their Civil Service colleagues including teachers working
in British Forces schools. This means the children of these teachers, studying
in schools for forces personnel, could be ineligible for funding to attend a UK
university while their classmate, the child of a soldier, would be eligible. <b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
is your partner not your partner?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you are a student under the age of 25 years......<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5z4eacCCnCZKoM2QIo7fbOhdwErYAdhIhUxKxzsFtDAxC0XHsCRfVr3u9LAwqRtfINhWrJTnw786LgCfGV8a2Wn_pkb8gGglcjEfLtY33ypjHltF_x4SBSfe5pwbR-3kZWoon8BTd3W4/s1600/IMAG0522.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1205" data-original-width="1600" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5z4eacCCnCZKoM2QIo7fbOhdwErYAdhIhUxKxzsFtDAxC0XHsCRfVr3u9LAwqRtfINhWrJTnw786LgCfGV8a2Wn_pkb8gGglcjEfLtY33ypjHltF_x4SBSfe5pwbR-3kZWoon8BTd3W4/s200/IMAG0522.jpg" width="200" /></a><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Imagine you are 20 years old and you have been living
with your partner since you were both 16 years old. When you apply for welfare
benefits you are regarded as a couple. </span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you become a full-time student the
DWP and the benefit agencies take into account some of your student income
which impacts the means-tested benefit you and your partner are entitled to.
Fair enough.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">You apply to Student Finance England for the </span><a href="https://www.gov.uk/adult-dependants-grant/overview"><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Adult
Dependent Grant</span></a><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"> but are told for the purpose of this grant
that as you are under 25 years of age, your partner is not your partner. Even
though they are your partner when it comes to Job Seekers Allowance or
Universal Credit entitlement. Even though they would be considered your partner
by Student Finance England if you were over 25.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">As a couple you will lose out on Adult Dependant Grant
income simply by virtue of your age. The non-student partner will lose access
to means-tested welfare benefit income for themselves. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When
is your financially dependent partner not “an adult who financially depends
upon” you?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">When they are also a student who is also awarded
statutory student finance.</span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;">Which may seem fair enough until you consider a
scenario like this.</span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Imagine you are a full-time higher education student
aged over 25 years. Prior to starting your course you and your wife claimed Job
Seekers allowance as a couple. When you start your course you are entitled to
student loan for your fees and living costs, and adult dependent’s grant as
your wife has now lost access to Job Seekers allowance - due to your student
income. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Your wife decides to take a further education course to
improve her chances of finding work. She accesses the </span><a href="https://www.gov.uk/advanced-learner-loan/overview"><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Advance
Learner Loan</span></a><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"> to help pay for her tuition fees. She
isn’t entitled to any living cost help. Imagine your surprise then when Student
Finance England advise that you are no longer entitled to the Adult Dependants
Grant, which is stopped. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">If your wife were only to stay at home watching TV then
the grant would be safe. </span><span style="font-family: Verdana, sans-serif; font-size: 12pt;">The wife has lost all income into the household for
herself because she and her hubby are trying to improve their education. </span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"> </span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><b><br /></b></span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><b>Caring for someone over 35 hrs/week - eligible for Carers Allowance?</b></span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><b><br /></b></span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;">You guessed it? Not if you are a full-time student.</span></div>
<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoQYbdCnuL5NLl6tf9E04tD9n7eI2SvEPe_pdiWtVNdH3Fy54PXHrqPr6AXwPGDNxoeXesWKEsOr-oSZi5wnqp7bR600X8Fu2udqzrzZMl3KNAcuBC01OiTfTXEFj3K9-kEUS2vQzI-n0/s1600/DSC00337.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoQYbdCnuL5NLl6tf9E04tD9n7eI2SvEPe_pdiWtVNdH3Fy54PXHrqPr6AXwPGDNxoeXesWKEsOr-oSZi5wnqp7bR600X8Fu2udqzrzZMl3KNAcuBC01OiTfTXEFj3K9-kEUS2vQzI-n0/s200/DSC00337.JPG" width="150" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">The problem with all these exceptions is that there is
little to no information about them on </span><a href="http://www.gov.uk/"><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">www.gov.uk</span></a><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">
or the student finance web pages. It may surprise some that the government can
change the student loan lending rules even after the loan is taken out.
Students are unlikely to be aware of the devil in the detail of the relevant
statutory instruments. So unless students access specialist money advice before
they start their course, the news that they are the “exception that proves the
rule” comes as an unwelcome, unexpected surprise. <o:p></o:p></span></div>
<div class="MsoNormal">
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<div class="MsoNormal">
<br /></div>
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com1United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-994319364701294172017-07-31T17:34:00.002+00:002020-09-27T23:11:47.236+00:00Levitate Student: SFE & DWP, left hand doesn't know what right hand's doing....<span style="font-family: "verdana" , sans-serif;">In academic year 2016/17 Maintenance Grants to help with living costs were removed from the package of funding support available to new full-time HE students in England.</span><br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPLdFXkcDNps-_uBh0-h8Ylp160IOFDIbfOikG-xZW_XTkQ__M4qDtKKF6iwZ7pn4QvmCm-qwh0H196szQqJH5eY9tfN-aMRvt7Td5UPh64Kdvjrnq5wBlLevm7EtNhmPy8tPbmKNS9hU/s1600/20170731_181658.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" border="0" data-original-height="1600" data-original-width="1131" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPLdFXkcDNps-_uBh0-h8Ylp160IOFDIbfOikG-xZW_XTkQ__M4qDtKKF6iwZ7pn4QvmCm-qwh0H196szQqJH5eY9tfN-aMRvt7Td5UPh64Kdvjrnq5wBlLevm7EtNhmPy8tPbmKNS9hU/s200/20170731_181658.jpg" title="Left hand with face" width="141" /></a></div>
<span style="font-family: "verdana" , sans-serif;">There were two distinct versions of the grant for living costs which were assessed in the same way and were paid at the same level, these were </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">the <span style="color: #38761d;"><b>Maintenance Grant </b></span></span><br />
<span style="font-family: "verdana" , sans-serif;">the <span style="color: #38761d;"><b>Special Support Grant</b></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">In 2015/16 a students household income had to be £42,620 to be eligible for a payment of the minimum grant of £50 with the maximum grant of £3,387 being paid to students where the household income was assessed as £25,000 or below.</span><br />
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>So why two grants for maintenance.......?</b></span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">The <span style="color: #38761d;"><b>Maintenance Grant</b></span> would count as income in the calculation of any means-tested Welfare Benefits. As the vast majority of full-time undergraduates are not eligible for Welfare Benefits whilst they study this was not really an issue.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;"><b><span style="color: #38761d;">Special Support Grant</span></b> would not count as income against means-tested Welfare Benefits. So it was paid instead of<span style="color: #38761d;"><b> Maintenance Grant</b></span> to those students (such as lone parents, student couples with children, disabled students) who could evidence an underlying entitlement to certain means-tested Welfare Benefits. </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">The student Maintenance Loan does count as income (albeit with some disregards) against means-tested Welfare Benefits.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">In 2016/17 the <b><span style="color: #38761d;">Maintenance Grant and Special Support Grant</span></b> were removed from the funding package and replaced by Maintenance Loan only. For those new students with an underlying or actual entitlement to means-tested Welfare Benefits their award comprised a Loan for living costs with a <b><span style="color: #38761d;">Maintenance element and a Special Support element</span></b>. </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">For students from the lowest income households this meant a maximum Maintenance Loan of £8,935 with a <b><span style="color: #38761d;">Maintenance element</span></b> of £5,466 and a <span style="color: #38761d;"><b>Special Support element</b></span> of £3,469.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">The idea being that the <span style="color: #38761d;"><b>Special Support
elemen</b></span>t would be disregarded as income by the Department for Work and Pensions and other benefit agencies when calculating means-tested Welfare Benefits. </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>This all makes sense except when it comes to practice......</b></span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjp02ypSR8aRsFWN-VfO9lFyprRQ3dmTC13pKA57l4oW1HDpKsuTBlY_sypIdw5QyFVFwJvRPi0yPFxmaoPjNR_FAeE72fy8mE0Ldul30ozzPdroDLn4MhDMFWg5ikQbWWPxy3v05eEs0Y/s1600/20170731_182802.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="" border="0" data-original-height="1600" data-original-width="900" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjp02ypSR8aRsFWN-VfO9lFyprRQ3dmTC13pKA57l4oW1HDpKsuTBlY_sypIdw5QyFVFwJvRPi0yPFxmaoPjNR_FAeE72fy8mE0Ldul30ozzPdroDLn4MhDMFWg5ikQbWWPxy3v05eEs0Y/s320/20170731_182802.jpg" title="Right hand labelled" width="179" /></a><span style="font-family: "verdana" , sans-serif;">Some students it seems, such as lone parents and disabled students, are facing problems when applying to local authorities and other benefit agencies for means-tested benefits such as Housing Benefit to which they are entitled.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">These agencies do not seem to have been updated adequately about the student income changes or with <span style="background-color: white; font-size: 12pt;"><span style="color: #26282a;">guidance on how to apply the disregarded </span><b><span style="color: #38761d;">Special Support element</span></b><span style="color: #26282a;"> of the Maintenance Loan.</span></span></span><br />
<span style="background-color: white; color: #26282a; font-size: 12pt;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white;"><span style="color: #26282a;"><span style="font-size: 12pt;">In </span>addition<span style="font-size: 12pt;"> </span></span></span><span style="background-color: white; font-size: 12pt;"><span style="color: #26282a;">Student Finance England Student Support Notification Letters do not break down the Maintenance Loan into individual elements, making it tricky for the benefit agencies to establish how much of the Maintenance Loan award is the </span><b><span style="color: #38761d;">Special Support element.</span></b><span style="color: #26282a;"> </span></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #26282a; font-size: 12pt;"><br /></span></span>
<span style="color: #26282a; font-family: "verdana" , sans-serif;"><span style="background-color: white;">It seems unacceptable that the most vulnerable students, who rely on Welfare Benefits to cover their basic living costs should be impacted so adversely. These challenges do nothing to help student retention problems or to widen participation from under represented groups. No doubt university advisers and hardship funds have felt the pressure to support their students through this academic year when they have been left with reduced income and rent shortfalls due to these problems.</span></span><br />
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<span style="color: red; font-family: "verdana" , sans-serif;"><span style="background-color: white;"><b>Why was communication about the impact of these changes so poor? Why is it taking so long to remedy?</b></span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #26282a; font-size: 12pt;"><br /></span></span>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com15United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-24440057199713822632017-07-30T20:37:00.001+00:002020-09-27T23:10:21.429+00:00Levitate Student: Tuition Fee Debate - No Fee Fuss<span style="font-family: "verdana" , sans-serif;">If nothing were to change with the current Higher Education Funding system apart from it being Tuition Fee free what might change in your student loan repayment?</span><br />
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<span style="font-family: "verdana" , sans-serif;">Use the <a href="http://www.moneysavingexpert.com/students/student-finance-calculator" target="_blank">Money Saving Expert Student Finance Calculator</a> - read all the information about built in assumptions.</span><br />
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<span style="font-family: "verdana" , sans-serif;">Pick a realistic salary above the £21K repayment threshold </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">Play with the amounts including and annual tuition fee loan and leaving it out while keeping the living cost loan in place</span><br />
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<span style="color: #351c75; font-family: "verdana" , sans-serif;"><span style="background-color: white;"><b>For example we used </b></span></span><br />
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><span style="background-color: white;"><b><br /></b></span></span>
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>£22,000 starting graduate salary </b></span><br />
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>a 3 year course</b></span><br />
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>an annual Maintenance Loan of £8,000</b></span><br />
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>£9,250 annual tuition fee</b></span><br />
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: #351c75; font-family: "verdana" , sans-serif;"><b>which using the default built in assumptions gave a repayment of</b></span><br />
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: #38761d; font-family: "verdana" , sans-serif;"><b>£22,560 over the 30 years of continuous employment. </b></span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">Taking the fee loan out of the calculation made no difference, nor did it when we increased the starting salary to £25,000. </span><br />
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<span style="font-family: "verdana" , sans-serif;">While calculators can only give an indication of repayment, they do help to give a better understanding of the long term repayment against the borrowing. </span><br />
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<span style="color: red; font-family: "verdana" , sans-serif;"><br /></span>
<span style="color: red; font-family: "verdana" , sans-serif;">Play with the figures yourself and remember that no tuition fee does not necessarily mean less repayment back to the public purse if the system of living cost loans remains unchanged.</span><br />
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<span style="color: red; font-family: "verdana" , sans-serif;">If the system remains the same then the main beneficiaries of no tuition fees would be those who don't require a living cost loan (arguably the better off). </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSEQz6mjv6EGifO1sYltABOKE31Bh_zlXIgO7UK1MJWbmcCAWyqet4ncH2Fs9HWnUSm2AKIALf8HiXmE5W7EfY8K10i71PRS_kH5ST7hhr-b8yLbvXE81eShtzWmC09aFtGNnW8YX9hrg/s1600/SAM_0017.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSEQz6mjv6EGifO1sYltABOKE31Bh_zlXIgO7UK1MJWbmcCAWyqet4ncH2Fs9HWnUSm2AKIALf8HiXmE5W7EfY8K10i71PRS_kH5ST7hhr-b8yLbvXE81eShtzWmC09aFtGNnW8YX9hrg/s320/SAM_0017.JPG" width="320" /></a></div>
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<br />Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com17United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-3467066885301283382017-07-30T19:48:00.002+00:002020-09-27T23:07:31.574+00:00Levitate Student: How have HE courses been Funded - Tuition Fee Funding Funnel <div dir="ltr" style="text-align: left;" trbidi="on">
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Follow the link to our <a href="http://prezi.com/g1dh3qfncbow/?utm_campaign=share&utm_medium=copy" target="_blank">England Tuition Fee Funnel presentation</a> for a simplified explanation of the changes over time and the source of Higher Education Undergraduate Tuition Fee Funding in England.<br />
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com16United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-78707585864524400982017-06-22T20:53:00.000+00:002017-06-22T20:53:20.938+00:00Loose Change - UK Money Blogger Guest Post<span style="font-family: Verdana, sans-serif;">Here is a <a href="https://ukmoneybloggers.com/student-benefit-rules/" target="_blank"><span style="color: #351c75;"><b>LINK</b></span></a> to part 2 of our UK Money Bloggers Loose Change rant on some of the quirks of student money rules.....</span><br />
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<span style="color: #6aa84f; font-family: Verdana, sans-serif;"><b>Benefit rules this time...... Grr!!</b></span><br />
<br />Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com14tag:blogger.com,1999:blog-7825963417034306959.post-27317821916980587992017-06-03T08:00:00.001+00:002020-09-27T23:06:19.343+00:00Levitate Student: Be wise - Income MAXIMISE<span style="font-family: "verdana" , sans-serif;">Did you read our <a href="http://www.levitatestudent.com/2017/01/bankrupt-of-mum-and-dad.html"><span style="color: #6aa84f;"><b><span id="goog_691566658"></span>Bankrupt of Mum and Dad article?</b></span><span id="goog_691566659"></span></a> Still makes our eyes water....!!</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">But what if you don't have a financial contribution to your budget from the bank of mum, dad, partner or other family/friends while you are in higher education?</span><br />
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<span style="font-family: "verdana" , sans-serif;">What might your budget look like?</span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmjY_KuuCtANdn_lcwPhVK_ZQNYpIvETB8Qmg3p-d6t_hlOVkuuyVREKl8EX3mb0VIwc66iSpG42d3siREN7lCgOH4lcVWco8S_ETTwI7X5fCDvMXuaea0Mvi97GYK43rFjkgZlnF00KA/s1600/SAM_0017.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="Tenner on notice board" border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmjY_KuuCtANdn_lcwPhVK_ZQNYpIvETB8Qmg3p-d6t_hlOVkuuyVREKl8EX3mb0VIwc66iSpG42d3siREN7lCgOH4lcVWco8S_ETTwI7X5fCDvMXuaea0Mvi97GYK43rFjkgZlnF00KA/s320/SAM_0017.JPG" title="Tenner on notice board" width="320" /></a><span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">There are lots of example budgets out there and "what the average student spends" guides - Google away! There are lots of examples.</span><br />
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<span style="font-family: "verdana" , sans-serif;">So we are not going to regurgitate that information in our own version - not least because there is no such thing as an average student. Each student is an individual, with there own backgrounds, values, drivers and pressures.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">The example budgets do serve as excellent guides, though they do tend to be based on the circumstances of traditional, single, school or college leaving students. This covers a large proportion of students but by no means all situations of the diverse students in higher education</span><br />
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<span style="font-family: "verdana" , sans-serif;">No matter your circumstance you are likely to have to supplement any statutory student income to some extent.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;"><b><span style="color: red; font-size: large;">MAXIMISE</span></b> <span style="color: #6aa84f;"><b>your income by</b></span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><b><span style="color: red; font-size: large;">M</span></b><span style="color: #674ea7;">aking sure you are receiving all the <b>student finance</b> you are entitled to </span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: red; font-size: large;"><b>A</b></span><span style="color: #674ea7;">sking if you are entitled to any welfare benefits - this is more likely if you are a lone parent, a student couple with children, a disabled student or a part-time student.</span> See <a href="http://www.levitatestudent.com/p/who-benefits.html" target="_blank"><b>Any Benefit?</b></a></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #674ea7;">e</span><span style="color: red; font-size: large;"><b>X</b></span><span style="color: #674ea7;">ploring if you could be entitled to a bursary or other financial help from your university or college</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: red; font-size: large;"><b>I</b></span><span style="color: #674ea7;">nterest free borrowing via an overdraft offered with a <a href="http://www.moneysavingexpert.com/students/Student-bank-account" target="_blank"><b>student bank account</b></a></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;"><span style="color: red; font-size: large;"><b>M</b></span><span style="color: #674ea7;">aking an application to the university/college <b>Hardship Fund</b> </span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><b><span style="color: red; font-size: large;">I</span></b><span style="color: #674ea7;">dentifying all your income and expenditure - understand and <b>manage your budge</b></span>t </span><br />
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<span style="font-family: "verdana" , sans-serif;"><b><span style="color: red; font-size: large;">S</span></b><span style="color: #674ea7;">earching for help from a <b>charity or trust fund</b> e.g. <a href="http://www.familyaction.org.uk/">www.familyaction.org.uk</a> <a href="http://www.turn2us.org.uk/">www.turn2us.org.uk</a> </span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><b><span style="color: red; font-size: large;">E</span></b><span style="color: #674ea7;">mployment, work part-time alongside your studies</span> <span style="color: #674ea7;">- check you uni for <b>Jobshop/Careers</b></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRrHqqe1eXZqHlIxMejchXOgJZMzjYIpbvWxafshpY7DcbwamYG1Egp5U_dO0Va2v64dYVG27uVshyxSfLyJTjdiGgveebvnYIKmH0CJbwYB-5jMWQLxCdZMOOnWmAY682E54ckZsqQ7c/s1600/B2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Money Bee" border="0" data-original-height="833" data-original-width="772" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRrHqqe1eXZqHlIxMejchXOgJZMzjYIpbvWxafshpY7DcbwamYG1Egp5U_dO0Va2v64dYVG27uVshyxSfLyJTjdiGgveebvnYIKmH0CJbwYB-5jMWQLxCdZMOOnWmAY682E54ckZsqQ7c/s200/B2.png" title="Money Bee" width="185" /></a></div>
<span style="color: #674ea7; font-family: "verdana" , sans-serif;"><b> Be wise - MAXIMISE - seek advice if you are struggling </b></span><br />
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Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.4359729999999912.203021 -86.05316049999999 90 79.18121450000001tag:blogger.com,1999:blog-7825963417034306959.post-29019401865392940142017-03-16T10:57:00.001+00:002020-09-27T23:05:15.919+00:00Guest Post - Loose Change UK Money Bloggers<span style="font-family: Verdana, sans-serif;">Thanks you <b><span style="color: #6aa84f;">UK Money Bloggers</span></b> for the invitation to write a post for your</span><br />
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<b><span style="color: #351c75; font-family: Verdana, sans-serif; font-size: large;"><a href="http://ukmoneybloggers.com/" style="background-color: white;" target="_blank">Loose Change blog</a></span></b><br />
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<span style="font-family: Verdana, sans-serif;">I focused on a few of the most annoying exceptions to the finance and benefit rules that students often face . It turned into quite a rant so the editor and wonderful founder of <a href="https://debtcamel.co.uk/"><b>Debt Camel</b></a> allowed it to be a rant of two halves. So here is a link to Part 1 </span><br />
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<b><span style="color: #351c75; font-family: Verdana, sans-serif; font-size: large;"><a href="http://ukmoneybloggers.com/students-often-exceptions-loans/" style="background-color: white;">Students - too often the exception that proves the rule</a></span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEIlgPgTL_NL_Do4_WdFH-zn0z2SOocBiIetdPH7qqrZrqRpcjMR6QkfW1gUyvM82zs8dMHUiUHNmgvKEUORIkXdrUPRhDeV2RnpaoZNBwljk-IBg6mCxpixqBeN8daH5WDydOFlffbgM/s1600/Wordcloud.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEIlgPgTL_NL_Do4_WdFH-zn0z2SOocBiIetdPH7qqrZrqRpcjMR6QkfW1gUyvM82zs8dMHUiUHNmgvKEUORIkXdrUPRhDeV2RnpaoZNBwljk-IBg6mCxpixqBeN8daH5WDydOFlffbgM/s320/Wordcloud.png" width="320" /></a></div>
<b><br /></b>Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com10United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277tag:blogger.com,1999:blog-7825963417034306959.post-53592967727386366472017-03-03T19:36:00.001+00:002020-09-27T23:04:02.024+00:00Levitate Student: Our Services & Limited Special Offer<div align="center" style="margin-bottom: .0001pt; margin: 0cm; text-align: center;">
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<span style="font-family: "verdana" , sans-serif;">Levitate Student </span><b><span style="color: #6aa84f; font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">MONEY</span></b><span style="font-family: "verdana" , sans-serif;"> offers independent, impartial,
information and guidance for students studying in Higher Education in the UK </span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Our aim is to guide and help students
understand their money options and to make their own informed choices.</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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We want students to be<span class="apple-converted-space"> </span></span><b><span style="color: #6aa84f; font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">empowered consumers</span></b><span class="apple-converted-space"><span style="font-family: "verdana" , sans-serif;"> </span></span><span style="font-family: "verdana" , sans-serif;">and to understand their money </span><b><span style="color: #3d85c6; font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">RIGHTS</span></b><span style="font-family: "verdana" , sans-serif;">, </span><b><span style="background: white; color: #3d85c6; font-family: "verdana" , "sans-serif";">RESPONSIBILITIES</span></b><span style="font-family: "verdana" , sans-serif;"> and know who to </span><b><span style="background: white; color: #3d85c6; font-family: "verdana" , "sans-serif";">REFER</span></b><span style="font-family: "verdana" , sans-serif;"> to if they are not sure. <o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">These are our</span></div>
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</span><span style="font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">Our<b><span style="color: #3d85c6;"> INDEPENDENCE</span></b></span><span class="apple-converted-space"><span style="font-family: "verdana" , sans-serif;"> </span></span><span style="font-family: "verdana" , sans-serif;">is important to us because sadly sometimes students need help with
money problems involving their University, the Welfare Benefit or Student Finance
agencies.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">We are not part of the government,
Student Finance agencies, or directly linked to any Universities or Colleges.
We have over 12 years experience in delivering expert student money guidance.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Knowing where to look for the right
answers is sometimes not as easy as it sounds. So we are here to help with some
useful.....</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 13.5pt;"> </span><span style="font-family: "verdana" , sans-serif; font-size: 24pt;"> </span><b><span style="font-family: "verdana" , "sans-serif";">Our Services</span></b></div>
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<b><span style="font-family: "verdana" , "sans-serif";">Presentations &
Talks<o:p></o:p></span></b></div>
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<span style="font-family: "verdana" , sans-serif;">For Staff, students at organisations
who work with prospective HE students</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Student funding entitlement guidance</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Student funding application guidance</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Repaying the student loans</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">What to do if refused funding or how to
appeal a decision</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Tips for considering budgeting,
accommodation options, bank accounts, jobs</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<b><span style="font-family: "verdana" , sans-serif;">Financial Capability workshops</span></b><span style="font-family: "verdana" , sans-serif;"> </span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">For students, students & parents,
including activities, games & talks</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Funding entitlement<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Budgeting and Money Management</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Common money issues faced by students</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Know where to look for help</span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<b><span style="background: white; font-family: "verdana" , sans-serif;">One to Ones</span></b><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">Student Money guidance for parents/students
based on individual need. </span><span style="font-family: "verdana" , sans-serif;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif;">If complex then follow up work to
assist with next steps. <o:p></o:p></span></div>
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<b><span style="color: red; font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">Limited Offer for 2017– </span></b><b><span style="font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">Student & Parent Money Workshop </span></b><span style="font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">delivered
for just <b><span style="color: red;">£500</span></b> plus trainer travel expenses.<o:p></o:p></span></div>
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<b><span style="color: #351c75; font-family: "verdana" , "sans-serif"; mso-bidi-font-family: Arial;">Send your enquiries to us at levitatestudent@gmail.com</span></b><b><span style="font-family: "verdana" , "sans-serif";"><o:p></o:p></span></b></div>
Levitate Studenthttp://www.blogger.com/profile/06984692228402829154noreply@blogger.com0United Kingdom55.378051 -3.43597327.067817163821154 -38.592223 83.688284836178838 31.720277