Living at home whilst at uni

flibbage0 said:
I was thinking maybe I could live at halls for the 1st year and then live at home for the remaining 2/3
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I would say that is a good compromise. Though flat sharing with a group of people in the next two years is also a good learning experience and also potentially a lot of fun. Maybe stay at home for just your final year to help you study for the finals?

I made a lot of friends in halls, people I am still good friends with 10yrs later. Personally I made friends with more people via my halls than on my course. There is no strict rule though - it depends what your halls are like, what you course is like (sciences are better for socialising because you are in class more), and of course you can meet people via other means -e.g one of my mates seemed to meet most of his friends via tae kwon do (sp?).

Which uni are you going to and where do you live?
 
jake9891 said:
I lived at home for the first year and then moved out to live in a shared house, it really depends how far you live and stuff and if you are willing to travel. However, all I missed on the first year is all the freshers parties and going out to clubs and stuff, as I simply had to get back home to get ready for next day at uni. I still made a good friends that I could have a laugh with and stuff, so really I think its a personal preference.

You could also move in to a uni's library since some of them are open 24h/7 lol
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When I was doing my phd there was a Japanese exchange student who slept in the labs!
 
Why do people get so hung up on the debt side of it? You only pay back 9% of what you earn over 15,000 or 21,000 if your on the new 9k a year fees. If your earning less than these you pay nothing!

I'm about 24k in debt from uni but even if I was earning £25,000 a year I would only be paying back £900 in loan fees. Its hardly a crippling payment worth worrying about. If you think 20-40k at student loan rates is bad how will you cope with a £150,000+ mortgage at 5%+?
 
BinnsY said:
Why do people get so hung up on the debt side of it? You only pay back 9% of what you earn over 15,000 or 21,000 if your on the new 9k a year fees. If your earning less than these you pay nothing!

I'm about 24k in debt from uni but even if I was earning £25,000 a year I would only be paying back £900 in loan fees. Its hardly a crippling payment worth worrying about. If you think 20-40k at student loan rates is bad how will you cope with a £150,000+ mortgage at 5%+?
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People don't think rationally, they just assume debt=bad.
 
My student loan was considered when applying for a mortgage, infact a colleague at work had to repay the student loan before he would have been accepted for his mortgage. The rate may be low but you are still taking on a debt totalling a decent amount of money.

With that said, I lived at home and found that I missed out on a lot. It's difficult to be involved and be spontaneous when you live 30 minutes drive away. Glad I went to uni though and I saved a substantial amount while my standard of living remained relatively high without needing to scrimp and save.
 
My brother lived in halls for first year then shared a flat for the rest. Said most people did the same. Halls for first year as its an easy going year then either home or share a flat for the remainder so you get the best of both.
 
I lived away from home, a bus ride away from my parents house.

I'm still in regular contact with all my old friends, and get to experience the benefits of independence whilst getting a sunday roast every week.


The only argument I can see to staying at home is that you can save a hell of a lot of money, for me the experience is more than worth it.
 
Another thing about living at home is you usually have a bigger house and get to keep all your mod cons.
I will most likely live at home for the 2nd,3rd, 4th years and commute by train.
 
Dr. Pain said:
You will miss out on the genuine experience.

The whole point of Uni is to get as far away from home and your parents as possible and have a good time!.
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And they say it isn't fair that Uni is costing more! :confused:

Surely it's to gain an education? Friends etc is secondary..... or did I miss the point?
 
I lived at uni the first year then at home the next 3. Commuting in via bus/train/tram (took between 1-2 hours depending on the times).

I really didn't care tbh. I'm not that sociable and after a while I began to wonder if I was going out at nights to fit in or because I actually wanted to. Answer was the former, it really wasn't that enjoyable. One of my mates who went to the same uni as me lived in halls for a few weeks but decided he hated it and moved home and he never had any problems either.
 
ahh **** I've already accepted a place in clearing (because the uni said I had to by midnight) otherwise it would be withdrawn

And now I've been accepted on a different course I really want to do. :mad:
 
At least give it a try imo...

I was going to live at home because I wasn't particularly sociable. Changed my mind in the last month leading up to starting and never looked back. Had the greatest three years of my life and also learned how to cook = D As well as budgeting...
 
Adam said:
My student loan was considered when applying for a mortgage, infact a colleague at work had to repay the student loan before he would have been accepted for his mortgage. The rate may be low but you are still taking on a debt totalling a decent amount of money.

With that said, I lived at home and found that I missed out on a lot. It's difficult to be involved and be spontaneous when you live 30 minutes drive away. Glad I went to uni though and I saved a substantial amount while my standard of living remained relatively high without needing to scrimp and save.
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Judging from your date of birth I'm going to assume you went to uni before the intruduction of top up fees?

I think you will find that with the way student loans now work they have no real impact on your ability to get a loan or mortgage. Essentially because you have a guarentee that if your income falls below 15 / 21k (depending on when you went to uni) you wont have to pay off anything in your loan.

Theres really no need to get hung up on the current student loan system. It is by far the best loan you will ever get in your life. Take it for all its worth.
 
Morgoth said:
I lived at home. It was fine.
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I lived in uni halls and I'm convinced I had some of the best times I will ever have.

For most people living away for uni is a 1 time thing and until you try it you'll feel like you missed out. Those who lived at home I don't think realised how much stuff happens that they miss out on.

I made the exact same thread last year and decided to live away from home, and I don't regret it. Though it does cost a lot of money to do so.

http://forums.overclockers.co.uk/showthread.php?t=18134738
 
If you're living at home/not at uni you'll miss out on a lot, it's impossible not to! Unless you 100% can't live at uni for a very good reason then you really do need to get into halls.
 
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