Student finance, changing address for higher grant illegal?

I get around

I get around

I get around

Soldato
Joined
14 Jan 2009
Posts
4,325
Some of you might think it immoral and call me a money snatcher but i think it's a bit (well very) stupid that i've got freinds getting massive loans and grants next year when their parents have more expendable income than mine do.
And as it is such a misguided and unfair system, I see it as my right to work it to my advantage.

So I was thinking, is it possible for me to register myself at a different address so that my household income is lowered when I apply for student finance?
Is it fraud, even if i then start living at that address til uni (grandparents won't mind).
Or would I have to live there for an amount of time?

Anyone know if this is legit and how I would go about doing it?
 
They ask for household income, if I declare the income of the house I'll be living in, I fail to see how thats fraud though?
It's not like they're asking for parental income.

Student finance england, 18 and I live with them currently but if it could stand up I'd be willing to move out to my grandparents house.
I'm changing address to restore karma in the universe, everyone should get the same loan, why should poor kids not have to work at uni and the rest of us do? Or do they seriously expect peoples parents to find thousands of pounds they were just burning for fun every year?
 
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It is irrelevant where you live then, as your parents income will always be taken into account, even if you say you have moved.

The only difference you would see, would be an increase in your maintenance loan, as you will no longer be living in the parental home, and you will be classified as living elsewhere.

However, the increase will be a non-means tested one, and your means tested entitlement as I say above will still be based on your parental income.

The system doesn't work as you describe in your post.
 
Please, the income assessed part is really really small. They reduce the loan money you get when they give you income assessed grant.

And if you really aren't elegible for it at all, then your parents DO have more than enough to pay your way through.
 
Strife212 said:
Please, the income assessed part is really really small. They reduce the loan money you get when they give you income assessed grant.

And if you really aren't elegible for it at all, then your parents DO have more than enough to pay your way through.
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True, the maintenance grant reduces your maintenance loan entitlement, however you will generally receive more in the short term than a student without a grant entitlement, and end up paying less back in the long term as a result.
 
csmager said:
Exactly.

It might say 'household income', but the question will specifically ask what your *parents* earn. You can see for yourself on the online calculator:

http://www.studentfinance.direct.gov.uk/calculator/studentfinancecalculator/0910/
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Yup :)

The only way for you to be means tested on your own unearned income and/or partners income if applicable is for you to be either married, estranged from your parents, parents deceased or be a single parent.

So really no point to your plan of lying about your address, as it won't get you anywhere.

Edit: If you're really finding it difficult financially, talk to your University about the Access to Learning Fund and/or Hardship Loan(s).
 
I get around said:
They ask for household income, if I declare the income of the house I'll be living in, I fail to see how thats fraud though?
It's not like they're asking for parental income.

Student finance england, 18 and I live with them currently but if it could stand up I'd be willing to move out to my grandparents house.
I'm changing address to restore karma in the universe, everyone should get the same loan, why should poor kids not have to work at uni and the rest of us do? Or do they seriously expect peoples parents to find thousands of pounds they were just burning for fun every year?
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If thats a gripe at poor kids getting more money don't go there ... poor kids get more for a reason, their family have little money and in some cases can't even keep a roof over their head so why isnt it fair that if your family is less fortunate you should get more money?
 
When i applied for my loan i did it non-means tested.
Our household income isnt much, and as i support myself my 'rents income wouldnt really benefit me anyway but there was only a difference of that id get a small amount of support loan which then gets knocked off the main loan.

I didnt see the point.....

Get a job maybe?
 
To be honest, I wouldn't mess around with it, if caught (which you are posting this in a public forum... Not smart) you could easily say goodbye to your uni education and owe a lot of money... Possibly do time.

Not worth the risk just cos your mates are getting a few bob more, do the better thing, get a part time job, earn real cash and build up some references, which in the long run, are worth much more than a few extra quid at the start of your career.

ags
 
Won't work, you won't get classed as independent. I've been away for 5 years, surviving on my own etc and they still wouldn't understand that I don't get a penny from my parents. I'm afraid you're out of luck.
 
My parents income is really poor compared to a lot of other families, I had to work an average of 30 hours a week and help support them whilst at uni full time

Get a job.
 
person said:
If thats a gripe at poor kids getting more money don't go there ... poor kids get more for a reason, their family have little money and in some cases can't even keep a roof over their head so why isnt it fair that if your family is less fortunate you should get more money?
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Why should the kids with parents doing ok be forced to work at uni though?

This money is supposed to be for accomodation and living costs as far as i'm aware, not to send back to your family and keep a roof over their head because they've lost their jobs.
I've been working and paying tax since I got my first part time job, but all the guys I know who're on EMA and getting family allowance because their parents are single have never done a days work in their life. They've still got cars and are always out on the lash.
It makes no sense, my parents couldn't afford that £30 a week, I don't see how the SLC thinks people will be able to?

It's all well and fine saying get a job, and i'll have to if I don't get a loan which would cover accomodation and the basic cost of living. I'm just annoyed at how stupid and unfair that system is.

£46k household income is not a lot when you've got a mortgage, 2 unreliable cars and a shed load of bills. My parents are always skint, half the time my mums asking to borrow money off me to buy my sister some shopping. All the time the government has their fingers in their ears and assumes everyone lives in a council house has no bills so has thousands of pounds laying about.
 
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46k is a lot. Many people live on a lot less. You're a very lucky young person to be brought up in such a comfortable setting.
 
I get around said:
It's all well and fine saying get a job, and i'll have to if I don't get a loan which would cover accomodation and the basic cost of living. I'm just annoyed at how stupid and unfair that system is.
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That's how money works. If you want something, you have to earn the money to pay for it, not rely on handouts or loans.

Christ, you don't even know the meaning of skint. I had to work when I was 14 stocking shelves in Texas Homebase just to cover the rent and put food on the table. We had to share baths, wear hand-me-downs etc. Kids wouldn't dream of that these days.
 
My parents bought up 4 kids, have two decent cars and no more than the usual bills, and earn less than 2/3rds that. Your parents are failing.

Tell your parents you can't afford to go, I'm sure they can put some money your way when earning that much.
 
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