Student loan for EEA family member

[siralexius]

Hello everyone, I am married with EU citizen and we moved England.I am applied RC for 5 years and December-January hope so I'll take Resident card.I want to study and how can start to process. I'want to study after take RC.

First what it means 'Student loan' ?

I hope ı can get some answers..

[CR001]

When did you move to the UK?

There are residency requirements to qualify for student finance.

https://www.gov.uk/student-finance/who-qualifies

[Casa]

Hello everyone, I am married with EU citizen and we moved England.I am applied RC for 5 years and December-January hope so I'll take Resident card.I want to study and how can start to process. I'want to study after take RC.

First what it means 'Student loan' ?

I hope ı can get some answers..

https://www.gov.uk/student-finance/who-qualifies

Your nationality or residency status
You can apply if all of the following apply:
you’re a UK national or have ‘settled status’ (no restrictions on how long you can stay)
you normally live in England
you’ve been living in the UK for 3 years before starting your course
Non-UK nationals must have settled status on the first day of the first academic year of the course - which could be 1 September, 1 January, 1 April or 1 July.

Settled status = PR or ILR

Edit: Beaten by CR001

[noajthan]

Take a look here too:
http://www.ukcisa.org.uk/

And talk to the international student advisors at the universities as well.

[siralexius]

since march2016 we are in UK, but ı dont understand that why there is rule for 3 years stayed before your course, 3 years about 1 more diploma. and when ı take my RC 5 years its not enough for prove?

let's say if ı can't take Ioan, what can ı do ? another option ?

[noajthan]

since march2016 we are in UK, but ı dont understand that why there is rule for 3 years stayed before your course, 3 years about 1 more diploma. and when ı take my RC 5 years its not enough for prove?

let's say if ı can't take Ioan, what can ı do ? another option ?

Because the rules for access to the limited national resources of UK student finance are the rules.
This money doesn't just grow on trees, it's taxpayers money.

The RC (if/when its granted) will simply confirm your status as the dependent of a Union citizen with permission to reside, work and study in UK.
It doesn't give you automatic access to unlimited funding

For finance, to cover fees and living/study costs, there are various options:

• your own resources, family support;
  Or student finance, bursaries, scholarships etc;
  Or get a loan, get a job (for example, I've lived here and paid taxes all my life - I still kept a parttime job and studied, at age 30+, with wife and mortgage to support);

Have you had a look at the UKCISA site yet?
Have you lived in some other EU country (for some time) before coming to UK?

See if one of these categories applies to you:
http://www.ukcisa.org.uk/Archive/Govern ... s-entitled

[CR001]

Even as an EEA FM, there is still a 3 year residency requirement for student finance, for obvious reasons.

[siralexius]

before UK I lived EU country 7-8 months ı have RC 1 year ending Aug.

[CR001]

before UK I lived EU country 7-8 months ı have RC 1 year ending Aug.

This is not relevant to UK student finance. You need 3 years residence in the UK.

[Wanderer]

since march2016 we are in UK, but ı dont understand that why there is rule for 3 years stayed before your course, 3 years about 1 more diploma. and when ı take my RC 5 years its not enough for prove?

let's say if ı can't take Ioan, what can ı do ? another option ?

Get a job, save the money, then take the course.

[siralexius]

I have job, there are paying 7.20 min wage, just please tell me How can ı save? My wife and me wants to improve over self and make career. I need to work 5 years to save some money, time is not that fun,I can't waste like that and ıts not like I want to buy house,Its about education about studying.

[Wanderer]

I have job, there are paying 7.20 min wage, just please tell me How can ı save? My wife and me wants to improve over self and make career. I need to work 5 years to save some money, time is not that fun,I can't waste like that and ıts not like I want to buy house,Its about education about studying.

Get another job, and another. Petrol Station, McD''s, pub jobin evening - I had three jobs in my early thirties (9-5, pub job evenings and markets at weekend) to fund my second degree (was grants then - not loans and no grants for a second degree) and I had at least three kids then (ended up with five!)

You do whatever is necessary, wife work?

Or relocate to Germany or Sweden where education is free?

[noajthan]

I have job, there are paying 7.20 min wage, just please tell me How can ı save? My wife and me wants to improve over self and make career. I need to work 5 years to save some money, time is not that fun,I can't waste like that and ıts not like I want to buy house,Its about education about studying.

The country cannot afford to finance everyone who wants an education even by means of loans that will (eventually/possibly) be repaid.

So short of winning the lottery these are the main options...

For finance, to cover fees and living/study costs:

• your own resources, family support;
  Or student finance, bursaries, scholarships etc;
  Or get a loan, get a job

(for example, I've lived here and paid taxes all my life - I still kept a parttime job and studied, at age 30+, with wife and mortgage to support).

Suggest investigate the costs and benefits of each option, then decide.

[Casa]

High education evening classes.

[Petaltop]

let's say if ı can't take Ioan, what can ı do ? another option ?

If you wanted to move an EEA for free education to improve your career chances, then your EU citizen wife and you need to move to an EEA country like Germany. As has been pointed out, some EEA countries will give you free education, but England is not one of these countries.

[siralexius]

thank you for idea but, we just moved to england and we are starting to planing over life.Can ı take student Ioans with bank ? after ı studied ı can pay back.

[noajthan]

thank you for idea but, we just moved to england and we are starting to planing over life.Can ı take student Ioans with bank ? after ı studied ı can pay back.

Yes, if bank offers a loan.

Have you worked through and analysed all other options yet? (suggested above)

[siralexius]

Thanks for suggest a lot, I can't offer my self and I can't take family support.
For studen finance what I understand I need to prove that lived in uk 3years.We just moved march 2016, I am still waiting for my RC.

My points not high for ''bursaries, scholarships'' I wish to take but my high school point is bad so unfortunately.
I am working right know and my wife is looking for job, its too hard to get job and one person working its not enough. I can't save money even ı can with my wife ıts about years and ı'dont want to lose time. I think only option is take student Ioans in bank. I want to study and I couldn't belive because of money, I am so upset.

[Casa]

Banks don't provide 'student loans' as such. They offer bank loans depending on your income and your ability to re-pay the loan + interest. The bank won't wait for you to complete your studies, they will want repayments made every month over the lending period. A £10,000 loan over 5 years is likely to cost you around £200 per month in re-payments. A bank will be reluctant to loan you money unless you have security, i.e a home owner and/or sufficient earnings from permanent employment. It depends on your credit rating. Also the fact that you don't have permanent residence in the UK will be against you.

[iuliapi]

I will try to help you with some info as my family was just in a similar situation.

First, you do have a right to want to study and develop yourself and it is completely understandable that you can't save much on a minimum wage. However, you have to be prepared for all kind of obstacles and you should get updated with the regulations in the UK.

Most importantly - your first priority should be to get the residence permit. It is not given by default and there are lots of stories of negative answers to the application. If you explore this forum you will find some of them.

As regards the loan - you are not eligible for the loans offered through the government scheme as you have not lived in the EU space for 3 years previously.
Banks will most likely not give you any loan without a significant credit history. They analyse your financial situation overall and usually only offer loans when they are sure that people are stable enough to repay it. It is not your case, especially since you don't even have a residence permit yet and you're living on a single income.

Your only option could be with this guys
xxxxxxxxxxxxxx

They offer better rates than a bank and you only pay a small amount while studying. BUT they will ask you to provide a guarantor resident in UK - a person that you know and has a stable income. Give them a call and see what they say. They are quite friendly.

Good luck!