Off Topic General Election Special

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On tuition fees, it's true that the 'debt' isn't actually a big issue for many. Certainly the pre-2012 starters when the costs went up and loans changed. I started just before then and my debt is something like £30k but I don't pay much back and I only pay what I do because the degree has helped me to get a job. It's pretty risk free.

The post-2012 starters are having the terms of their loans changed retrospectively meaning they'll pay back more over time. It's completely wrong but somehow allowed, a typically nasty Tory policy.

But the biggest issue for students is the costs they face when they're studying. The universities come up with some ridiculous fees for **** all and accomodation is a rip-off making it hard for some to get by without the help of their parents.
 
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GLP said:
Sorry, that's not a whoosh.
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You must have missed this - when Patty claimed to have a PHD, it was pointed out to him by me and others, that after three years of study anyone who has got a PhD, would know there is no PHD. I'll let you off as it is your sister that has a PhD and not you.
 
PLT said:
On tuition fees, it's true that the 'debt' isn't actually a big issue for many. Certainly the pre-2012 starters when the costs went up and loans changed. I started just before then and my debt is something like £30k but I don't pay much back and I only pay what I do because the degree has helped me to get a job. It's pretty risk free.

The post-2012 starters are having the terms of their loans changed retrospectively meaning they'll pay back more over time. It's completely wrong but somehow allowed, a typically nasty Tory policy.

But the biggest issue for students is the costs they face when they're studying. The universities come up with some ridiculous fees for **** all and accomodation is a rip-off making it hard for some to get by without the help of their parents.
Click to expand...

Loanees in actually having to pay it back shocker.
 
PLT said:
On tuition fees, it's true that the 'debt' isn't actually a big issue for many. Certainly the pre-2012 starters when the costs went up and loans changed. I started just before then and my debt is something like £30k but I don't pay much back and I only pay what I do because the degree has helped me to get a job. It's pretty risk free.

The post-2012 starters are having the terms of their loans changed retrospectively meaning they'll pay back more over time. It's completely wrong but somehow allowed, a typically nasty Tory policy.

But the biggest issue for students is the costs they face when they're studying. The universities come up with some ridiculous fees for **** all and accomodation is a rip-off making it hard for some to get by without the help of their parents.
Click to expand...

Will this debt count against you if you needed a mortgage?
 
Mr Hatem said:
You must have missed this - when Patty claimed to have a PHD, it was pointed out to him by me and others, that after three years of study anyone who has got a PhD, would know there is no PHD. I'll let you off as it is your sister that has a PhD and not you.
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Or Dr to you.

Whilst you're being pedantic most PHD courses take longer than 3 years.
 
6.3Mr.CityManHatrecurring said:
Loanees in actually having to pay it back shocker.
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That's not the issue, it's that they signed up to pay back under one set of terms, and now the Tories have changed those terms retrospectively. It's disgusting

GLP said:
Will this debt count against you if you needed a mortgage?
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I've got a mortgage and didn't have any trouble getting one. I wasn't earning a massive amount at the time, had never had any credit cards or loans, and it's not exactly a cheap house for someone my age. Oh and my girlfriend was still a student at the time! Given all that I was surprised it was so simple. I think the important factors were that I paid a 10% deposit and was on the electorall roll which is for some reason a really big deal to lenders.
 
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GLP said:
Or Dr to you.

Whilst you're being pedantic most PHD courses take longer than 3 years.
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A scientific based PhD is a minimum of three years, but it is not a course, as it is research-based, so you can take as long as you like.
 
PLT said:
That's not the issue, it's that they signed up to pay back under one set of terms, and now the Tories have changed those terms retrospectively. It's disgusting



I've got a mortgage and didn't have any trouble getting one. I wasn't earning a massive amount at the time, had never had any credit cards or loans, and it's not exactly a cheap house for someone my age. Oh and my girlfriend was still a student at the time! Given all that I was surprised it was so simple. I think the important factors were that I paid a 10% deposit and was on the electorall roll which is for some reason a really big deal to lenders.
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Did those terms state that they were final or could be subject to change?
 
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GLP said:
My Sister did a PHD and came out with about £30k of debt.
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I've got over 30,000 debt. What i'm saying is is that it's a debt that has zero impact on my life because the repayments are nothing unless you earn a lot, in which case you can afford it.
 
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