I disagree with the comment that it is nigh on impossible to live at uni without going in an Overdraft. I often in the first year and 2nd year wish I had an Overdraft when I only had 4 pounds and 30 pence to last me till pay day. Luckily pay day was 3 hours later. I have to budget within my means. Some weeks I had 150 pound to live with, and one week i had 27 pound. I asked my dad if it was best to get an Overdraft and his answer was "that is the easy way out, just don't go out this week, simple" I hate it at times that I am a student and "don't have a 9 to 5 job", but I do disagree with the sentiment that it is nigh on impossible to live without an Overdraft.
I thought you had a weekly/monthly payment from your grand parents anyway Jord?

As for the loan lasting you 3 months, don't you live on your job?
I literally live on my wage. It's rubbish really, and depressing at times when you can only go out once every 2 weeks, and work every Friday and Saturday night when i have to miss Rugby and can't go out on boozy weekends away, but I look at it that I only have one year left after these next few weeks, and then I will be able to have a "clean slate" as it were, and then try and get mortgage etc.


With alot of people getting loans and then alot getting grants, I don't know how people need multiple over drafts. Well I do, there too lazy to get a fecking job. some lads I know in one house turn upto around 3 hours a week of lectures and are in bed till around 2pm every day. That bores the hell out of me personally, but each to there own I guess.

lainey wrote

No, it's not right.

I get roughly £150 a month off various members of my family, it's still not enough to live off.

Granted things are a lot better for me this term as I am working, I regret not getting a job sooner.

Stay out of the fooking pub then!!!

I spend roughly £50 a week, £20 of which goes on shopping, I'd spend a lot more than £30 a week on socialising at home than I do down here.

It gets better and better

So now you work, do you not get the roughly 150 pound anymore?

Interesting thing to note is that alot of people were going on holidays last year, yet most of my mates at University are saying how it made them so skint last year, that they're settling for a weekend in Brighton/Blackpool etc.

Seriously with the job situation though, one lad said to me that his brother never got a job, got into huge debt but came out with a first, and he has multimple overdrafts, no job, but also gets the grades that he wants.
I suppose there is a balance really, because I have done around 20 hours this weekend, but downside is that I have a 2,500 word assigment to do all night tonight for tommorrow afternoon.
I couldn't not work though as I spend around 70/80 pound a week (at least), and I just couldn't sponge that off anyone or put that in an Overdraft, because as I was saying earlier, I want a clean slate financially as it were when I have graduated.

Can you tell I hate been stereotyped as a student. Oh and plus at this moment in time I'm getting taxed.

So he's spoiled aswell.

Right, Ive tried and tried not to get involved in this "debate" but I cant avoid it any longer; partially due to work boredom, partially due to opinion.

I went to uni (Leeds met) for 4 years and at then end of it I had no debt whatsoever. I worked all through my degree and althouth I did get a loan (Straight in an ISA; its free money ffs) it was paid back straight away and all was and still is good. Now; I don't see why If I can do it, others can't. Im conscious of some courses needing expesnive equipment and foreign placements etc etc and admittedly this may mean some people need to borrow money but this should be the exception. As it is, im the exception for leaving with No Debt, it seems £20k debt is the norm nowadays.....

Universities for me have become abit of a joke. From my experience schools and colleges push you down that path, and the quality of students has been affected. On my course there was some people who I would regard as being "unsuitable" for higher educaction. Now, im all for equality and there paying to study just as I am. But when you get one of them in your study group and 1/3rd of your mark is down to their contribution to a project this is grossely unfair on those who may be a) Working harder and b)Alot more capable. When i got into uni my parents were "proud" because I was the first in the family to go to university. Now i believe that this pride will be lost as it becomes increasingly easier and increasingly more commmonplace for people to go to uni. I'd dare sasy that those who don't now go from school are in the minority.

On the subject of those being "helped" by parents/grandparents etc etc etc. Im not against this in anyway, but I think those getting this "free" money should be grateful. Not that I have any suggestion they wouldn't be. I'd like to think that when and if I have kids I will support them as much as I can finanicially. Chances are they'll be going to uni nowadays.

Overall, what I'm saying is that the majority dont need to get into debt to go to and progress successfully from University. Its all about sacrifice. I may not have got two weeks in magaluff with the lads off my course every year, some designer jeans, and some wicked nights out in town on student nights when I was at uni. But what I did get was a degree, which at the end of the day is what its all about, and I believe alot of people currently at uni forget that. What they wont forget is the thousands that they owe. Unfortunately Neither will the banks/credit agencies......

Agree about the people in study groups!

I've recently been stuck with a group who were quite frankly all thick apart from me and one other girl, we ended up doing all the work and the others would have got the same mark as us. I wasn't prepared to accept this so spoke to my tutor and asked for a peer assessment.

From this alone, I kind of got the feel that these people were just at uni for a laugh, because their standard of written English was awful, the lad from Budapest's work was easier to understand!

Spot on.

Although university isn't the best option for a lot of people it has become expected that 18 year olds will go to university, most are happy to go but couldn't care less about their education being more concerned about who can down the most pints without throwing up everywhere and ing their student loan/overdraft/any other money they can waste against a wall. The hysterical thing comes when they are then panicing about an assignment due in the next day because they haven't had time to do it - awww must be a hard life uni 10 hours a week sleeping and getting ed all day

Too true mate; I was in a group of 3 for the specific assement I was thinking. One lass was a part timer on a different course (that included the module lecture we were in) She lived it London and because she was a part timer she was only in 1 day week and that day was full. The other lad....well lets just say he arrived by bus. A big yellow bus which he claimed had the nicest tasting windows ever. Lost cause mate. the thing was he tried. So i thought about a peer assement and spoke to my tutor about it and it wasnt that he wasn't co-operating or wasn't doing the work, It was just the fact he was thick as f**k. Lost cause mate, quit now, get to McDonalds. They even get you B.Tecs nowadays....

That was the thing with a lad in my most recent group, he did his work, it was just nothing to do with what we were being asked.

I ended up doing his two sections aswel as my own two, and wasn't prepared to accept it, he won't be passing.

its all about money making, just look at the international students.

i had one task with three chinese students couldnt speak a word of the queens. me and another lad took on the bulk of the work and asked them to produce one simple slide each. what did they do, hand in a copy and paste of a web page! blatent plagerism, so we had to re-do it for them. we got a 70, but 'proportional marking' meant we had to rate everyone in the groups effort - they didnt understand so put everyone at 50% effort so I ended up with 55 instead of the 70 id put in all the work for.

point is, no one at the uni cared. they were just fleecing these international kids, who it turns out were re-sitting the year anyway!

on the debt size, what does it matter? students get themselves into their own mess, as long as they dont come running why should anyone else pass judgment. if anything, they're the only ones stimulating the economy at the minute!

That's exactly my point, as long as students work all summer to pay back their overdrafts etc what's the problem?

Do you not think that attitude says a lot about the way we think about money now - ahh its someone elses problem it doesn't matter.

No matter what most 18 year olds say they aren't mature enough to think in the long term, to consider the problems they are creating for themselves in the long run and the banks are actively encouraging that with their offers of overdrafts and credit cards and of course all this "free" money is ever so appealing until the day they realise the debt they have left themselves with that they have to struggle to clear.