Student loans - Unfair charges
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You may have heard student loans being described as either 'old style' or 'new style'. What category your student loan falls under is determined by when your course began:
If your course started before 1998, yours is an old-style loan, also known as a mortgage-style loan. This kind of loan is registered under the Consumer Credit Act (CCA). Old style loans are repayable over five years, or seven years if the original course lasted more than three years.
Any student loan taken out after 1998 is a new style loan, also known as income-contingent loans. This type of loan is deducted at source from your wages as monthly installments once you start to earn above a certain threshold.You should know
Student loans are authorised by the Government through the Student Loans Company (SLC).
What financial help you can get depends on the course you study, where you live while you are studying and your individual circumstances. Most full-time students can get a tuition fee loan to cover the full cost of tuition fees and a maintenance loan to cover the cost of living expenses.
You don’t normally have to pay the loan back until you’ve left college or university and your income has reached a certain amount.
If you have an issue with the service you receive from Student Loans Company, you should use Resolver to submit your complaint. The Student Loans Company (SLC) will investigate your complaint and provide a response within 15 working days.
If you’re not satisfied with the response you can ask for a senior manager to review your complaint. They’ll aim to respond in writing within 15 working days of you submitting your complaint.
And finally, if you’re still unhappy you can ask for your complaint to be referred to our Independent Assessors. Independent Assessors are independent of SLC and conduct impartial investigations into cases which haven’t been resolved by SLC’s internal complaints review process.
Review by an Independent Assessor is the final stage of the SLC complaints process.
If you remain dissatisfied with the outcome you may wish to seek legal advice on what options are available to you. This may include referring your concerns to the relevant Ombudsman.
The Ombudsman will normally expect you to have gone through the full SLC complaints process before they’ll consider your case.
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