The Art of Communication

The inevitable truth is a university lifestyle is a very costly one. It is almost unheard of that an average student will graduate with no debt. The former advice was designed to help you limit, rather than stop, the potential financial pitfalls that embody the majority students.

However for some of you, crisis may hit. It is estimated that one in twenty students are seriously behind with their bills. If this is you, the worst path to take is that of denial - in reality, BT got it right - it’s good to talk!

Where to go for help/advice

There are professionals who can provide help and support without a disparaging tone. Most high street banks now have a specific student advisor who can help you begin to manage your debts.

Another avenue is your Student Union (tel - 0871 221 8221). Purposely designed to provide its students with all forms of advice and counseling, your S. U. is now highly likely to have debt specialists within it.

There is help available for restricted applicants through a fund called “access to learning fund” Specifically designed to help students stay in higher education and provide extra financial support, the “access to learning fund” can provide emergency payments for unexpected financial crises.

Eligibility to the “access to learning fund” is limited to:

• Students with children, especially lone parents
• Other mature students, especially those with existing financial commitments
• Students from low-income families
• Disabled students (if your disability prevents you from studying 50% of a full-time course, you will also be eligible for support from the funds, as long as you are studying at least 25% of a full-time course)
• Students who have been in care
• Students from Foyers or who are homeless
• Students in their final year

There are also charities and other welfare agencies that can provide some form of financial support. Try contacting the Family Welfare Agency (tel - 020 7254 6251) and they may be able to assist you in your problems. You will need a supporting statement, however, from your S. U. authenticating your situation.

Ever a fan of the cliché, a problem shared is a problem halved! You are not expected to deal with this on your own. Chances are if you do, the situation will only get worse. Communication is key so, while gossiping on your mobile does cost the earth, this sort of talking could save you a pretty penny.