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Student Loan while on WHV?

Travel Forums Australia / New Zealand & The Pacific Student Loan while on WHV?

1. Posted by Tracy2011 (Budding Member 71 posts) 5y

Hi everyone,

Has anyone fom the UK who's been/going on a WHV sorted out their student loan repayments with the SLC?

I've read that if you're going away for more than 3 months you need to fill out an assessment form giving details of how you will support yourself and any work you'll be doing.

I spoke to them and explained that as I'm going on a WHV, I have no idea how much I'll be earning (but doubt it's anywhere near the £15k threshold), when I'd be working or where.

They said to include a covering letter with the form to explain this, but it seemed odd that they didn't seem to have an official policy for WHVs, considering how many ex-students must go on them!

If you don't inform them they can demand monthly payments of up to £350 a month as well as penalty fees or hire tracing agents to find you......gulp!

I'm happy to pay what I should pay, but only if I'm earning enough....I don't see how I can predict this in advance or prove it to them.

Any advice would be appreciated

2. Posted by wanderer82 (Full Member 111 posts) 5y

Don't tell them anything!

They can only track what you earn in the UK, they've no right to ask for payments from money you've earnt abroad.

TBH I think you're worrying a bit too much.

3. Posted by nicolac34 (Budding Member 18 posts) 5y

We are due to go in 2 weeks and I wasn't planning on telling the Student Loans Company.

My husband hasn't even been paying his back for the past two years because they haven't 'found' him in the PAYE system (not that he's been hiding or anything, just been in and out of jobs!)

I'll change my address to my parents address and if they get anything threatening to do anything then I will get in touch - but otherwise I wouldn't worry too much, I've known loads of people who have gone away and not told them and they've had no problems.

4. Posted by Tracy2011 (Budding Member 71 posts) 5y

Unfortunately they know I'm going away following my phone call to them so there's no where to hide!

This article (if the link works) is worth a look .....

RugbyJock - they do have a right to ask for payments for money earnt abroad (check the sneaky terms and conditions you signed). If they didn't expect money back from working abroad anyone could just move overseas and never pay it back..... Oh a girl can dream!

5. Posted by Jessica_12 (Inactive 9 posts) 5y

I don't live in the UK but I currently have a student loan in Canada and the way it works here is that you don't have to start paying back until six months after you finish school. Then you can pay the minimum payment each month of any amount of money.

I, however will have my student loan paid off this summer so my parents won't have to deal with it when I am gone for the year.

6. Posted by wanderer82 (Full Member 111 posts) 5y

Apologies, is seems you are right. I'm going from personal experience where I didn't tell them anything. I wasn't earning over the threshold before I'm pretty sure they didn't take anything while I was away (Australia 6 months)