This slice of family drama comes to us from the UK, where a university student recently discovered that her parents had left her £2250 in debt!
She’s Always Wanted to Go to University
Our protagonist, a young female, has always dreamed of attending university and getting an education. She was excited to start her journey and work towards her future career.
She Couldn’t Set up a Bank Account
However, things didn’t go exactly as planned. She didn’t have a bank account when she applied for a student loan.
She and her parents tried to set up a student bank account, but she kept getting rejected, apparently for her non-existent credit history.
And She Had to Get Her Loan Paid to Her Parents
As her start date for the university was approaching, they didn’t have enough time to sort out the issue, so they agreed to set up her parent’s bank account to receive the loan and for them to make the payments to her accommodation.
Student Loans in the UK
If you’re not familiar with how student loans work in the UK, students get two loans: a tuition loan of around £9000 which gets automatically paid to the university, and a maintenance loan of about £4000, which gets paid to the student to pay for accommodation.
She Was Struggling With Her Mental Health
Things didn’t go as planned for OP at university, either. She struggled with anxiety and stress, which only worsened as time went on. She was having regular panic attacks, and it was affecting her studies.
By her second year, she had reached a breaking point and needed to seek therapy. As a result, she had to go on temporary withdrawal from the university.
They Said They Paid Her Too Much
During this period, The Student Loan Company (a UK firm created to manage student loans) declared she was overpaid on her maintenance loan since she did not need accommodation for the whole year.
The overpayment would get deducted from her next year’s loans.
She Couldn’t Last There
When she returned to university the following year, things didn’t get any better, and she ended up permanently dropping out.
And They Wanted Her Money ASAP
The Student Loan Company said they had overpaid her a total of £2250 of money she did not need for accommodation, and since she had dropped out due to her mental health, they demanded she pay it back immediately!
She Was Broke, so Her Dad Said He’d Handle It
OP obviously didn’t have the money to repay the loan, and her father offered to handle it. Her parents were separated at the time of her loan application but still had a joint account.
They are currently in the process of divorcing, and of course, OP doesn’t want to know the details of her parent’s divorce process.
However, All Was Not as It Seemed
However, she soon found out that her father was dragging his heels on making the repayments, always pushing back and not taking any action.
This resulted in OP repeatedly getting threatening phone calls and letters from the Student Loan Company!
She Finally Confronted Her Dad
After over a year of dealing with the stress and anxiety of the situation, OP finally confronted her father about it.
She lives with him currently, and he admitted that the money received from the Student Loan Company was “gone.”
They’d Spent It All?!
Apparently, between both of her parents had managed to spend the money that was supposed to go towards her accommodation fees, and now the money just isn’t there anymore!
The Only Fair Way to Deal With It
OP told her father that they would have to pay the Student Loan Company back with their own money since they decided to spend money that wasn’t theirs to spend.
But He Wants Her Mother to Pay It
However, her father deflected the blame on her mother, asking why she couldn’t pay the money back and why he had to!
It Was Their Fault!
This conversation occurred recently, and OP is feeling very frustrated.
She now has to carry the burden of having the debt pinned on her, even though her parents spent money that wasn’t theirs to spend.
They’d Rather Fight Than Help Their Daughter
It seems like the two of them would rather fight over who should pay the money back than help OP.
A Rough Situation
It’s a tough situation for OP to be in. Not only did she have a difficult time at university, but now she had to deal with the stress of debt and her parents’ financial irresponsibility.
No Wonder She’s Frustrated
It’s understandable that she would feel frustrated and upset about the situation. She trusted her parents to handle her finances, and they let her down.
Now she has to deal with the consequences of their actions. It’s frustrating that her dad is trying to push the responsibility onto her mum, and it’s clear that the divorce has made things even more complicated.
It’s Easy to End up in Debt
Debt can be a heavy burden, especially for young adults who are just starting out in life. Since OP’s parents separated at the time of the loan, she may have legal options.
A lawyer can help her navigate the complex legal landscape and determine what her rights are.
It won’t be easy, but with determination and perseverance, she should be able to overcome this setback and emerge stronger and more resilient than ever before.
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Featured Image Credit: Shutterstock / fizkes. The people shown in the images are for illustrative purposes only, not the actual people featured in the story.