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Important – what you should know about your role
Students are responsible for paying back student loans – not parents or partners
Although you will be required to submit information relating to your income in order to support your child or partner’s application for student support, this does not make you liable for any resulting debt.
The obligation to repay lies entirely with the student. This remains the case if the student:
- withdraws from higher education,
- their earnings do not reach the required level to initiate repayment, or
- if they die while still owing money to the Student Loans Company
When a student’s eligibility for support is being assessed, the Education and Library Board (ELB) will take into account the household income, that is, the income of the student and their parents or partner. If you do not provide details of your income, the student may not receive help with their fees, a grant to which they are entitled, or the maximum amount of student loan available to them. When you provide details of your income you will also be invited to submit original documentation as proof of income. This will be explained to you when you are providing your household income details.
The ELB will look at your income for the previous financial year, but if there has been a significant drop in income (5% or more), it is possible that they will review your likely income for the current year.
If the ELB determine that you should make a contribution towards the student’s tuition fees and living costs, they will inform you what the contribution should be.
Household income
If you are the parent of a student who normally lives with you, and are separated or divorced, your income counts towards the ‘household income’ but the student’s other parent’s income will not. If you are the parent of a student and have remarried or live with a partner (of the opposite or same sex), their income will count towards the ‘household income’.
If you are the parent of a student and you have other dependent children, the ‘household income’ will be reduced by a certain amount for each child before the ELB calculates your contribution.
Information available to you
Your role as the parent or partner of a student is to provide information to support an application for a loan, grant, or assistance with tuition fees. This does not entitle you to information about the student’s application for support. The Data Protection Act requires us to keep all your information, and that of the student, private. If however you would like to make enquiries on behalf of a student, they can give Student Finance ni permission to talk to you about their account. Details on granting this permission are available through the Student Finance ni Home Page.
Identifying yourself online or by telephone to access your application
Your Customer Reference Number
Your Customer Reference Number is a unique eleven-digit number used to identify you when you login to our website or call us. If you apply on line, your Customer Reference Number is provided to you immediately. You will need your Customer Reference Number every time you log into your account via our website. If you submit a paper application, your Customer Reference Number will be issued to you when your application form is received by Student Finance ni. You will find your Customer Reference Number on all correspondence relating to your student finance application, in the top right hand corner.
How is the Customer Reference Number used?
When you log in to your account via the Student Finance ni website you will be prompted to provide your Customer Reference Number. Additionally, you will be asked to enter your internet password and secret answer before you can gain access to your information. Your Customer Reference Number can also be used in conjunction with your personalised pin number (which is issued to you at the same time as your Customer Reference Number) to obtain information on your account, through our Automated Telephony system, when contacting Student Finance ni by telephone. Your Customer Reference Number is printed on all correspondence you will have received from Student Finance ni.
What is your “secret answer”?
Your secret answer is a word used to identify you when you log in to the Student Finance ni website or when you contact us by telephone. If you registered online you will have chosen your secret question and answer at that time. If you applied for student finance on paper, you will have been sent an initial secret answer in the post which will be a combination of random characters.
How is your “secret answer” used?
You will be prompted to provide your secret answer every time you log into your account on the Student Finance ni website. Together with your internet password, this will provide you with access to your account online.
What happens if you forget your secret answer?
If you forget your secret answer you will need to contact Student Finance ni. When you login to the website you are able to change your secret answer to something more meaningful and easy to remember.
If your household income changes while the student is studying
The ELB will look at your income for the financial year 08/09 to decide how much a student is entitled to. However, If your household income drops by 5% or more, the student should advise the ELB and they will review your likely income for the current year instead. They reassess the student’s entitlement based on your new income.
You should complete and send in a Current Year Income Assessment Form if your income changes while the student is studying their course. Please visit the Forms and guides page to download a Current Year Income Assessment Form.
If the ELB decide that you should make a contribution towards the student’s tuition fees and living costs, they will tell you know how much you should pay in support.
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