Chapter 17: Student debt1. Financial support for studentsAdvising students2. Stages of debt adviceExploring the debt problemList creditors and minimise debtsList incomePeriod to be usedList expenditure3. Types of debtBank overdraftSpecial featuresDebts to the educational institutionAccommodation chargesFines and other chargesTuition feesRecovery of debts to the institutionGraduate loanThe legal positionSpecial featuresIncome-contingent student loanScheme one loansScheme two loansMortgage-style or fixed-term student loanThe legal positionSpecial featuresChecklist for actionOverpaid grant for living costsThe legal positionSpecial featuresOverpaid income-contingent student loanSpecial featuresProfessional and career development loanSpecial featuresProfessional studies loanThe legal positionSpecial features4. Minimising debtsReducing council tax bills5. Maximising incomeBank loansBank overdraftsBenefitsUniversal creditChild tax creditHealth benefitsHousing benefitIncome supportIncome-based jobseeker’s allowanceStudents taking time out from their studiesBursariesCharitiesEmploymentTax refundsGrantsMaintenance grant in EnglandWelsh government learning grantTravel allowancesCare leaversSocial work coursesHardship fundsLoans for living costsIncome-contingent student loansLong courses loanStudying abroadChange in circumstancesNHS bursariesPart-time supportPostgraduate supportProfessional studies loansResearch councilsSupplementary grantsDisabled students’ allowanceAdult dependants’ grantChildcare grantParents’ learning allowanceTeacher training incentivesHelp with tuition feesAdditional funds to assist students6. Dealing with priority debtsThis chapter covers:1. Financial support for students (next)2. Stages of debt advice (here)3. Types of debt (here)4. Minimising debts (here)5. Maximising income (here)6. Dealing with priority debts (here)