Rebecca is the lone parent of a 10 year old daughter. She has just finished her first year of a full-time degree course at Newcastle University.
She’s been managing on her Student Income, Child Tax Credit and Child Benefit but has just explained to her Housing Officer that she will not be able to pay any rent until September when she receives her next loan payment.
Rebecca could claim Universal Credit - she is a 'qualifying student' as she is a lone parent.
BUT when she makes her claim for UC, her Child Tax Credit claim will be brought to an end.
So a better off calculation needs to be dome - looking at both the summer holiday period as well as when she returns to Uni in September.
For CTC her student loan is totally disregarded.
For UC, it can take account of her rental liability but will take most of her student income into account.