₦airaland Forum

Mcleo007:
Having the full money in one's account as shown via bank statements does not mean one is disposed to throw it all into education, especially as they know the applicants are more likely to be grown adults who possibly would have family. How many Brits can pay 10% of that money at a go. This move is more like them telling people not to bother to go further with the application. Makes no sense at all!

You are not making any sense, do you want to pay the tuition fees or not? The university did not change their policy halfway through the semester, they want their tuition fees paid before the semester starts and they have every right to do that.

Last summer we all witnessed what happened with many Nigerians dragging their universities to media platforms because of tuition fees.

Cyberknight:
1. Fees for international students in the UK are high.
2. It is a known fact that the universities set them at that level so as to subsidise home fees.
3. The rules for international students do not specifically contemplate coming to the UK to work to earn one's fees. The rules require upfront evidence of affordability.
4. Universities previously allowed flexible payments because they needed to attract as many internationals as possible. Any university which chooses not to allow flexible payments is not wrong.
5. A UK education for an international student is a luxury, not a necessity.
6. Like every luxury, not everyone will be able to afford it.
7. This is about reality, not sentiment.

Couldn’t agree more

Cyberknight:
1. Fees for international students in the UK are high.
2. It is a known fact that the universities set them at that level so as to subsidise home fees.
3. The rules for international students do not specifically contemplate coming to the UK to work to earn one's fees. The rules require upfront evidence of affordability.
4. Universities previously allowed flexible payments because they needed to attract as many internationals as possible. Any university which chooses not to allow flexible payments is not wrong.
5. A UK education for an international student is a luxury, not a necessity.
6. Like every luxury, not everyone will be able to afford it.
7. This is about reality, not sentiment.

Are you sure? There is a reason why students are allowed to work 20 hours a week and full time when on holidays, some of these things were actually factored in including allowing dependents or spouses to work full time until recently but still PhD and research students spouses can still work full time.

These things are not as straightforward as we think, the western world financial system is a credit based system and where flexible payments are allowed this is the credit they are also extending to international students just like they allow domestic students to get loans to pay up sch fees and for up keep expenses. The shift in policy now is all related to the current mood and national discourse and has nothing to do with principles even financial principles and of course in due time we will see a shift again when in reality it will no longer make financial sense for the schools themselves but this idea that uk education is a luxury and not a necessity cannot hold as education remains one of the major export and forex earner for this country and they still need to compete globally if we don’t want to see more job losses and economic damage.

justwise:
You are not making any sense, do you want to pay the tuition fees or not? The university did not change their policy halfway through the semester, they want their tuition fees paid before the semester starts and they have every right to do that.

Last summer we all witnessed what happened with many Nigerians dragging their universities to media platforms because of tuition fees.

Yes they have every right but does it make financial common sense for every stakeholder in the education sector? I don’t think so and if people default on payment for any reason that’s a different conversation and there are always legal terms and conditions to address that.

Even those who have all the money to drop at once will not do so if there are alternatives and of course there are and will always be alternatives.

Goodenoch:
Can you explain this please? Frankly it seems like terrible advice.

That’s because giving up your workplace pension means that you’re losing the employer contributions, and also means you’re losing tax savings because if you opt out of contributing 500 to your pension for instance, you won’t get back 500 to contribute to your private pension. What you’ll get back is 500 net of taxes, so 400 if you’re a basic rate taxpayer or 300 if you’re a higher rate taxpayer etc.

Combined with your lost employer contributions that means you’re losing perhaps 700–800+ going into your pension in exchange for only 300–400 extra in take-home pay, which you could simply move into any pension provider of your choice later and manage directly just like a private pension if you want (as long as you’re in a defined contribution and not defined benefit scheme).

The above even assumes you’d be as consistent in paying into your pension directly as it would be if it was getting taken off your payslip. In all likelihood, you won’t. You’ll skip May because the car needs fixing and plan to make it up in July; skip August because you need to buy that new phone and plan to make it up in September.etc etc

Unless there’s some nuance we’re missing here, giving up your workplace pension for a private one doesn’t make sense in any way, shape or form. The answer is to do both, ideally.

P.S. Sorry if I sound harsh. It’s because I know pensions are some of the most misunderstood aspects of personal finance among immigrants and I’m very particular about debunking many of the harmful myths I see going around that are bound to get people in their later years.

I get your point, but my take is, if I have to wait till I am 68yrs old (mind you, they can move the image to 70 in the coming years) to get around 200 quid every week, I can as well just say, ''f**k it!'', do a private pension, take it all out much earlier, plus the tax reliefs that come with it, then do something wholesome with the time comes. Plus, not everyone intends to live abroad till their 60s, I don't intend to. So, in the interim, heading home with that little stake makes sense, plus, missing out on the remittance to the pension account is unlikely as I will set a direct debit to handle that. This is not a financial advice tho!

justwise:
You are not making any sense, do you want to pay the tuition fees or not? The university did not change their policy halfway through the semester, they want their tuition fees paid before the semester starts and they have every right to do that.

Last summer we all witnessed what happened with many Nigerians dragging their universities to media platforms because of tuition fees.

You are missing my point; just because I have N60m in my account doesn't mean I can invest it all in education at once, as that doesn't make sense to me. Possessing the funds indicates my ability to support both my tuition and living expenses, rather than serving as direct proof that I intend to invest the entire amount at once for a Master's degree. This is unrelated to the small number of Nigerian students who couldn't afford their tuition, representing a minuscule fraction of Nigerians studying in the UK. A vast majority of Nigerians eventually settle their tuition fees. Let’s not disparage ourselves for the minor issues within our community. It's no laughing matter; numerous universities are facing difficulties due to a shortage of international students.

This issue is I am more than 26, so I can’t apply as a new entrant.

headofschool:
Tell them apply for you as new entrant if you don't mind the pay cut. You can always renegotiate with HR again once you are back on the job.

If they're hesitant on reframing you as new entrant, tell them since the work experience in their trust is still going to be new anyway, you can be considered new entrant on that basis

AnonymousAdmin:
Hi everyone,

Please, has anyone here recently applied for ILR as a dependant partner of someone on a Skilled Worker visa, or does anyone know someone who has?

I am a bit confused about the English language requirement. The GOV.UK website says that applicants may need to show that they meet the English language requirements and have passed the Life in the UK Test.

I have already passed the Life in the UK Test. However, I have seen some comments online suggesting that dependants may also need to provide proof of English proficiency. Since my degree is from Nigeria, I understand I may need an Ecctis confirmation, which costs about £210.

Please, can anyone who has gone through this process help confirm whether this is required for dependants?

Thank you.

Please don’t apply until you sort out the English proficiency it’s going to be a straight denial if you do so. If you can’t get Ecctis go sit for the required English test and get it done.

As for Ecctis if you can you’ll need to get a letter from your school in Nigeria on their letter head to state that your course was entirely taught in English(medium of instruction ) but if you can’t just go and do the required English test.

https://qls.ecctis.com/english-qualification-comparison/documents-you-will-need

Goke7:
Are you sure? There is a reason why students are allowed to work 20 hours a week and full time when on holidays, some of these things were actually factored in including allowing dependents or spouses to work full time until recently but still PhD and research students spouses can still work full time.

These things are not as straightforward as we think, the western world financial system is a credit based system and where flexible payments are allowed this is the credit they are also extending to international students just like they allow domestic students to get loans to pay up sch fees and for up keep expenses. The shift in policy now is all related to the current mood and national discourse and has nothing to do with principles even financial principles and of course in due time we will see a shift again when in reality it will no longer make financial sense for the schools themselves but this idea that uk education is a luxury and not a necessity cannot hold as education remains one of the major export and forex earner for this country and they still need to compete globally if we don’t want to see more job losses and economic damage.

I am.

There's nowhere this is stipulated in the immigration rules - it's clearly stipulated for all to read and I quote:

- "You must have enough money to pay for your course and support yourself in the UK."
- "You need enough money to pay for your course for 1 academic year (up to 9 months)".
- "You’ll need to show you have enough money to support yourself - unless you’ve been in the UK with a valid visa for at least 12 months on the date of your application".

People put forward bank statements evidencing these amounts when they apply for a visa. If they actually haven't got this money to pay upfront if required, then they can't afford the luxury of studying in the UK.

The point is that what the universities did in the past in terms of allowing flexible payment does not mean that a refusal to allow flexible payment anymore has now become a grave injustice to mankind.

We all know that the universities are hurting because current policy has severely reduced the flow of income from their cash cow, international students, but that does not in any way render unconscionable a university's decision to protect its sponsor licence in the current context by risk assessing and trying to reduce the number of persons whom it believes might be unable to ultimately pass Home Office scrutiny or complete their courses.

Cyberknight:
I am.

There's nowhere this is stipulated in the immigration rules - it's clearly stipulated for all to read and I quote:

- "You must have enough money to pay for your course and support yourself in the UK."
- "You need enough money to pay for your course for 1 academic year (up to 9 months)".
- "You’ll need to show you have enough money to support yourself - unless you’ve been in the UK with a valid visa for at least 12 months on the date of your application".

People put forward bank statements evidencing these amounts when they apply for a visa. If they actually haven't got this money to pay upfront if required, then they can't afford the luxury of studying in the UK.

The point is that what the universities did in the past in terms of allowing flexible payment does not mean that a refusal to allow flexible payment anymore has now become a grave injustice to mankind.

We all know that the universities are hurting because current policy has severely reduced the flow of income from their cash cow, international students, but that does not in any way render unconscionable a university's decision to protect its sponsor licence in the current context by risk assessing and trying to reduce the number of persons whom it believes might be unable to ultimately pass Home Office scrutiny or complete their courses.

There’s a part you left out in where you quoted which states that’ the amount you need to pay will be stated in the CAS letter which simply refers to compliance and that’s why the universities have flexible payment plans in place to meet up with that compliance. This is similar to the certificate of sponsorship assigned to skilled workers where the mandatory salary threshold is also stated. It doesn’t mean the companies should have paid that salary up front when the person hasn’t started working. I hope you get it now as there’s no where in the world where any school expects their students to complete full payment especially when a visa hasn’t been approved. Compliance is the issue here and not mandatory payment of all fees.

And if any school wants to protect it’s license as you’re implying then simply shut down admissions which is what many are doing already if indeed schooling in the uk is now luxurious.

When my wife came here to school it was mandatory that before enrolment 50% of the sch fees must be completed which was just weeks after resumption which I know is what many schools do, there is no way compliance can’t be achieved with that level of scrutiny so this our grouse with the proof of funds thing which I see is why many may be excited with this kind of measures is unfounded. And we should be careful cos there is a critical segment of that student workforce that small businesses in this country needs. Only small business owners may understand sha.

Goke7:
This is similar to the certificate of sponsorship assigned to skilled workers where the mandatory salary threshold is also stated. It doesn’t mean the companies should have paid that salary up front when the person hasn’t started working. I hope you get it now as there’s no where in the world where any school expects their students to complete full payment especially when a visa hasn’t been approved. Compliance is the issue here and not mandatory payment of all fees.

And we should be careful cos there is a critical segment of that student workforce that small businesses in this country needs. Only small business owners may understand sha.

Regarding the bolded, you may want to revisit that analogy, as well as the first italicised statement.

Regarding the second italicised statement, as much as I'm also an expatriate in this country myself, I can't see how it can be asserted that there's a segment of business in this country that would be decimated or would fail to flourish without the presence of international students, but it's really hot today and there's no point us going back and forth.

Well said and totally in agreement… I do not understand what those people up there are saying…

School want you to pay the full money you said you have and you are making defense about home student or uk citizens.

Cyberknight:
1. Fees for international students in the UK are high.
2. It is a known fact that the universities set them at that level so as to subsidise home fees.
3. The rules for international students do not specifically contemplate coming to the UK to work to earn one's fees. The rules require upfront evidence of affordability.
4. Universities previously allowed flexible payments because they needed to attract as many internationals as possible. Any university which chooses not to allow flexible payments is not wrong.
5. A UK education for an international student is a luxury, not a necessity.
6. Like every luxury, not everyone will be able to afford it.
7. This is about reality, not sentiment.

Cyberknight:
Regarding the bolded, you may want to revisit that analogy, as well as the first italicised statement.

Regarding the second italicised statement, as much as I'm also an expatriate in this country myself, I can't see how it can be asserted that there's a segment of business in this country that would be decimated or would fail to flourish without the presence of international students, but it's really hot today and there's no point us going back and forth.

Immigration rules apply to both pre and post visa issuance and that’s why visas can be cancelled and people deported for compliance reasons. It’s not that deep.

I hope it’s not those sitting at home you’re expecting to fill up those gaps in the retail sectors and small businesses that can’t afford to pay full time workers and just need folks that will work few hours a week to keep life going.

One thing we all forget at the end it’s me and you that will still bear the brunt in increased taxes and cost of living cos how do you expect the govt to keep taking care of vulnerable people and families, where will they get the money from if not from hardworking people like you but because we can’t connect the dots to ourselves we assume it’s okay and doesn’t concern us.

AgentXxx:
Well said and totally in agreement… I do not understand what those people up there are saying…

School want you to pay the full money you said you have and you are making defense about home student or uk citizens.

You won’t understand until your council taxes and bills go up again.

Mcleo007:
You are missing my point; j[b]ust because I have N60m in my account doesn't mean I can invest it all in education at once[/b], as that doesn't make sense to me. Possessing the funds indicates my ability to support both my tuition and living expenses, rather than serving as direct proof that I intend to invest the entire amount at once for a Master's degree. This is unrelated to the small number of Nigerian students who couldn't afford their tuition, representing a minuscule fraction of Nigerians studying in the UK. A vast majority of Nigerians eventually settle their tuition fees. Let’s not disparage ourselves for the minor issues within our community. It's no laughing matter; numerous universities are facing difficulties due to a shortage of international students.

Bro you still not making sense, the university is not asking you to donate to their charity, they are requesting that you pay your tuition fees as agreed, you were given admission and issued a CAS because to have shown that you met the financial requirement.

Goke7:
Yes they have every right but does it make financial common sense for every stakeholder in the education sector? I don’t think so and if people default on payment for any reason that’s a different conversation and there are always legal terms and conditions to address that.

Even those who have all the money to drop at once will not do so if there are alternatives and of course there are and will always be alternatives.

What legal course of action do you expect the university to take when an international student failed to pay the school fees?

justwise:
What legal course of action do you expect the university to take when an international student failed to pay the school fees?

Revoke access to the school system and report to the home office who in turn cancels visa and this happen very well.

😂 But funny enough I know someone who was still owing after graduation and the school just set a direct debit to collect the balance

Goke7:
Revoke access to the school system and report to the home office who in turn cancels visa and this happen very well.

😂 But funny enough I know someone who was still owing after graduation and the school just set a direct debit to collect the balance

That is not a legal action and all you listed above will not recover the money for the university . So to avoid all that the university decided to request for payment upfront

justwise:
That is not a legal action and all you listed above will not recover the money for the university . So to avoid all that the university decided to request for payment upfront

Before visa issuance? Ok o

Thank you very much!

Goke7:
Please don’t apply until you sort out the English proficiency it’s going to be a straight denial if you do so. If you can’t get Ecctis go sit for the required English test and get it done.

As for Ecctis if you can you’ll need to get a letter from your school in Nigeria on their letter head to state that your course was entirely taught in English(medium of instruction ) but if you can’t just go and do the required English test.

https://qls.ecctis.com/english-qualification-comparison/documents-you-will-need

Goke7:
Before visa issuance? Ok o

Yes … it will solve a whole lot of problems…

justwise:
Yes … it will solve a whole lot of problems…

It won't; it will only encourage more money laundering, more job losses, and revenue shortfall for the government.

…

Mcleo007:
I get your point, but my take is, if I have to wait till I am 68yrs old (mind you, they can move the image to 70 in the coming years) to get around 200 quid every week, I can as well just say, ''f**k it!'', do a private pension, take it all out much earlier, plus the tax reliefs that come with it, then do something wholesome with the time comes. Plus, not everyone intends to live abroad till their 60s, I don't intend to. So, in the interim, heading home with that little stake makes sense, plus, missing out on the remittance to the pension account is unlikely as I will set a direct debit to handle that. This is not a financial advice tho!

You seem to be conflating a few different things so I just want to correct them so others aren’t misled:

1. Your reference to 200 per week makes me think you’re referring to the state pension. That’s different from your workplace pension and you’re paying for it via your NI contributions whether you want to or not.

2. There’s no requirement for you to wait till you’re 68 or 70 to access your workplace pension. That’s for the state pension. You can access your pension from the National Minimum Pension Age which is 57 (will be 58 from 2028). This applies to all pensions including private ones so you don’t gain anything by not getting your employer contributions into your pension pot.

3. Heading home before your 60s or whenever again has nothing to do with whether your pension is a private one or a workplace one. You can get paid abroad the same way, and the same restrictions on moving pensions to a foreign provider apply to both so again just like in point 2 above you’re just needlessly depriving yourself of the employer contribution for no benefit.

Mcleo007:
Having the full money in one's account as shown via bank statements does not mean one is disposed to throw it all into education, especially as they know the applicants are more likely to be grown adults who possibly would have family. How many Brits can pay 10% of that money at a go. This move is more like them telling people not to bother to go further with the application. Makes no sense at all!

This does not make sense
You get admission
School tells you your tuition and cost of living expenses
You present funds stating you have enough to meet these requirements of school
Then you say you can't pay TUITION in FULl?
So if you can not pay TUITION in full what will you about living expenses


There's a reason why places like Germany insist your funds are out in a bloc account where you can only access in the country.

Statistics is out.......😁

The highest rate of mother's using the NHS to give birth are .....

India - 27K

Pakistan - 19K

Nigeria - 15K

In the last few years.... 😂

......., 😂🇳🇬🇵🇰🤣😂

Lexusgs430:
Statistics is out.......😁

The highest rate of mother's using the NHS to give birth are .....

India - 27K

Pakistan - 19K

Nigeria - 15K

In the last few years.... 😂

......., 😂🇳🇬🇵🇰🤣😂

😂 Ihs 20 years fee deposit loading…..

Giving birth in the uk is about to become a luxury!

FYI

https://blog.investengine.com/rachel-reeves-tax-cash-in-stocks-and-shares-isa/

The more harder it is to come to the uk, get ready to part more with your money as a resident! Simple

Even your dividends, rental income they are all coming for it even state pension.

Happy viewing 😂

Goke7:
FYI

https://blog.investengine.com/rachel-reeves-tax-cash-in-stocks-and-shares-isa/

The more harder it is to come to the uk, get ready to part more with your money as a resident! Simple

Even your dividends, rental income they are all coming for it even state pension.

Happy viewing 😂

So, don't leave cash laying around in your cash isa....... Invest or withdraw...... 😂🤣

Lexusgs430:
So, don't leave cash laying around in your cash isa....... Invest or withdraw...... 😂🤣

So my cash can’t breathe in peace again in this country 😂 can I know my offence?

Goke7:
So my cash can’t breathe in peace again in this country 😂 can I know my offence?

I don't really leave cash laying around, any spare cash MUST be invested (nah cash wey spare, blacktax or unnecessary expenses dey grab).. ....... 😂😊

Lexusgs430:
Statistics is out.......😁

The highest rate of mother's using the NHS to give birth are .....

India - 27K

Pakistan - 19K

Nigeria - 15K

In the last few years.... 😂

......., 😂🇳🇬🇵🇰🤣😂

Surely this cannot be correct. We've been told numerous times that immigrants don't use the NHS.