Education
University savings options: The best ways to save for education
Planning for university is a major financial commitment for students and families in Wales, but with good planning, these costs can be managed. Whether saving early or seeking financial solutions while studying, here are the best options to consider before and during university.
- Start early with a Junior ISA
A Junior Individual Savings Account (ISA) is a tax-free option for long-term savings. Parents can contribute up to £9,000 annually, with interest or gains being tax-free. Junior ISAs come in two forms: cash ISAs, safer with lower returns, and stocks and shares ISAs, which offer higher growth but carry more risk. Starting early allows savings to grow significantly before university.
- Scholarships and bursaries for Welsh students
Many Welsh universities offer scholarships and bursaries specifically for Welsh students or those studying in Wales. These can help reduce the need for extra loans, allowing students to allocate their funds towards essential expenses like tuition, living costs, or even services like pay for essay assistance. By using online writers, students can acquire immediate assistance with their work.
Cardiff University, Swansea University, and Aberystwyth University all provide scholarships to help reduce the financial burden on Welsh students. Researching and applying early can significantly lower the amount needed to borrow or save.
- Student loans and Welsh Government support
The Welsh Government provides extra support for students through Student Finance Wales, offering loans for tuition fees and maintenance, along with grants to help with living expenses.
Welsh students benefit from the Welsh Government Learning Grant, a non-repayable financial aid to help with living costs. The amount depends on household income, with lower-income families receiving more. This reduces reliance on loans, making university more affordable and easing debt after graduation.
- Help to Save scheme
The UK Government’s Help to Save scheme is ideal for low-income students or parents looking to save. Eligible individuals earn a 50% bonus on savings, meaning for every £1 saved, the government adds 50p.
Over four years, you can save up to £2,400 and earn up to £1,200 in bonuses—an excellent way to build a university fund, especially for those on working tax credit or Universal Credit.
- Welsh university hardship funds
If you’re already at university and facing financial difficulties, many Welsh universities offer hardship funds or financial aid to help with urgent needs like rent, bills, or course materials. Each university has its own eligibility criteria, so it’s worth exploring this option if you encounter financial challenges during your studies.
- Part-time work during university
Many Welsh students take on part-time jobs to help with living costs. Universities in Wales often provide student roles, such as working in libraries, cafés, or administration, designed to fit around academic schedules.
Local jobs in hospitality, retail, or remote work can provide a steady income, with the key being to find flexible roles that don’t interfere with academic performance. Services like the Swansea Employability Academy and similar university programmes help students find suitable part-time work.
Conclusion
For Welsh students and families, saving for university becomes easier with the right approach. Starting early, applying for scholarships, and considering part-time work are crucial steps in reducing the financial burden of higher education. With proper planning, students can manage university costs and secure their financial future.
Education
‘Sink or swim’: Young carer sat exam hours after 3am hospital ordeal
A TEENAGE carer sat a GCSE exam only hours after getting home from a hospital at 3am following a family emergency, a Senedd committee has heard.
The warning came as witnesses highlighted a “sink-or-swim” reality where children as young as three are taking on caring roles while feeling invisible to schools and social services.
Elektra Thomas, 15, who cares for her autistic, non-verbal brother and her epileptic sister, was part of a remarkable and articulate trio of teenagers who gave evidence to a new health committee inquiry on access to support for unpaid carers today (December 4).
The teenager helps her brother Blake get ready for school in the morning and helps him communicate by acting as his voice, which she has done since about three years old.
Ms Thomas told Senedd Members her sister has two children, “so I’m either handling her having a seizure, running around with her medication… or I’m looking after her kids”.
She said: “I’ve been having school assessments at the same time she’s had a seizure. I’ve been in ambulances waiting for her to get into a hospital while also studying.”
Ms Thomas explained how she is unable to focus on her schoolwork if her brother has had an overwhelming day. “I can’t focus on myself and I don’t have time for myself,” she said.
The teenager, who is from Carmarthenshire, described how she was once in hospital until 3am then sat a test – which went towards her GCSE grades – that same day.
Ms Thomas warned young carers do not have time to manage their own mental health, saying: “I didn’t have time for myself, I had time for my brother and sister and that was it.”
She said: “As a young carer who wasn’t noticed for a decade, it was pure manic: I had no coping skills, I had no support – and this has been going on since I was about three or four.”
Ffiôn-Hâf Scott, 18, from Wrexham, who is working while studying in sixth form, has similarly been a carer since she was four years old.
“I used to care for my mum and my sister,” she told the committee. “My sister used to be in a psychiatric ward, she was there for seven years.
“And I care for my mum because she’s diabetic, classed as disabled, has a long list of mental health issues, she has in the past suffered a stroke and had cancer.
“I don’t know how she’s still standing.”

Ms Scott said: “The main challenge right now is looking after myself and learning that you actually have to keep yourself afloat… to keep looking after someone else.
“I think for a very long time I ran on nothing because of my caring role or I didn’t think about the things I needed to do for me, so respite and things like that.”
The Welsh Youth Parliament member warned a lack of support for young carers has been normalised, saying she has had to explain herself 70 different times while aged 12.
Ms Scott said: “I remember going to my teacher and saying – we had a piece of coursework – look I can’t do this right now… you’re going to have to fail me…
“Their response was just ‘well, you have too much on your plate and you need to take things off your plate’ and I was like: it’s very bold of you to stand where you’re stood and say that to me because it’s not a choice to take on the things that we do take on.”
She recalled receiving a phone call about her mum collapsing moments before a maths test and expressed concerns about the prospect of mobiles being banned in schools.
Albie Sutton, 16, a young carer from north Wales, looks after his disabled mother by doing things such as cleaning the house, budgeting and cooking for the family every day.

Mr Sutton said: “It’s a real struggle for her to move around the house, to even do stuff like getting dressed or moving to the toilet by herself… so I’ve got to help her.”
The teenager estimated his caring role takes up about 25 hours a week and makes it difficult for him to pursue some of his hobbies such as competing in powerlifting.
“My mind feels like a hive of bees,” he said. “There’s so many things going in and out… I get home at the end of the day and I’m like ‘oh my God, I’ve got to do this, I’ve got to do that’.”
Warning of the mental stress, he added: “It’s also really difficult for me to socialise… I feel very isolated in my caring role, especially at home. I’m always housebound, I never get the opportunity even just to go out in my local town.”
Mr Sutton told Senedd Members it plays on his mind that his younger brother may have to take on responsibility. “It’s got me debating whether I can go to university,” he said.
He called for a Wales-wide campaign to raise awareness among educators and employers of the issues young carers face and how to recognise the signs.
Ms Thomas agreed: “I’ve had multiple teachers look at me and go ‘what’s a young carer, sorry?’. I’ve had pharmacists go ‘are you sure you’re a young carer?’ and it baffles me.”
Education
Primary school application deadline reminder
PARENTS or guardians of children in Pembrokeshire born between 01/09/2021 – 31/08/2022 are invited to apply for a Primary school place (Reception year group) for September 2026 by the closing date of 31st January 2026.
Applications received after this date will be considered late which may have a bearing on whether your child gets a place at your preferred school.
It is important to note that a school place will not be allocated unless a formal application is received.
The online application form can be found on the Pembrokeshire County Council website: www.pembrokeshire.gov.uk/schools-and-learning under ‘Apply for a School Place’.
There is no need to re-apply if you have already submitted an application form. You can view your current applications by logging into your My Account and into the ‘Schools & Learning’ ‘School Admissions & Transport’ section.
For further information on the school admissions process, please view our Information to Parents
Parents/guardians will be informed of the allocation of places on the common offer date of 16th April 2026.
Crime
Former Swansea headteacher banned after exposing himself to staff
A SWANSEA primary school headteacher who repeatedly exposed himself to female colleagues – both on school grounds and during a school trip – has been barred from working in education in Wales for at least fifteen years.
James “Jamie” Richards, who led Cadle Primary School between 2011 and 2021, was removed from the Education Workforce Council (EWC) register after a professional conduct panel found numerous allegations against him proven. The panel described his behaviour as “harassing, abusive and predatory”.
Richards, a father-of-two, did not attend the four-day hearing, was not represented, and did not respond to the allegations. The panel therefore treated all allegations as denied but considered them on the evidence before them.
Staff left traumatised
During the hearing, several current and former staff members gave accounts of being left “shocked”, “numb”, and “frightened” by Richards’ actions.
One woman said she was summoned to his office and found him standing next to his desk with his trousers and underwear around his ankles. Another member of staff recalled him showing explicit images on his phone during a meeting, while others described a video he displayed of himself touching his genitals.
Five women in total told the panel that Richards had exposed himself to them. Some said they had been too scared to report what happened at the time. One recalled him saying he “can’t help myself” after an incident.
The panel heard that Richards did not return a school-issued laptop during an internal investigation in 2021 – the same device he was said to have used to display naked images of himself.
One complainant told the hearing she felt “silenced” and let down after Richards was allowed to resign while the school’s internal investigation was underway. She also described feeling “unbelieved” when South Wales Police later decided there was no criminal case to answer.
Concerns over dishonesty
The panel was told that Richards had refused to participate in an independent internal investigation at the school in 2021. He claimed, via his union, that ill health prevented him from being interviewed.
However, evidence from a Swansea Council fraud team contradicted this. Investigators filmed Richards driving and playing golf with friends at a time when he was claiming he was too unwell to co-operate.
Presenting officer Sara Lewis said Richards had abused his position of trust and had told frightened staff not to speak out.
Struck off until at least 2040
The EWC panel said it had no information about Richards’ current employment or whether he planned to return to teaching. However, it concluded that his behaviour amounted to unacceptable professional conduct and that striking him off was the only appropriate outcome.
Richards cannot apply for reinstatement until November 2040. He has 28 days to appeal the decision to the High Court.
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