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
Pembrokeshire free school transport call to be heard at County Hall
A CALL to allow school pupils from Johnston and Tiers Cross access to free school transport to the nearby Haverfordwest high school is to be heard by councillors next week.
Due to a change in catchment areas the pupils are no longer able to access free transport to Haverfordwest, instead coming under the Milford Haven catchment area.
A petition calling for the reinstatement of the former catchment area to access free transport for pupils to Haverfordwest was recently started in the county.
The e-petition, which ran from September 18-November 1 on the council’s own website, attracted 351 signatures, meeting the threshold for a debate at the relevant Pembrokeshire County Council overview and scrutiny committee, in this case the Schools And Learning Overview And Scrutiny Committee meeting of November 28.
The petition, started by Kirsty Coaker, reads: “We call on Pembrokeshire County Council to change Johnston and Tiers Cross School Catchment back to Haverfordwest.
“Children of Johnston and Tiers Cross are now ineligible for free school transport to Haverfordwest High due to the areas no longer being in ‘catchment’.
“Both Johnston and Tiers Cross are Haverfordwest postal codes and are classed as Haverfordwest, yet the school catchment is Milford Haven.
“Please help our children access suitable transport to and from secondary school.”
The e-petition will now be considered at the November 28 meeting.
Education
Creative contributions in Operation Ivydene ASB poster competition
STUDENTS from across Carmarthenshire, Ceredigion, Pembrokeshire and Powys have been recognised for their outstanding contributions to a poster competition run as part of the Dyfed-Powys Police Operation Ivydene initiative.
Over the past few months, primary and secondary schools across the four counties were invited to submit designs highlighting the impact of anti-social behaviour (ASB) and the importance of promoting safer neighbourhoods.
Last week, the posters were judged by a panel of police officers and crime prevention specialists to come up with the winners.
A special prize-giving ceremony was held on Monday 18th November, where the five winning students were honoured for their outstanding contributions.
‘Antisocial behaviour’ is a broad term which includes behaviour that has caused or is likely to cause harassment, alarm or distress to a member or members of the public. Criminal and non-criminal behaviours such as littering, vandalism, public drunkenness, aggressive dogs, or noise nuisance may also be considered ASB.
Caryl Griffiths, ASB Hotspot Co-ordinator for Dyfed-Powys Police said: “The goal of this competition was to engage students in understanding the effects of anti-social behaviour on their communities, and to inspire them to think about how they can contribute to a safer, more supportive environment.
“Judging the competition was challenging due to the high standard of entries, but we ultimately selected five winners who showed exceptional creativity and thoughtfulness.
“A special thanks to Bethan James, our Schools Service Manager, for her role in bringing all the schools together.
Until March 2025, ten of the areas worst hit by antisocial behaviour across Carmarthenshire, Ceredigion, Pembrokeshire, and Powys will receive additional dedicated ‘Hotspot’ police patrols through Operation Ivydene, thanks to an injection of cash from the Home Office, secured for the force by Police and Crime Commissioner Dafydd Llywelyn.
The patrols focus on tackling these types of issues in the following areas:
- Carmarthenshire – Tyisha, Elli / Llanelli town centre, Carmarthen town and Ammanford.
- Ceredigion – Aberystwyth and Aberaeron.
- Pembrokeshire – Haverfordwest town centre and Tenby town centre.
- Powys – east Newtown and Brecon.
Inspector Darren Crockford said: “Operation Ivydene is a targeted initiative that uses a ‘Hotspot’ policing approach to address and behaviour that constitutes ASB and causes harm and alarm in the community.
“Hotspots have been selected as the areas experiencing the highest volumes of violence and antisocial behaviour (ASB) offences and based on local intelligence.
“The patrols aim to provide a reassuring presence to help people feel safe while also proactively disrupting crime and acting as a deterrent.
“An important element of the overall Operation Ivydene approach will be to engage with our communities having meaningful discussions about how ASB impacts the community, and encourage them to take an active role in creating safe and positive places to live.”
Bethan James, Dyfed-Powys Police Schools Service Manger added: “Our Schools Service offers crime prevention sessions to children and young people on topics such as ASB where we use bespoke films and real-life examples to reflect victims’ experiences and explore the boundaries between fun and fear.
“Sessions delivered by our team of Schools Police Officers are specifically designed to challenge mindsets and attitudes in a safe and supportive learning environment.
“The discussions between the officers and the learners explore the long-lasting, harmful effects of ASB, about crimes and consequences and where children can find advice and support.”
During national Anti-Social Behaviour Week, Dyfed-Powys Police is sharing information to help members of the public recognise, report, and get support for anti-social behaviour. Follow them on Facebook for more information.
Charity
‘Grave concerns’ over national insurance hike
SENEDD Members expressed grave concerns about the impact of the UK Government’s national insurance tax hike on GPs, universities and charities in Wales.
Plaid Cymru leader Rhun ap Iorwerth warned the rise in employer national insurance contributions from 13.8% to 15% in April will have a disproportionate impact in Wales.
He told the Senedd: “Labour are quick to accuse others of fantasy economics whilst their own plans represent nightmare economics for thousands of employers and employees.”
Raising concerns about the impact on job creation and wages, he said employment levels are at their lowest for almost a decade – lower than anywhere else in the UK.
He accused Labour of breaking a manifesto pledge as he pointed to an Office for Budgetary Responsibility (OBR) assessment that three quarters of the cost will be passed to workers.
Leading a debate on November 20, Mr ap Iorwerth called on the UK Treasury to fully cover the added cost to public sector employers in Wales.
He said: “It’s not the private sector only … bearing the brunt. Charities, GPs, universities – sectors already feeling the squeeze, to say the very least – have been taken to the brink.”
He pointed to “eye-watering” bills of £90,000 for some GPs, with the British Medical Association warning some surgeries could close as a consequence.
Mr ap Iorwerth said mental health charity Plattform faces a £250,000 annual bill and Welsh universities, “already crippled by financial challenges”, will face significant further pressures.
Plaid Cymru’s motion urged Welsh ministers to press the UK Government to apply a wider definition of the public sector workforce to include universities, GPs and charities.
Peter Fox, the Conservatives’ shadow finance secretary, similarly accused Labour of breaking a manifesto commitment not to raise tax on working people.
The former council leader said: “Time and time again – the chancellor went on TV and made the claim, only to u-turn after they got into power.”
Mr Fox, who represents Monmouth, said even a 1% rise in employer national insurance contributions for the public sector would cost Welsh taxpayers an extra £100m.
He told the Senedd: “The UK Government has said that it will provide funding to cover the cost of national insurance contributions for those workers.
“However, this will still come out of the taxpayer’s pocket … ultimately it is the taxpayers who are going to pay for the Chancellor’s tax increase.”
Luke Fletcher, Plaid Cymru’s shadow economy secretary, warned the national insurance rise will be a drag on an “already anaemic” Welsh jobs market.
His colleague Sioned Williams, who also represents South Wales West, described the chancellor’s “back-of-a-fag-packet” plans as senseless.
She raised concerns about six-figure increases in tax bills for charities including Tenovus, Marie Curie, Citizens Advice Cymru and the Wastesavers Charitable Trust.
Cefin Campbell, Plaid’ Cymru’s shadow education secretary, said the national insurance increase will cost Welsh universities an estimated extra £20m a year.
The Mid and West Wales MS warned: “Without a shadow of a doubt, these additional costs could push our higher education institutions over the precipice.”
Labour’s Hefin David said difficult decisions had to be made to fill a £22bn “black hole” left by the Tories but he rejected Plaid Cymru claims of a return to austerity.
Dr David told the Senedd: “Yes, tough decisions have to be made but I think that in the longer term, this is to everyone’s benefit.”
Andrew RT Davies, leader of the Conservative opposition, disputed the “incorrect” £22bn figure, saying the OBR found a £9bn gap.
Replying to the debate, Mark Drakeford stressed that neither he nor the Welsh Government has responsibility for national insurance contributions.
Wales’ finance secretary, who was appointed in September, criticised “fantasy economics” from opposition members on the Plaid Cymru and Conservative benches.
Deriding the “politics of the playground”, he said: “Both of them are willing to spend money on almost anything; neither of them are willing to raise the money necessary from anyone.”
Prof Drakeford said the chancellor returned national insurance broadly to where it had been as a share of gross domestic product for 13 of the 14 Conservative years.
The former First Minister pointed out that the UK Government offset national insurance rises on small employers by more than doubling the employment allowance.
He told the debating chamber or Siambr: “If you want to pay for things, you have to find the money to do so. That is what the chancellor had to do. That is how we will get the money that will come to public services here in Wales.”
Senedd Members voted 25-19 against Plaid Cymru’s motion.
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