Change how Universal Credit is calculated for those receiving student income

Many lone parent students, indeed any student, can find themselves in a position where they are up to £300 a month worse off under UC than under tax credits because of the current guidance on student income. We take out student loans out to fund our education to help us get to a position where we no longer require in work benefits and instead of being encouraged we are penalised. They don’t acknowledge bank loans as income so why are student loans deducted so harshly for calculation purposes!