Madmac I do have a regular income and will do throughout my studies and its a £640 a month pension The student accounts are advertised with an overdraft of £1k in first year mostly. They are fully aware that in essence im only down £300 a month on now assuming i dont get a part time job. Plus in your example, if youve loaned a mate £1000 and you heard hes just lost his job, you wouldnt go and rob it out of his assets straight away would you??

Just them being cunts IMO.

Im not a part time student - i quit full time work and start uni the following day