Stress affects everyone, particularly in the build up to exams, job interviews and when pressure mounts at work.

At Weston College, our expert Welfare Team is on hand to help you if you are worried about your stress levels or other mental health issues.

Here are some of the top tips our Welfare Team give to combat stress…

Start a diary

Writing about your day will help you to identify things that make you feel stressed. You’ll probably be surprised to find that a pattern soon emerges; and this may be linked to time pressure, personality clashes, inappropriate demands or simply trying to do too many things at once. Keeping a diary will help you to blow off steam in a productive way.

Talk to someone

Talk through your diary with a good friend or someone at College - even the act of discussing things often makes you feel better. The College’s Welfare Team is on hand to help our students and offers impartial advice to ease the problems that you’ve discovered.

Learn how to relax

Practise deep-breathing techniques. Breathe in while counting to five; hold your breath for five seconds then breathe out slowly. Repeat this 10 times when feeling stressed, concentrating on nothing but your breathing. You can relax your neck muscles by keeping your shoulders level and trying to touch each shoulder with your ear.

Take time out

For five minutes every hour try to chill out and think of nothing but your perfect situation. This could be a dream holiday, ideal partner or simply thinking about doing nothing at all. You will be surprised at how effectively this can lower stress levels.

Exercise regularly

You do not have to be a gym freak to get the stress-beating benefits of exercise. Even 20 minutes of brisk walking three times a week will help to reduce stress as well as promoting restful sleep.

Plan breaks in your day

The aim here is to allow time for the unexpected. Get up 15 minutes earlier than you think you need to and prepare for the day without rushing. Even better, get things ready the night before. Try to have 20 minutes in which you can do whatever you want, even if it is simply sitting doing nothing.

Things to avoid

Smoking and drinking alcohol may appear to help you deal with the effects of stress in the short term, but in the long run they both lead to more tension and anxiety, and can easily lead to dependence. When smokers say that smoking helps them relax, it is because it alleviates the effects of their smoking addiction.

We have been using Weston College for our apprenticeship program for the last three years now. Weston College has been extremely helpful with this process and we have always been impressed by the candidates that they have given us.

The process worked very well as a representative from Weston College came and met with us to learn about our business and the office environment that we run. They then sent us CVs for candidates they felt would be suitable in our required role and we handpicked candidates from these for interview.  We started off by offering a traineeship program to the successful candidate which lasted four weeks, this allowed us to analyse their suitability for an apprenticeship and to see if they would fit in with the culture of the business.

It is very difficult to judge a candidate from an initial interview as some candidates may not be confident in a formal interview yet could be very confident and capable in a team environment. This initial four-week program also allows the candidate to decide if our work place is the correct choice for them rather than just going for an interview, accepting the job and then finding that they don’t feel comfortable in that work place.

We were very sceptical when we first took on an apprentice due to their age and maturity, however, I am pleased to say that they have exceeded our expectations at every level.

It is important to us that the candidates are smart, conscientious, hard-working and willing to learn. We strongly believe that you get out what you put in, which is why we expect the apprentices to show commitment to us and in return we will show commitment to them. We believe in continual training and upskilling our staff, even after the apprenticeship has finished, allowing the candidate to be successful in their chosen career.

We have found the apprenticeship program extremely beneficial to our business as it has allowed us to mould them into the role we required within the business. 

Two of our apprentices have passed their qualifications on time and the third is due to finish this month. We have been so impressed with our apprentices that we have offered them full time employment and they are now very valuable members of our team.

One of our apprentices has gone on to become a fully qualified Mortgage Adviser and the other is now a full qualified Will Writer.

We would highly recommend the apprenticeship program and Weston College.

Nick Barnes,

Director

EveryStep Financial

For prospective university students and their parents, the costs and loans associated with university can be daunting and confusing. Many news articles obscure this further by presenting misleading information.

An article on FE News  recently analysed research from the bank ‘B’. The article refers to a series of statistics which creates the overall impression that students are in the dark with regard to student finance which is causing a series of issues.

1. Students will not earn enough to repay their debt
2. A quarter of students believe they will be bankrupt before they turn 30
3. 38% of students don’t know how much they will owe
4. 75% don’t know how much they will repay
5. 52% don’t know when they will make repayments
6. 80% don’t have a plan to manage their finances

The majority of these statistics and theories feed into the idea that all students going to university are going to be saddled with mountains of debt and that they will be faced with eye-watering and financially damaging repayments.

In reality the student finance system is far more supportive and the repayment mechanisms in place recover a proportion of the debt in a way which is financially sustainable for the graduate.

The idea that many students will not repay their debts might well be correct, but perhaps not to the extent that you would expect.

The Financial Times found that “About 70 percent of students who left university last year are expected never to finish repaying their loans, according to modelling carried out by the Institute for Fiscal Studies. Instead they will have to make repayments for 30 years before then having the unpaid loan written off".

The current system of student finance has a time limit on the repayments, this does not mean that 100% of the loan has to be repaid before the end of the term, but rather than any remaining debt on the account at that point is cleared in full.

At present, this term is set at 30 years from the April after the student graduates from university, therefore the misconception that students will be saddled with this debt for life is incorrect and it is unlikely that the majority of graduates will repay the loan in full.

The claim that a third of students believe that they will be bankrupt by the age of 30 stems from a deep seeded misunderstanding with how the student finance system works. To explore why this will, most likely, not be the case it is necessary to look at the amounts students will owe and how and when will graduates make their repayments.

In the present system the most a university can charge for tuition fees is £9,250 (a total of £27,750 over three years). In addition to this fee, students are able to apply for a means-tested maintenance loan, which if moving away from the parental home and not studying in London could add an extra £8,700 per year, or £26,100 over three years, to the total figure owed by students. The total amount which could be owed by a learner is £53,850 (based on 2018 figures with student moving away from home and not to London).

In addition to the total loan amount, there is interest from the day the first payment is made at a rate of the Retail Price Index (RPI) plus 3%. At present RPI is set at 3.1% and is a variable rate which is taken every March for the following year’s calculations. Therefore the amount that graduates owe is set to rise each month.

Graduating students do have the potential to owe over £50,000 in student loan debt when they graduate, this is undeniably a huge amount of money and if it were a regular loan would likely see the monthly repayments of up to £400 over a 25 year period.

This is where a comparison with a standard loan ends as student debt needs to be considered as something entirely different, this is what is often difficult for students and their parents/carers to understand. The mechanisms for repaying the student debt does not differ based on the amount borrowed, the terms of repayment are the same for all graduates.

Graduates will start to repay their loan as of the April after they graduate from university, or when they leave their course. Repayments will only begin once the graduate is earning above the threshold which is currently set at £25,000. Therefore any graduate who does not earn above this threshold will not make any repayments on their student debt.

Once a graduate is earning above the threshold they will make repayments on any amount over this threshold, which will be taken directly from their pay at a rate of 9% (for example if the graduate earns £26,000 they will repay 9% of £1,000 which would amount to repaying £90 in that tax year).

This mechanism for repayment is there to ensure that graduates are able to make affordable repayments on their student loan and graduates will not have to manage this debt as it is taken through their pay packets.

Therefore in comparison with a standard debt, which might see an annual repayment of £4,800 per year on a £50,000 loan, the student loan repayments are far more sustainable at 9% of earnings over £25,000 and the remaining debt at the end of the 30 year term is written off entirely.

In reality, the notion that almost a quarter of students believe that they will be declared bankrupt by the time they are 30 is likely a misconception based on misunderstanding the student finance system and the schedule of repayments.

Better representation and information in the media would act to provide a widespread education on student finance to alleviate students who feel anxious about repaying the money they are borrowing for higher education.

Many of the misconceptions about student finance are rooted in a lack of understanding of how student finance works and more positive actions by the media need to be taken to create some widespread change in the way that people regard student debt. It may be that extensive PR needs to take place or a ‘rebranding’ of what it is called to get away from the negative connotations with the word ‘debt’.

Students, and their parents/carers, need to be made aware of the positive aspects of the student finance system and they need to be completely aware of how much they will owe, how and when they will make the repayments and how long the term of the debt is. If this information is successfully communicated in the media then it may act to alleviate the anxiety felt by students so that they can understand that yes they have student debt, but that it will most likely not bankrupt them as their weekly/monthly repayments are always proportionate to their earnings and not to the amount they owe.

Hamish Gilpin, UCAS Lead, Weston College