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Merge pull request #1587 from PolicyEngine/fix-560-maintenance-loans-followup
Tighten maintenance loan proxy logic
2 parents 78e2550 + ff4a6ce commit 181afd2

13 files changed

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‎changelog.d/maintenance-loan-proxy-fixes.fixed.md‎

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Fix maintenance loan proxy logic to require explicit higher-education evidence and improve sponsor-income assessment.

‎changelog.d/maintenance-loans.added.md‎

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- Add an approximate England full-time maintenance loan model, with explicit override inputs for living arrangement and assessed household income.

‎policyengine_uk/tests/policy/baseline/gov/dfe/maintenance_loans/maintenance_loan.yaml‎

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output:
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maintenance_loan: [0]
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- name: Maintenance loan - missing higher-education input does not use age fallback
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period: 2025
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input:
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people:
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student:
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age: 19
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benunits:
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benunit:
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members: ["student"]
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households:
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household:
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members: ["student"]
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country: ENGLAND
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output:
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maintenance_loan_eligible: [false]
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maintenance_loan: [0]
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- name: Maintenance loan - explicit current-year non-HE overrides in_HE flag
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period: 2025
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input:
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people:
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student:
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age: 21
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current_education: POST_SECONDARY
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in_HE: true
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benunits:
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benunit:
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members: ["student"]
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households:
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household:
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members: ["student"]
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country: ENGLAND
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output:
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maintenance_loan_in_higher_education: [false]
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maintenance_loan_eligible: [false]
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maintenance_loan: [0]
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- name: Maintenance loan living arrangement proxy detects parental household
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period: 2025
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input:
@@ -165,6 +202,307 @@
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maintenance_loan_living_arrangement: [AWAY_OUTSIDE_LONDON, LIVING_WITH_PARENTS]
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maintenance_loan_household_income: [30_000, 32_000]
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- name: Maintenance loan proxy ignores older HE adults as sponsors
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period: 2025
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input:
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people:
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older_student:
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age: 26
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in_HE: true
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adjusted_net_income: 20_000
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is_household_head: true
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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older_student_benunit:
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members: ["older_student"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["older_student", "student"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_has_sponsor: [false, false]
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maintenance_loan_sponsor_income: [0, 0]
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maintenance_loan_household_income: [20_000, 5_000]
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- name: Maintenance loan proxy ignores ambiguous 25-29 adults without explicit education evidence
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period: 2025
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input:
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people:
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older_adult:
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age: 26
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adjusted_net_income: 20_000
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is_household_head: true
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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older_adult_benunit:
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members: ["older_adult"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["older_adult", "student"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_has_sponsor: [false, false]
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maintenance_loan_sponsor_income: [0, 0]
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maintenance_loan_household_income: [20_000, 5_000]
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- name: Maintenance loan household income proxy includes younger sponsor adults
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period: 2025
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input:
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people:
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parent:
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age: 29
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 30_000
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is_household_head: true
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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parent_benunit:
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members: ["parent"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["parent", "student"]
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country: ENGLAND
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output:
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maintenance_loan_sponsor_income: [0, 30_000]
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maintenance_loan_has_sponsor: [false, true]
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maintenance_loan_household_income: [30_000, 35_000]
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- name: Maintenance loan sponsor proxy uses nearest older sponsor benunit
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period: 2025
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input:
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people:
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grandparent:
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age: 62
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 40_000
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is_household_head: true
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parent:
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age: 45
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 30_000
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is_household_head: false
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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grandparent_benunit:
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members: ["grandparent"]
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parent_benunit:
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members: ["parent"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["grandparent", "parent", "student"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_sponsor_income: [0, 0, 30_000]
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maintenance_loan_household_income: [40_000, 30_000, 35_000]
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- name: Maintenance loan sponsor detection survives zero sponsor income
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period: 2025
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input:
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people:
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parent:
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age: 45
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 0
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is_household_head: true
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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parent_benunit:
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members: ["parent"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["parent", "student"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_has_sponsor: [false, true]
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maintenance_loan_living_arrangement: [AWAY_OUTSIDE_LONDON, LIVING_WITH_PARENTS]
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maintenance_loan_household_income: [0, 5_000]
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- name: Maintenance loan sponsor income sums both parents in the same sponsor benunit
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period: 2025
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input:
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people:
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parent_1:
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age: 45
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 30_000
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is_household_head: true
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parent_2:
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age: 43
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 20_000
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is_household_head: false
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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benunits:
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parent_benunit:
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members: ["parent_1", "parent_2"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["parent_1", "parent_2", "student"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_sponsor_income: [0, 0, 50_000]
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maintenance_loan_household_income: [50_000, 50_000, 55_000]
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- name: Maintenance loan household income proxy does not double count partner income
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period: 2025
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input:
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people:
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parent:
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age: 45
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 30_000
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is_household_head: true
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student:
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age: 20
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current_education: TERTIARY
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adjusted_net_income: 5_000
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is_household_head: false
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partner:
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age: 21
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 10_000
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is_household_head: false
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benunits:
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parent_benunit:
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members: ["parent"]
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student_benunit:
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members: ["student", "partner"]
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households:
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household:
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members: ["parent", "student", "partner"]
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country: ENGLAND
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output:
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maintenance_loan_household_income: [30_000, 15_000, 15_000]
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- name: Maintenance loan proxy treats lone parents as independent
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period: 2025
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input:
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people:
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grandparent:
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age: 55
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 25_000
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is_household_head: true
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student:
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age: 21
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current_education: TERTIARY
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adjusted_net_income: 6_000
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is_household_head: false
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is_parent: true
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child:
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age: 1
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is_child: true
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benunits:
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grandparent_benunit:
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members: ["grandparent"]
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student_benunit:
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members: ["student", "child"]
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households:
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household:
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members: ["grandparent", "student", "child"]
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country: ENGLAND
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region: NORTH_WEST
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output:
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maintenance_loan_living_arrangement: [AWAY_OUTSIDE_LONDON, AWAY_OUTSIDE_LONDON, AWAY_OUTSIDE_LONDON]
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maintenance_loan_household_income: [25_000, 6_000, 6_000]
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- name: Maintenance loan proxy does not treat older renters as parents
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period: 2025
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input:
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people:
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flatmate:
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age: 40
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 25_000
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is_household_head: true
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student:
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age: 20
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current_education: TERTIARY
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adjusted_net_income: 4_000
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is_household_head: false
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benunits:
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flatmate_benunit:
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members: ["flatmate"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["flatmate", "student"]
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country: ENGLAND
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region: LONDON
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tenure_type: RENT_PRIVATELY
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output:
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maintenance_loan_living_arrangement: [AWAY_IN_LONDON, AWAY_IN_LONDON]
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maintenance_loan_household_income: [25_000, 4_000]
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- name: Maintenance loan household income proxy keeps sponsor income when arrangement is set away from home
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period: 2025
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input:
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people:
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parent:
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age: 45
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current_education: NOT_IN_EDUCATION
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adjusted_net_income: 30_000
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is_household_head: true
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student:
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age: 19
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current_education: TERTIARY
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adjusted_net_income: 5_000
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maintenance_loan_living_arrangement: AWAY_OUTSIDE_LONDON
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is_household_head: false
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benunits:
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parent_benunit:
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members: ["parent"]
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student_benunit:
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members: ["student"]
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households:
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household:
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members: ["parent", "student"]
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country: ENGLAND
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output:
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maintenance_loan_household_income: [30_000, 35_000]
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- name: Full-time maintenance loan - 2026 full rate uprates to latest published schedule
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period: 2026
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input:

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