Back in 2012 when I just ord-ed from army, I heard of something called student loans to pay for uni... at 0% interest holyshitwhat. Of course there were a few catches such as

• Its only interest free when you study
• It only covers up to 90% of your fees
• They don't give out the cash, the money goes directly to the school to pay for the fees

Also I wasnt smart enough to get a scholarship (taken from dbs website)

Current amount I owe (+7.5k more when my final year ends)

As the money from the loan doesn't go directly to you but to the uni instead, it stops you from doing 'funny stuff' with the money. But luckily my mum was on hand with spare cash, which could be used for the funny stuff instead So instead of just borrowing from my mum, to pay for Uni and ......