Hi,
I have been in exactly the same position this week, also sat in tears with the forms all around me.
My OH earns about the same as yours and we have 4 kids to put into childcare too. They are very unrealistic about the expenses, like you say we only just get by after paying mortgage, insurances, bills, cars and food etc, etc.
The only thing we can do is try. I wish you lots of luck with your course and hope it all works out x x

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Mummy to 4 and lovin it!