Hi there, I am coming up to my 4 year point and I am looking at either being MD or signing off. I have just completed my first year of Open University and I have found out about the HE/FE Scheme. Does this scheme still cover my 2nd and 3rd year costs because I have completed my first year? And if so, will I still have 1 claim of my 3 left at the end of my degree? I also heard if I use my 3 ELC claims of £1000, I can also then claim for the HE/FE Scheme and not lose out on my ELC claims? Any truth in this? Thank you, Stephen.