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I think it needs to be clarified that this (and the financial statement on application mentioned in a grandparent comment) are only correct for postgraduate study.

There's no financial statement required for undergraduates because government loans are available to all UK students. This covers tuition and living costs (albeit scaled by parental income). No family needs to "cover tuition" for undergraduates.

People don't work during term time because they are very short (8 weeks) and intense. Plenty of people had work at home during the holidays.

I guess there are some people who have on paper wealthy parents who don't contribute as much as the government thinks they should, but in general lack of familial wealth is really not a barrier to undergraduate study at Oxbridge.



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