62. No part of a student’s covenant income or grant income shall be disregarded under paragraph 13 of Schedule 5 and any other income shall be disregarded thereunder, to the extent that the amount disregarded under regulation 60(2)(b) (calculation of covenant income where a contribution is assessed) or, as the case may be, 61(1)(d) (covenant income where no grant income or no contribution is assessed) is less than £20.