Exclusive: Tens of thousands of families are forced to take out loans to cover the five-week wait until their first universal credit payment – but many struggle to pay it back Get the free Morning Headlines email for news from our reporters across the world Sign up to our free Morning Headlines email Sign up to our free Morning Headlines email Email * SIGN UP I would like to be emailed about offers, events and updates from The Independent. Read our Privacy notice More than 500,000 children are