英国留学硕博士贷款.doc

英国留学硕博士贷款

和国内大学学费相比，英美国家的高等教育学费要高很多，因此即便在英国美国这样的发达国家，也有上不起大学的。当然，相应地，它们也有学生贷款。那么英国大学的贷款计划是怎样的呢?针对自己国家的贫困大学生，英国政府怎么安排?下面就和来看看吧!

Non means-tested loans of up to a maximum of ￡10,000 are available to taught and research Master's students. For PhD-level students, a maximum of ￡25,000 will be available.

授课型硕士生和研究型硕士生可以享受高达1万英镑的免入息审查货款。博士生可以享受2.5万英镑贷款。

Postgraduate Loans

Postgraduate loans are available to UK Nationals (ordinarily resident in the UK and Islands), EU, EEA or Swiss nationals ordinarily resident in the EU, EEA or Switzerland.

Applicants are not eligible for PGL if they have outstanding student loan arrears or have previously been found to be

‘unfit’ for student support.

一、研究生贷款

研究生贷款面向英国公民(常住在英国和不列颠群岛)、欧盟成员国公民以及常住在欧盟成员国、欧洲经济区或瑞士的瑞士公民开放。欠款数额大或先前发现“不符合”学生支助的申请人，不能申请研究生贷款。

Course Eligibility

Non means-tested loans of up to ￡10,000 per course are made available to students applying to taught and research Master's courses. PhD students are funded through a separate scheme.

Loans are available to students under the age of 60 studying full-time, part-time (at least 50% of a full-time course) or on distance-learning courses.

Loans are available to students across all discipline areas.

课程资格

申请授课型硕士课程和研究型硕士课程的学生，每门课程可以申请高达1万英镑的免入息审查货款。博士生基金由单独的计划提供。

年龄在60岁以下且学习全日制、非全日制(至少上一半的全日制课程)和远程教育课程的学生，均可申请贷款。

所有学科学生都可以申请贷款。

The loan is considered to be a contribution towards the costs of postgraduate study and is not available if you already have a Master's qualification.

Postgraduate funding is considered a devolved matter for Scotland, Wales and Northern Ireland. Therefore loans are only available for students ordinarily resident in England.

贷款针对研究生学习费用，因此不适用于已持有硕士资格证书的学生。研究生基金是苏格兰、威尔士、北爱尔兰的下放问题，因此贷款只适用于常居在英格兰的学生。

Payment of Loan

Payments of PGL are made in three equal instalments per academic year: course start date, 4 months and 7 months after start date.

Payments are released following receipt of confirmation from the HE Provider that the student is in study and on track to complete the course within the specified course duration.

研究生贷款每个学年分三期支付：开课的时候、开课后的四个月、开课后的七个月。

贷款根据学生所在的高等教育机构开具的收据发放，供学生完成特定课程的学习。

Repayments

Repayments will be on an income-contingent basis commencing on 6th April 202X with repayments taken via HMRC.

The UK repayment threshold will be ￡21,000 in tax year

202X/20. Those who are repaying from overseas will have a threshold applied which is based on the cost of living in their country of residence.

Postgraduate loan repayments will be paid concurrently with undergraduate loan repayments, at a rate of 6% of annual income over ￡21,000. Your undergraduate and postgraduate loans will be two separate loans.

Interest will be charged at RPI + 3%.

还款

还款以收入比例为基础，计划于202X年4月6日启动，届时，还款将通过英国税务及海关总署实施。

英国偿还起点在纳税年度202X-20为2.1万英镑。对于海外还款的学生，起点将以学生所在国家的生活成本为基础。

研究生贷款还款和本科生贷款还款同时进行，还款比例为年薪减去2.1万英镑之后余下部分的6%。研究生贷款和本科生贷款属于两个独立的贷款。

利息按零售物价指数加三个百分点收取。

The final details of the PhD loan scheme have yet to be anounced, although the plan is for loans of up to ￡25,000 to be available without means-testing.

The government's proposal states that loans will be

available to students who are:

English-resident UK nationals

Aged under 60

Studying at any UK university

Not already in receipt of any Research Council funding

Repayment terms will be in line with those for master's-

level postgraduate loans - you will pay 6% of any earnings over ￡21,000.

二、博士贷款

博士贷款计划的最终详细信息有待公布。计划可贷高达2.5万英镑的免入息审查货款。

根据政府提议，符合以下条件的学生可以申请博士贷款：

英国国籍

在英国上大学的学生

年龄在60岁以下

尚未收到任何研究委员会基金

博士还款和硕士还款一样——按年薪减去2.1万英镑之后余下部分的6%还款。

Student Application Process - PG Loan Scheme

Does the PG declaration allow a digital signature?

For Application Year 16/17 a signature is required, but the Student Loans Company are working with the Department for Business, Innovation and Skills (BIS) regarding acceptance of a digital signature in the future.

Are all PG students including EU students able to apply online?

Yes, all students including EU students can apply online. There is also an application form that you can download and print.

三、学生申请流程——研究生贷款计划

研究生贷款允许数字签名吗?

202X-17学年的申请需要手写签名，不过学生贷款公司正在和商务创

新技术部协调，考虑在未来接受数字签名。

所有研究生包括欧盟成员国研究生都可以线上申请吗?

是的，包括欧盟成员国在内的所有学生都可以线上申请。有申请表供你下载打印。

Are students able to undertake an eligibility check before they apply?

There is not a specific tool to check eligibility, but introductory screens provide detail and guidance on eligibility.

Do students retain the same SSNs and CRNs from Undergraduate to Postgraduate?

Yes.

Do students see or choose a qualification?

Students see postgraduate courses as entered via the Courses Management Service, the qualification is either Research Masters or Taught Masters.

申请之前，学生自己可以做资格审核吗?

没有用于资格审核的特定工具，不过有屏幕说明为你提供关于资格审核的详细信息和指导。

本科升硕士，SSNs和 CRNs 还一样吗?

是的。

可以看和选择证书吗?

通过课程管理服务进入系统，可以查看研究生课程。证书分为研究型硕士和授课型硕士。

Does the application have a maximum loan box?

Yes, there is a maximum loan tick box for both Year 1 and Year 2.

This is currently under review, with an intent to bring the application date forward, although there is no decision to date.

Will the application date of Summer 202X be brought forward in future years ie 202X onwards?

We would encourage students to apply as soon as possible, in line with the Summer 202X launch.

Students can apply using their preferred choice of Provider and course. (It is not necessary to hold an offer).

申请有最大贷款选框吗?

是的，第一学年和第二学年都有最大贷款复选框。

不过目前还在审查中，意图是推出申请日期，申请日期也还没有决定。

202X年夏季申请日期在接下来的几年(比如202X年)会提前吗?

学校建议学生尽早申请。

可以使用自己喜欢的Provider申请课程。不必持有录取通知书。

Payment and Repayment of PG Loan

If a student has either outstanding repayment arrears or an outstanding UG grant overpayment on their account, will future Postgraduate Loan payments be blocked until arrears are cleared?

Grant - Grant overpayments do not affect any future loan eligibility including Postgraduate Loan.

四、研究生贷款发放与还款

如果学生有数额较大的欠款，或者账户里有多付的本科拨款款项，那么研究生贷款发放会受到影响吗?是否需要付清欠款才会发放?

拨款——多付的拨款款项不影响将来的贷款资格，包括研究生贷款。

Arrears - Applicants are not be eligible for PGL if they have outstanding arrears on any Higher- or Further Education loan balance. Once the arrears have been paid in full, the applicant can apply for Postgraduate Loan.

Overpayment - if a student owes an outstanding loan overpayment from a previous course of study, this overpayment

is deducted from PGL entitlement unless the student can prove financial hardship.

欠款——如果在Higher或继续教育阶段欠下数额大的还款，那么就

没有资格申请研究生贷款。一旦欠款全部付清，就可以申请研究生贷款。

多付的款项——如果在先前课程学习中欠下数额大的款项，那么就没有资格申请研究生贷款，除非可以提供经济困难证明。

Students are asked to provide details of two main contacts when submitting their application, in what context is this data be held /utilised?

Students are requested to provide details of two contacts residing at different addresses from each other as part of the loan application process. SLC use details of an individual we can contact if we lose touch with the student.

提交申请的时候需要提供两个主要联系人的联系方式，这样有什么用吗?

作为贷款申请流程的一部分，学生需要提供两个居住地址不同的联系人的联系方式。这样便于学校在联系不上学生的时候可以联系其他人。

We understand the repayment process will be in place from AY19/20, will income assessment relate only to earnings from

19/20 onwards?

PGL is a not a means-tested product therefore income details are not required for assessing. From a repayment perspective, Postgraduate Loans will be repaid under income contingent repayment terms. The Statutory Repayment Due Date (SRDD) for PGL balances (full-time and part-time) will be 6th April following the course end date (or the withdrawal date where the student withdraws from the course). However no PGL balances

will enter repayment status until 6 April 202X at the earliest, even where the student completes or withdraws from the course prior to that date.

还款从202X-20学年开始，那么收入评估也是从202X-20的收入开始吗?

研究生贷款属于免入息审查货款，因此评估对收入细节不作要求。从还款的角度看，研究生贷款按收入比例偿还。研究生贷款(包括全日制和非全日制)的法定还款合理日期为4月6日(或者为退课日期)，与课程结束日期(退课日期)一致。不过，在202X年4也6日之前，不强制要求还款，即便提前完成课程或中途退课。

Part-time courses studied over three or four years will enter repayment status on 6 April following the second academic year of the course; however, the student will only make mandatory repayments where their income is above the repayment threshold.

非全日制课程时长为三年或四年的，从课程的第二学年4月6日起就需要还款。不过，只有在学生的收入高于还款起点时，才强制要求还款。

If doing a course that is 3 or 4 years when do the repayments start?

The Statutory Repayment Due Date (SRDD) for PGL balances (full-time and part-time) will be 6 April following the course end date (or the withdrawal date where the student withdraws from the course, with or without a lower qualification).

However no PGL balances will enter repayment status until 6 April 202X at the earliest, even where the student completes or withdraws from the course prior to that date.

The 'course end date' for Master's courses will be taken as the last day of the academic year (the second academic year where the course lasts two years or more).

如果学的是三年制或四年制课程，那么还款什么时候开始?

研究生贷款(包括全日制和非全日制)的法定还款合理日期为4月6日(或者为退课日期)，与课程结束日期(退课日期)一致。不过，在202X年4也6日之前，不强制要求还款，即便提前完成课程或中途退课。

硕士课程的“课程日期”为学年的最后一天。(如果课程时长在两年及以上，则为第二学年。)

Will the different repayment plans be shown separately on payslips?

The current proposal is that PGL will show as a separate deduction from any HE loan deductions on payslips. Further detail will be provided once confirmed.

Are students able to make voluntary payments prior to

AY19/20?

Yes, a borrower can make voluntary repayments to their PGL balance at any time without charge or penalty, either before or after the loan balance has entered repayment status.

不同的还款计划会在工资单上面分别写明吗?

当前的提议是，研究生贷款单独从高等教育贷款工资单上扣除。详细规定一旦确定会有告知。

在202X-20学年之前，可以志愿还款吗?

可以。贷款人可以随时志愿还款，不收取额外费用或罚金，在贷款余额满足还款条件的前后都可以志愿还款。