和國內(nèi)大學學費相比，英美國家的高等教育學費要高很多，因此即便在英國美國這樣的發(fā)達國家，也有上不起大學的。當然，相應(yīng)地，它們也有學生貸款。那么英國大學的貸款計劃是怎樣的呢?針對自己國家的貧困大學生，英國政府怎么安排?下面就和出國留學網(wǎng)來看看吧!
    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.
    授課型碩士生和研究型碩士生可以享受高達1萬英鎊的免入息審查貨款。博士生可以享受2.5萬英鎊貸款。
    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、研究生貸款
    研究生貸款面向英國公民(常住在英國和不列顛群島)、歐盟成員國公民以及常住在歐盟成員國、歐洲經(jīng)濟區(qū)或瑞士的瑞士公民開放。欠款數(shù)額大或先前發(fā)現(xiàn)“不符合”學生支助的申請人，不能申請研究生貸款。
    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.
    課程資格
    申請授課型碩士課程和研究型碩士課程的學生，每門課程可以申請高達1萬英鎊的免入息審查貨款。博士生基金由單獨的計劃提供。
    年齡在60歲以下且學習全日制、非全日制(至少上一半的全日制課程)和遠程教育課程的學生，均可申請貸款。
    所有學科學生都可以申請貸款。
    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.
    貸款針對研究生學習費用，因此不適用于已持有碩士資格證書的學生。研究生基金是蘇格蘭、威爾士、北愛爾蘭的下放問題，因此貸款只適用于常居在英格蘭的學生。
    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.
    貸款支付
    研究生貸款每個學年分三期支付：開課的時候、開課后的四個月、開課后的七個月。
    貸款根據(jù)學生所在的高等教育機構(gòu)開具的收據(jù)發(fā)放，供學生完成特定課程的學習。
    Repayments
    Repayments will be on an income-contingent basis commencing on 6th April 2019 with repayments taken via HMRC.
    The UK repayment threshold will be £21,000 in tax year 2019/20. 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%.
    還款
    還款以收入比例為基礎(chǔ)，計劃于2019年4月6日啟動，屆時，還款將通過英國稅務(wù)及海關(guān)總署實施。
    英國償還起點在納稅年度2019-20為2.1萬英鎊。對于海外還款的學生，起點將以學生所在國家的生活成本為基礎(chǔ)。
    研究生貸款還款和本科生貸款還款同時進行，還款比例為年薪減去2.1萬英鎊之后余下部分的6%。研究生貸款和本科生貸款屬于兩個獨立的貸款。
    利息按零售物價指數(shù)加三個百分點收取。
    PhD Loans
    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、博士貸款
    博士貸款計劃的最終詳細信息有待公布。計劃可貸高達2.5萬英鎊的免入息審查貨款。
    根據(jù)政府提議，符合以下條件的學生可以申請博士貸款：
    英國國籍
    在英國上大學的學生
    年齡在60歲以下
    尚未收到任何研究委員會基金
    博士還款和碩士還款一樣——按年薪減去2.1萬英鎊之后余下部分的6%還款。
    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、學生申請流程——研究生貸款計劃
    研究生貸款允許數(shù)字簽名嗎?
    2016-17學年的申請需要手寫簽名，不過學生貸款公司正在和商務(wù)創(chuàng)新技術(shù)部協(xié)調(diào)，考慮在未來接受數(shù)字簽名。
    所有研究生包括歐盟成員國研究生都可以線上申請嗎?
    是的，包括歐盟成員國在內(nèi)的所有學生都可以線上申請。有申請表供你下載打印。
    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.
    申請之前，學生自己可以做資格審核嗎?
    沒有用于資格審核的特定工具，不過有屏幕說明為你提供關(guān)于資格審核的詳細信息和指導(dǎo)。
    本科升碩士，SSNs和 CRNs 還一樣嗎?
    是的。
    可以看和選擇證書嗎?
    通過課程管理服務(wù)進入系統(tǒng)，可以查看研究生課程。證書分為研究型碩士和授課型碩士。
    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 2016 be brought forward in future years ie 2017 onwards?
    We would encourage students to apply as soon as possible, in line with the Summer 2016 launch.
    Students can apply using their preferred choice of Provider and course. (It is not necessary to hold an offer).
    申請有最大貸款選框嗎?
    是的，第一學年和第二學年都有最大貸款復(fù)選框。
    不過目前還在審查中，意圖是推出申請日期，申請日期也還沒有決定。
    2016年夏季申請日期在接下來的幾年(比如2017年)會提前嗎?
    學校建議學生盡早申請。
    可以使用自己喜歡的Provider申請課程。不必持有錄取通知書。
    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、研究生貸款發(fā)放與還款
    如果學生有數(shù)額較大的欠款，或者賬戶里有多付的本科撥款款項，那么研究生貸款發(fā)放會受到影響嗎?是否需要付清欠款才會發(fā)放?
    撥款——多付的撥款款項不影響將來的貸款資格，包括研究生貸款。
    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或繼續(xù)教育階段欠下數(shù)額大的還款，那么就沒有資格申請研究生貸款。一旦欠款全部付清，就可以申請研究生貸款。
    多付的款項——如果在先前課程學習中欠下數(shù)額大的款項，那么就沒有資格申請研究生貸款，除非可以提供經(jīng)濟困難證明。
    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.
    提交申請的時候需要提供兩個主要聯(lián)系人的聯(lián)系方式，這樣有什么用嗎?
    作為貸款申請流程的一部分，學生需要提供兩個居住地址不同的聯(lián)系人的聯(lián)系方式。這樣便于學校在聯(lián)系不上學生的時候可以聯(lián)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 2019 at the earliest, even where the student completes or withdraws from the course prior to that date.
    還款從2019-20學年開始，那么收入評估也是從2019-20的收入開始嗎?
    研究生貸款屬于免入息審查貨款，因此評估對收入細節(jié)不作要求。從還款的角度看，研究生貸款按收入比例償還。研究生貸款(包括全日制和非全日制)的法定還款合理日期為4月6日(或者為退課日期)，與課程結(jié)束日期(退課日期)一致。不過，在2019年4也6日之前，不強制要求還款，即便提前完成課程或中途退課。
    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.
    非全日制課程時長為三年或四年的，從課程的第二學年4月6日起就需要還款。不過，只有在學生的收入高于還款起點時，才強制要求還款。
    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 2019 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).
    如果學的是三年制或四年制課程，那么還款什么時候開始?
    研究生貸款(包括全日制和非全日制)的法定還款合理日期為4月6日(或者為退課日期)，與課程結(jié)束日期(退課日期)一致。不過，在2019年4也6日之前，不強制要求還款，即便提前完成課程或中途退課。
    碩士課程的“課程日期”為學年的最后一天。(如果課程時長在兩年及以上，則為第二學年。)
    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.
    不同的還款計劃會在工資單上面分別寫明嗎?
    當前的提議是，研究生貸款單獨從高等教育貸款工資單上扣除。詳細規(guī)定一旦確定會有告知。
    在2019-20學年之前，可以志愿還款嗎?
    可以。貸款人可以隨時志愿還款，不收取額外費用或罰金，在貸款余額滿足還款條件的前后都可以志愿還款。