Niektórzy studenci, którzy wzięli pożyczkę na czesne will have to pay twice the amount borrowed, so the calculations carried out show by leading financial firms for the BBC. Their calculations indicate that student borrowers about £ 39 000 for three-year degree will pay off up to £ 1983 000th Loans for students are not new to the British Isles, but from 2012 the system of reimbursement changes. Under the new scheme graduates earning above £ 21 000 a year, will pay 9% of their salary for a maximum period of 30 years. In the opinion of the Minister of Higher Education, the new rules are fairer than the old ones. According to him, lower installments, but extended for a longer period of time are "less onerous" than the higher installments paid within a shorter period of time.
change student loan repayment scheme linked to an increase in tuition fees. Since 2012 . Universities will be able to claim up to £ 9,000 per year of study. As part of the loan, the government pay the full amount of tuition fees, then a graduate will be required to repay that amount if his / her annual earnings exceed £ 21 the 000th Students will also be able to take out a loan for the maintenance of between £ 3,575 to £ 5,288, depending on family income. expected that interest rates will vary from an amount equal to the inflation rate equal to inflation plus 3%. The higher the earnings of a graduate, the higher interest rate. After 30 years, any unpaid amounts shall be forfeited.
Currently, students beginning their studies in 2011, can borrow £ 3375 for each year of study, and from £ 3,838 to £ 6,928 for maintenance - which, after three years will become a debt of £ 25 000 Graduates repay 9% of all income in excess of £ 15 000 - this means that at an annual salary of £ 25 000, graduate repay 9% of £ 10 000 of income under the old system, while only 9 according to the new % of £ 4000th Currently, the interest rate on student loans is equal to high inflation.
Extension repay a student loan for a longer period of time will mean lower monthly payments than at present. Ministerial Consultations on the possibility of imposing penalties on those who settle the debt faster. government ensures that the new rules, students with low pay (one quarter of all students) will pay less than the current system. Academic Youth from families with low income will receive funding, which will not have to pay. The government also promised to create a scholarship fund and will allocate for this purpose £ 150m.
John Whiting of the Chartered Institute of Taxation compared the new system for mortgages - buying education in installments. "If someone takes a large loan, there is no doubt that debt settlement will take them a long time. With accrued interest, this amount could double or even triple "- explains Whiting. contrast Professor Nick Barr from the London School of Economics believes that the new system is fair and proportionate to income. "This is a simple deduction from wages, it is week after week, month after month. Furthermore, it is precisely tailored to the individual earnings of persons, and therefore is not detrimental to them [the graduates ed.] Portfolios. It gives them the opportunity to acquire higher education "- he explains.
Changes in the amount of tuition fees apply only to England. Northern Ireland tuition fees will increase to a maximum of £ 5,750 per year. In Wales, students will experience no increase in tuition fees, and the Welsh Assembly (Welsh Assembly Government) will finance the students higher fees. In Scotland, students do not pay for college.
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