12博官方网站学生会:学生财务家长指南

1.  学生贷款(学费和生活费)

这些贷款由政府通过学生贷款公司(SLC)提供。.  They are the cheapest form of money your son/daughter can borrow long term they only start repaying when they are in work. 更多信息可以在 www.政府.英国/学生资助. 

The above loans are to pay for tuition fees and help towards day to day living costs such as rent and travel.  The really important thing to understand is there’s nothing to repay until your child leaves University and is earning over the threshold.  即便如此，他们也只支付收入的一部分.

2.           家庭援助

作为父母, 你可能想要帮助你的孩子, yet the system is designed so that money should be available for your child to support themselves so you don’t risk putting yourself into debt.  也许你可以用更好、更经济的方式来帮助他们.

You could help with money put towards course books or stocking up the kitchen cupboard at the start of term (if they’re living away from home).  Helping your son/daughter with the practicalities of student life could be very welcome.

至关重要的是，学生能够区分“好”和“坏”的债务.  这听起来可能很奇怪，但有些债务比其他债务要好得多 所有的债务都不一样!  以下是不同类型的学生贷款指南:

政府学生资助计划

The Student Loans for tuition fees and living costs should be your son/daughters first port of call.  这些官方贷款, 由学生贷款公司代表政府管理, are the cheapest long-term borrowing students can get and should always be the first place to borrow from.  2023年8月起入学的学生, 贷款按通货膨胀率(RPI)收费。. 这意味着学生们只偿还他们实际借的钱. 在学生离开大学之前，没有什么可以偿还的, 工作和收入是否高于门槛.  还款与他们赚多少钱挂钩，而不是他们欠多少钱.

有关偿还贷款的详情，请浏览 www.政府.英国/ repaying-your-student-loan /你花钱. 

免息透支

Many of the big banks have created a special student bank account to target people going to University or College for the first time.  他们可能会提供折扣铁路旅行等激励措施.  While these are appealing, it’s important to look beyond the freebies to what the account offers.  最好的帐户在最长的时间内有0%的透支限额.

Lending comes in many shapes and sizes: bank loans, hire purchase, credit cards and store cards.  其中大部分都是商业利率，从5%到4000%不等.  As students have limited income and almost certainly won’t start work until they graduate, this means when borrowing money they are more likely to only pay the minimum payment and paying a real rate of interest will incur compound interest (paying interest on interest) which will increase the amount owed.

So the message you should give your son/daughter is simple; planned, 预算, affordable debt is a reasonable life option – yet commercial debt that you can’t repay can cause major problems.

如果他们真的需要借钱, 然后强调利率越低, 他们还款的速度越快，就意味着他们支付的钱越少.

在人生的任何阶段，预算都是一项必不可少的技能, 但更重要的是那些经济有限的人，如学生.  预算就是让你的收入和支出相匹配.

给你和孩子的预算建议:

• 确保你的孩子不会养成“一得到钱就花”的习惯.  当贷款或其他资金到来时，人们很容易用一大笔钱来庆祝, but a big night out in fresher’s week could mean they can’t afford to go out for the rest of the term.  当然，12BET都想挥霍, 但是做这件事的时间是在学期末，而不是在学期初, 让他们苦苦挣扎.
• 鼓励你的孩子在预算方面寻求帮助. 学生会每周举办生活技能讲习班，帮助学生做预算.
• 如果你的孩子和别人合住, 他们需要与室友明确谁将支付什么费用.  建议他们考虑养一只猫咪来支付费用.
• 当购物时，学生应该问自己三个问题:“我需要它吗?、“我能负担得起吗??和“我查过别的地方便宜吗??如果这些问题的答案都是否定的，那就别买了.
• 鼓励他们为每学期做预算, 如果他们坚持的话, 他们应该能在学期末给自己买点小礼物
• 如果你想给你的孩子钱, 但他们担心如何花掉这笔钱, 你可以用代金券购买书籍或食物.
• 然而诱人, don’t immediately bail your child out at the first sign of financial trouble or they’ll never learn to budget!

Many parents are concerned about the impact part-time work could have on their child’s studies.  但, 适度地做, it’s a great way of bringing in some extra income and increases your child’s employability when they graduate.

The Student 金融 package is designed to cover essential costs such as tuition fees, 食物, 旅游和住宿, 但这并不能解释生活中的小奢侈.

By working part-time, your child can earn extra money, meet new people and learn new skills.  They can also include any work experience on their CV which could impress potential employers. Your child will need to think carefully about whether this is a feasible option for them – it will depend on their course and other demands on their time.

工作场所 at the University can help students to find part time work and volunteering opportunities to enhance their CV.

你可能认为学生的工作报酬很少, but remember that your child is entitled to the minimum wage if they are over 18 years of age.  其他 potential advantages include employee discounts (in shops) or free 食物 and drink (in restaurants or bars).  Working in a bar is a popular choice for many students as it allows them to continue socialising but saves them from spending their money on the other side!

是的，学生必须像其他人一样纳税.  然而, everyone has a personal allowance which means they can earn a certain amount of money before they have to pay any tax.  Most students that work part-time earn less than the personal allowance so they need to ask their employer for a P38(S) form to ensure they are paid tax free.