英格蘭和威爾士的畢業生：分享您對償還學生貸款的看法 |學生資助

林美玉 (Lin Meiyu)

2 2 月 2026

在去年的預算中，Rachel Reeves 將償還 Plan 2 貸款的工資門檻從 2027 年 4 月起凍結三年，這意味著借款人將不得不為學生貸款支付更多費用，因為他們受益於加薪。

學生資助包括學費貸款（涵蓋課程費用並直接支付給大學）和維持貸款（旨在幫助支付租金和食品等費用）。

兩者都必須償還，並且從向學生和/或其大學支付第一筆付款時開始，每月將利息添加到餘額中，直到貸款全額償還或免除。

如果您是英格蘭和威爾士的畢業生，我們想知道您如何償還貸款。您是否經歷過未償債務大幅增加？您有什麼顧慮嗎？

分享您的經驗

請通過下面的表格或給我們留言分享您的觀點和經驗。

您的回复（可能是匿名的）是安全的，因為表單已加密，並且只有監護人才能訪問您的貢獻。我們只會將您提供給我們的數據用於功能目的，當我們不再需要用於此目的時，我們將刪除所有個人數據。如需安全聯繫我們的其他方式，請訪問我們的諮詢指導。

您將如何償還貸款？

請提供盡可能詳細的信息。

</div> <div class="dcr-p5u71k"><label for=":R9al6kra6l6kab:" class="dcr-0"></p> <p>您是否經歷過貸款支付大幅增加？ <span class="dcr-1dx52k9">選修的</span></p> <p class="dcr-t4ab9u">請提供盡可能詳細的信息。 </p> <p></label><textarea id=":R9al6kra6l6kab:" aria-required="false" aria-invalid="false" aria-describedby="" rows="3" class="dcr-ftgyo1" name="field_textarea_192076810" data-testid="form-field-192076810"/></div> <div class="dcr-p5u71k"><label for=":R9il6kra6l6kab:" class="dcr-0"></p> <p>您有什麼顧慮嗎？ <span class="dcr-1dx52k9">選修的</span></p> <p class="dcr-t4ab9u">請提供盡可能詳細的信息。 </p> <p></label><textarea id=":R9il6kra6l6kab:" aria-required="false" aria-invalid="false" aria-describedby="" rows="3" class="dcr-ftgyo1" name="field_textarea_192076785" data-testid="form-field-192076785"/></div> <div class="dcr-p5u71k"> <div class="dcr-cgbpju"><label class="dcr-1yjvpki"></p> <p>如果您願意，請在此處上傳您的照片 <span class="dcr-1dx52k9">選修的</span></p> <p class="dcr-14g8jkp">請注意，最大文件大小為 5.7MB。</p> <p>選擇一個文件<input type="file" 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