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 2019 at the earliest, even where the student completes or withdraws from the course prior to that date.

　　还款从2019-20学年开始，那么收入评估也是从2019-20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2019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 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2019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2019-20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。