{"id":39162,"date":"2026-06-02T12:04:56","date_gmt":"2026-06-02T11:04:56","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=39162"},"modified":"2026-06-02T12:04:56","modified_gmt":"2026-06-02T11:04:56","slug":"ingilterede-ogrenci-kredilerinde-faiz-ve-borc-yuku-tartismasi","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingilterede-ogrenci-kredilerinde-faiz-ve-borc-yuku-tartismasi\/","title":{"rendered":"\u0130ngiltere’de \u00f6\u011frenci kredilerinde faiz ve bor\u00e7 y\u00fck\u00fc tart\u0131\u015fmas\u0131"},"content":{"rendered":"

\u0130ngiltere\u2019de milletvekilleri, \u00f6\u011frenci kredilerinin mezunlar \u00fczerindeki etkisini inceleyen yeni bir soru\u015fturma kapsam\u0131nda bor\u00e7 y\u00fck\u00fc ve faiz oranlar\u0131na ili\u015fkin endi\u015feleri dinleyecek. \u00d6zellikle 2012-2023 y\u0131llar\u0131 aras\u0131nda verilen Plan 2 \u00f6\u011frenci kredilerine<\/strong> sahip mezunlar aras\u0131nda memnuniyetsizlik dikkat \u00e7ekiyor.<\/p>\n

BBC’ye konu\u015fan teknoloji sekt\u00f6r\u00fcnde \u00e7al\u0131\u015fan 33 ya\u015f\u0131ndaki Gemma<\/strong>, mezuniyetinin ard\u0131ndan 2016 y\u0131l\u0131nda 34 bin 105 sterlin olan borcunun, yapt\u0131\u011f\u0131 geri \u00f6demelere ra\u011fmen bug\u00fcn 41 bin 908 sterline y\u00fckseldi\u011fini<\/strong> s\u00f6yledi. Gemma, bir yandan \u00fcniversite e\u011fitiminin d\u00fc\u015f\u00fck gelirli bir ge\u00e7mi\u015ften gelerek kariyerinde ilerlemesine katk\u0131 sa\u011flad\u0131\u011f\u0131n\u0131 belirtirken, di\u011fer yandan kredi y\u00fck\u00fcn\u00fcn ya\u015fam\u0131n\u0131 olumsuz etkiledi\u011fini ifade etti.<\/p>\n

\u201cBor\u00e7 s\u00fcrekli b\u00fcy\u00fcyormu\u015f gibi hissediyorum. Sanki hi\u00e7 bitmeyen bir da\u011fa t\u0131rman\u0131yorum\u201d diyen Gemma, \u00f6\u011frenci kredisinin kendisi ve partnerinin aile kurma planlar\u0131n\u0131 da ertelemesine neden oldu\u011funu s\u00f6yledi.<\/p>

\"\"<\/a><\/div>\n

50 binden fazla g\u00f6r\u00fc\u015f sunuldu<\/h4>\n

Parlamentodaki inceleme kapsam\u0131nda 50 binden fazla ki\u015fi yaz\u0131l\u0131 g\u00f6r\u00fc\u015f bildirdi. Bir\u00e7ok mezun, kredi s\u00f6zle\u015fmelerini imzalarken \u015fartlar\u0131 tam olarak anlamad\u0131klar\u0131n\u0131 savundu.<\/p>\n

\u0130ngiltere\u2019de mezunlar, belirlenen gelir e\u015fi\u011finin \u00fczerindeki kazan\u00e7lar\u0131n\u0131n y\u00fczde 9\u2019unu geri \u00f6d\u00fcyor. H\u00fck\u00fcmet, bu e\u015fi\u011fin Nisan 2027\u2019den itibaren \u00fc\u00e7 y\u0131l boyunca 29 bin 385 sterlinde dondurulaca\u011f\u0131n\u0131<\/strong> a\u00e7\u0131klad\u0131. Bu durumun daha fazla mezunun daha erken \u00f6deme yapmas\u0131na yol a\u00e7mas\u0131 bekleniyor.<\/p>\n

S\u00f6z konusu e\u015fik, mezunlar\u0131n \u00f6\u011frenci kredisi geri \u00f6demeye ba\u015flamadan \u00f6nce kazanabilecekleri y\u0131ll\u0131k gelir s\u0131n\u0131r\u0131n\u0131 ifade ediyor. Bu s\u0131n\u0131r\u0131n 29 bin 385 sterlinde dondurulmas\u0131, daha fazla ki\u015finin daha erken geri \u00f6deme yapmas\u0131na yol a\u00e7abilecek.<\/p>\n

Ulusal \u00d6\u011frenciler Birli\u011fi (NUS), h\u00fck\u00fcmete bu karar\u0131 yeniden de\u011ferlendirme \u00e7a\u011fr\u0131s\u0131nda bulundu. Mezun kampanya grubu Rethink Repayment<\/strong> ise \u00f6deme e\u015fi\u011finin dondurulmas\u0131n\u0131n, kredi sahiplerine ba\u015flang\u0131\u00e7ta sunulan \u015fartlarla \u00e7eli\u015fti\u011fini \u00f6ne s\u00fcrd\u00fc.<\/p>\n

\u201cEv sahibi olmak ve aile kurmak zorla\u015f\u0131yor\u201d<\/h4>\n

NUS temsilcisi Alex Stanley<\/strong>, mevcut sistemde uzun vadeli bir d\u00fczeltmeye ihtiya\u00e7 oldu\u011funu belirterek, bir\u00e7ok gen\u00e7 mezunun ev sat\u0131n alma veya aile kurma hedeflerini ertelemek zorunda kald\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

\u00d6te yandan Universities UK<\/strong> \u0130cra Kurulu Ba\u015fkan\u0131 Vivienne Stern<\/strong>, i\u015f g\u00fcc\u00fc piyasas\u0131n\u0131n zorluklar\u0131na ra\u011fmen verilerin mezunlar\u0131n daha y\u00fcksek istihdam oranlar\u0131na, daha y\u00fcksek gelirlere ve daha iyi sa\u011fl\u0131k sonu\u00e7lar\u0131na sahip oldu\u011funu g\u00f6sterdi\u011fini ifade etti.<\/p>\n

Stern, \u201c\u00dcniversite e\u011fitimi yaln\u0131zca bireylere de\u011fil, \u00fclke ekonomisine de katk\u0131 sa\u011fl\u0131yor. Ekonomik b\u00fcy\u00fcme i\u00e7in daha fazla mezunun i\u015f g\u00fcc\u00fcne kat\u0131lmas\u0131 gerekiyor\u201d dedi.<\/p>\n

H\u00fck\u00fcmet sistemi savundu<\/h4>\n

H\u00fck\u00fcmet ise geri \u00f6deme e\u015fi\u011finin dondurulmas\u0131 karar\u0131n\u0131 savunarak, Plan 2 kredilerindeki faiz oran\u0131n\u0131 y\u00fczde 6 ile s\u0131n\u0131rland\u0131rd\u0131\u011f\u0131n\u0131<\/strong> hat\u0131rlatt\u0131.<\/p>\n

Yap\u0131lan a\u00e7\u0131klamada, mezunlar\u0131n kredi geri \u00f6demelerinin maliyetine ili\u015fkin kayg\u0131lar\u0131n\u0131n fark\u0131nda olundu\u011fu belirtilirken, h\u00fck\u00fcmetin g\u00f6reve geldikten sonra mezun geri \u00f6deme e\u015fi\u011fini 2021\u2019den bu yana ilk kez art\u0131rd\u0131\u011f\u0131 ve baz\u0131 hedefli bak\u0131m destek kredilerini yeniden y\u00fcr\u00fcrl\u00fc\u011fe koydu\u011fu ifade edildi.<\/p>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

\u0130ngiltere\u2019de milletvekilleri, \u00f6\u011frenci kredilerinin mezunlar \u00fczerindeki etkisini inceleyen yeni bir soru\u015fturma kapsam\u0131nda bor\u00e7 y\u00fck\u00fc ve faiz oranlar\u0131na ili\u015fkin endi\u015feleri dinleyecek. \u00d6zellikle 2012-2023 y\u0131llar\u0131 aras\u0131nda verilen Plan 2 \u00f6\u011frenci kredilerine sahip mezunlar aras\u0131nda memnuniyetsizlik dikkat \u00e7ekiyor. BBC’ye konu\u015fan teknoloji sekt\u00f6r\u00fcnde \u00e7al\u0131\u015fan 33 ya\u015f\u0131ndaki Gemma, mezuniyetinin ard\u0131ndan 2016 y\u0131l\u0131nda 34 bin 105 sterlin olan borcunun, yapt\u0131\u011f\u0131 geri \u00f6demelere ra\u011fmen bug\u00fcn 41 bin 908 sterline y\u00fckseldi\u011fini s\u00f6yledi. Gemma, bir yandan \u00fcniversite e\u011fitiminin d\u00fc\u015f\u00fck gelirli bir ge\u00e7mi\u015ften gelerek kariyerinde ilerlemesine katk\u0131 sa\u011flad\u0131\u011f\u0131n\u0131 belirtirken, di\u011fer yandan kredi y\u00fck\u00fcn\u00fcn ya\u015fam\u0131n\u0131 olumsuz etkiledi\u011fini ifade etti. \u201cBor\u00e7 s\u00fcrekli b\u00fcy\u00fcyormu\u015f gibi hissediyorum. Sanki hi\u00e7 bitmeyen bir da\u011fa t\u0131rman\u0131yorum\u201d diyen […]<\/p>\n","protected":false},"author":11,"featured_media":19108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-39162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-birlesik-krallik"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/39162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=39162"}],"version-history":[{"count":1,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/39162\/revisions"}],"predecessor-version":[{"id":39163,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/39162\/revisions\/39163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/19108"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=39162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=39162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=39162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}