Lesson in 負債 for students

By DAILY MAIL REPORTER
Updated: 00:00 BST, 21 April 2001

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THOUSANDS of 卒業生（する）s who fail to 調印する student 貸付金 deferral forms are 直面するing 負債 collectors if they don't 支払う／賃金 up.

Many former students do not realise that they have to 調印する an 使用／適用 form to receive a stay of 死刑執行 on 貸付金 返済s. They believe that, because they are not working, 返済s do not have to be made. Any 非，不，無-支払い（額） of a 貸付金 will mean the 負債 collectors are called in.

Students are 認めるd 貸付金s by the 政府- owned Student 貸付金s Company, which 治めるs 貸付金s to those in higher education. It has its own 負債 回復 department that will 追求する you for 延滞の money.

April is the month when students can make an 使用／適用 for a deferral on their 貸付金 返済s. If you want to defer the 支払い（額） because you are not working or 収入 enough, then you must 適用する. If you don't, the 法律 says you must stump up the cash, no 事柄 what your 財政上の circumstances are.

The 国家の Union of Students (NUS) 見積（る）s that the 普通の／平均（する） 量 of 負債 each student will 卒業生（する） with will be £12,000. Any 利益／興味 payable on the 貸付金 will 開始する up and, if you don't 支払う／賃金, your 未来 credit 率ing will be 影響する／感情d.

You will 普通は have to start making 返済s in the April after you 卒業生（する） or stop …に出席するing your course, if you are 収入 more than £10,000. If your income 落ちるs below this threshold, you will not have to make 返済s. For 貸付金s taken out before 1998, you start 返すing once you earn at least £19,104. If you earn below either threshold 量s, you still have to 接触する the 貸付金 company.

Alexander Neilson, a 卒業生（する） from Edinburgh, received a letter from a 負債 collection 機関 教えるing him to start 支払う／賃金ing off his £1,295 student 貸付金. He 行方不明になるd the April 最終期限 last year to 調印する forms that would defer 貸付金 返済s.

Like thousands of other 卒業生（する）s, he has moved house. He believed that, because he was not working, he wouldn't have to make 返済s and thought he didn't need to ask for a deferral.

Mr Neilson, 38, has support from MPs and is ロビーing the Scottish 議会 on the 問題／発行する of deferments. He says: 'Deferments should be 受託するd at any time of the year because young people may change 演説（する）／住所 several times a year.'

The Student 貸付金s Compa ny will give you one chance to （人命などを）奪う，主張する 支援する any money you have already paid に向かって the 貸付金, 供給するd you are now either 収入 below the threshold or are 失業した.

You have a three-month window to make a （人命などを）奪う，主張する. If your 使用／適用 is successful, you will get 支援する the money you have already paid toward your 貸付金.

The NUS's 財政／金融 研究員, Lindsey Fidler, says: 'Some students don't realise that they have to 接触する the 貸付金 company on an 年次の basis. We would encourage all students in this 状況／情勢 to go through the （民事の）告訴s 手続き.' The NUS says 負債 collectors can be very 激しい-手渡すd.

The Student 貸付金s Company says: 'With 正規の／正選手, 同情的な communication, the necessity of taking defaulters to 法廷，裁判所 can usually be 避けるd. However, if the 活動／戦闘 taken to 安全な・保証する 支払い（額） is 不成功の, the account is passed on to 外部の 機関s, followed by 法廷，裁判所 活動／戦闘 to 回復する the balance.'

Know the 得点する／非難する／２０ on poor credit