A 熟考する／考慮する in 負債

By Helen Loveless, Mail on Sunday 企業 Editor
Updated: 00:00 BST, 4 May 2004

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THE size of the 普通の／平均（する） 卒業生（する） 負債 has 急に上がるd by 500% to more than £12,000, in the last ten years alone. New 人物／姿／数字s 明らかにする／漏らす students leaving university 借りがある £12,069 on 普通の／平均（する）. This compares to 普通の／平均（する） student 負債s of £2,212 in 1994.

The 大規模な 増加する is 予定 partly to the introduction of tuitui on 料金s and the 廃止 of student 認めるs. Students have also been 攻撃する，衝突する by the rising cost of living.

Jeremy 法律, 長，率いる of student and 卒業生（する） banking at Barclays, which carried out the 研究, believes the 上向きs 傾向 has dangerous 関わりあい／含蓄s for the 未来.

'If this continues, 卒業生（する） 負債 could reach as much as £33,708 for students leaving a degree course by 2010, 含むing the 提案するd 増加する in 料金s.

'The knock-on 影響 will be that 卒業生（する）s are saddled with 負債 for longer and unable to get on to the 住宅 ladder or make appropriate 年金 準備／条項 until much later on in life,' he 追加するd.

The good news is that most students are borrowing from the cheapest source. によれば the 調査する, the 大多数 take out a 貸付金 from the Student 貸付金s Company before going どこかよそで. 86% of students 借りがある money to the SLC, with an 普通の／平均（する） 負債 of around £10,161.

Of those questioned 59% had borrowed money from their bank or building society, with an 普通の／平均（する） 負債 of £3,876. 29% of students 認める to borrowing from parents, 親族s or friends.

Where 卒業生（する）s 熟考する／考慮するd also had an 衝撃 on the size of their 負債. People at university in the South-West 借りがあるd an 普通の／平均（する） of £14,802, compared to an 普通の／平均（する） 負債 of £11,484 for 卒業生（する）s who 熟考する／考慮するd in the Midlands.

If you have 卒業生（する）d with 負債 there are ways to keep the costs 負かす／撃墜する. Review all your 優れた 負債s and the 率s you are 存在 告発（する），告訴（する）／料金d on a 正規の／正選手 basis, to make sure you are getting the best 率s 利用できる to you. Many banks 申し込む／申し出 postgraduate 貸付金s at very 競争の激しい 率s.

Draw up a 予算 of your income and your 去っていく／社交的なs and make sure they balance. Barclays advises 卒業生（する）s to 始める，決める 的s and goals for 支払う／賃金ing off your 負債s and decide how much you can afford to 支払う／賃金 off each month.

If you are having problems 対処するing with 負債 and your 返済s don't ignore the 問題／発行する. Talk to the companies that you 借りがある money to and draw up an 代案／選択肢 現実主義の 支払い（額） schedul e. Most 貸す人s would rather receive a smaller 量 on a 正規の／正選手 basis than nothing at all.

Alternatively you can 接触する your 地元の 国民s Advice Bureau who will 供給する 解放する／自由な 財政上の advice. The 国家の debtline on 0808 808 4000 and the 消費者 Credit Counselling Service on 0800 138 111 are also able to 供給する help and advice.