英国政府承诺为学生贷款提供更清晰的指导，以应对议员对其贷款宣传误导性的批评。1财政委员会7月发布的调查报告指出，政府关于学生贷款的营销材料在说明条款可能变更方面存在不足，且去年11月宣布的第二类贷款还款阈值冻结政策违背了学生的原有预期。1该报告认定政府幻灯片和YouTube视频宣传构成"误售"。1
第二类贷款还款阈值将从当前的£28,470冻结在£29,385，冻结期为三年，自2027年4月起生效。1这一政策招致广泛反对，121位跨党派议员和同行在8月致函财政大臣John Healey，称中等收入毕业生面临"历史性高"的边际税率。1议员们指出，"对许多中等收入毕业生来说，所得税、国家保险和学生贷款还款的结合意味着他们的加薪不到一半"。1
政府表示将改进新学生的指导信息，但拒绝了将新贷款以合同基础发放的建议。1财政委员会主席Meg Hillier表示，"这并没有帮助已经愤怒的毕业生，他们现在面临不断增长的处罚性还款条款"。1
The UK government has committed to providing improved guidance on student loans following mounting criticism over its handling of loan terms and repayment thresholds.1 A parliamentary inquiry in July concluded that government marketing materials for student loans, including slides and YouTube videos, amounted to "mis-selling" due to insufficient disclosure that loan terms could change.1 The controversy centers on the government's decision announced last November to freeze the repayment threshold for Plan 2 loans at £29,385 for three years beginning in April 2027, a policy shift that has disappointed graduates who expected different conditions.1
The decision has drawn sharp opposition from legislators across party lines. One hundred twenty-one cross-party MPs and peers wrote to Finance Minister John Healey in August, warning that middle-income graduates face "historically high" marginal tax rates under the combined burden of income tax, national insurance, and student loan repayments.1 According to their assessment, "for many middle-income graduates, the combination of income tax, national insurance and student loan repayment means they take home less than half of any pay rise."1 While the government indicated it would enhance guidance materials for new students, it rejected proposals to lock loan terms by contract and declined to signal any reversal of the freeze policy.1 Treasury Committee Chair Meg Hillier responded critically, stating: "This does nothing to help already angry graduates now facing ever-growing punitive repayment conditions."1
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