揹學貸淪月光?政大畢業生:低薪才是元凶 - 薪水
By Erin
at 2019-06-10T15:43
at 2019-06-10T15:43
Table of Contents
※ [本文轉錄自 Gossiping 看板 #1S-za7BV ]
作者: ebsd (電子背向散射繞射) 看板: Gossiping
標題: [新聞] 揹學貸淪月光?政大畢業生:低薪才是元凶
時間: Sat Jun 8 23:49:24 2019
媒體來源:
三立
記者署名
簡若羽
完整新聞標題:
獨/揹學貸淪月光族?政大畢業生:低薪才是元凶
完整新聞內文:
學貸負擔重,讓剛畢業薪水不高還得還債的新鮮人淪為月光族?高教工會日前指出,一名
私立大學學生4年學費落在80到100萬之間,高額學費迫使3成學生必須申請學生貸款,但
畢業後的起薪卻只有2.8萬元,根據行政院主計處公布的平均月生活開銷來計算,新鮮人
收入扣掉貸款、房租和基本生活開銷後就所剩無幾,只能當月光族。對此,畢業近3年,
仍在償還學貸的政大校友徐小姐表示「一個月3千的學貸並沒有對我造成壓力,低薪才是
月光元凶。」
徐小姐表示,因為家裡小孩多、爸媽收入不高,從小就知道要自己負擔大學學費,所以很
努力讀書考上國立大學,而就讀政大哲學系時的學費並不算太高,「我是公立大學文組的
,學費一學期2萬多,應該算是最便宜的,聽說理組的像是交大光電,學費一學期是4萬,
如果讀私立大學就更慘、負擔更大,像我大妹有段時間成績徘徊在國立和私立的交界,她
就很緊張。」
而對於學貸的償還規定,徐小姐認為條件還算寬鬆,「讀政大4年學貸大約27到28萬,畢
業後一年才開始償還,每個月包含利息大概是2700多塊,一學期學費可分1年償還,所以
我只要8年內還完即可。」由於畢業後沒有立即的還款壓力,徐小姐先到澳洲打工度假一
年,邊存錢邊旅遊,她表示「在澳洲期間平均月存1萬5,其實存到的錢可以一次還清學貸
,但如果為省利息全數還掉,手邊就沒有多餘的錢了。」
回台後,她在2個月之內找到一份科技業業務專員的工作,月領28K,她表示起薪雖然不高
,但因為住家裡省下房租,還是可以存到錢,「我不用付房租,加上我是在樹林上班,平
常吃一個雞腿便當只要70塊,比之前念書在台北吃東西便宜,偶爾會跟朋友出去玩,這樣
加起來大概月花1萬元」,徐小姐補充說「3千塊的學貸對我來說,沒有造成太大的負擔,
目前在開銷上遇到最大的問題,就是我一直很想到外面住,但就算少付3千學貸也租不起
房子,所以會讓台灣人淪光月光族的原因,主要還是薪水太低。」
對於台灣目前的大學學費,徐小姐認為跟其他國家相比,已經算便宜,「之前在澳洲時有
打聽,據當地朋友說公立大學學費一學期是1萬塊澳幣,相當於台幣20多萬,而且他們是3
學期制,加起來費用很可觀。」
為緩解學生貸款壓力,教育部去年修正「高級中等以上學校學生就學貸款作業要點」放寬
緩繳條件,學生在開始償還的前一年,如果平均月收未達3.5萬元、或屬中低收入、低收
入戶,就可以申請緩繳貸款本金。另外,還增加最長4年的「只繳息期」,在此期間只需
要繳交利息,不用還本金,以貸款30萬元的學生為例,每個月要償還的金額是3273元,如
果申請「只繳息期」,在這期間就只要還288元,減輕約9成的負擔。
完整新聞連結 (或短網址):
https://www.setn.com/News.aspx?NewsID=551570
備註:
--
作者: ebsd (電子背向散射繞射) 看板: Gossiping
標題: [新聞] 揹學貸淪月光?政大畢業生:低薪才是元凶
時間: Sat Jun 8 23:49:24 2019
媒體來源:
三立
記者署名
簡若羽
完整新聞標題:
獨/揹學貸淪月光族?政大畢業生:低薪才是元凶
完整新聞內文:
學貸負擔重,讓剛畢業薪水不高還得還債的新鮮人淪為月光族?高教工會日前指出,一名
私立大學學生4年學費落在80到100萬之間,高額學費迫使3成學生必須申請學生貸款,但
畢業後的起薪卻只有2.8萬元,根據行政院主計處公布的平均月生活開銷來計算,新鮮人
收入扣掉貸款、房租和基本生活開銷後就所剩無幾,只能當月光族。對此,畢業近3年,
仍在償還學貸的政大校友徐小姐表示「一個月3千的學貸並沒有對我造成壓力,低薪才是
月光元凶。」
徐小姐表示,因為家裡小孩多、爸媽收入不高,從小就知道要自己負擔大學學費,所以很
努力讀書考上國立大學,而就讀政大哲學系時的學費並不算太高,「我是公立大學文組的
,學費一學期2萬多,應該算是最便宜的,聽說理組的像是交大光電,學費一學期是4萬,
如果讀私立大學就更慘、負擔更大,像我大妹有段時間成績徘徊在國立和私立的交界,她
就很緊張。」
而對於學貸的償還規定,徐小姐認為條件還算寬鬆,「讀政大4年學貸大約27到28萬,畢
業後一年才開始償還,每個月包含利息大概是2700多塊,一學期學費可分1年償還,所以
我只要8年內還完即可。」由於畢業後沒有立即的還款壓力,徐小姐先到澳洲打工度假一
年,邊存錢邊旅遊,她表示「在澳洲期間平均月存1萬5,其實存到的錢可以一次還清學貸
,但如果為省利息全數還掉,手邊就沒有多餘的錢了。」
回台後,她在2個月之內找到一份科技業業務專員的工作,月領28K,她表示起薪雖然不高
,但因為住家裡省下房租,還是可以存到錢,「我不用付房租,加上我是在樹林上班,平
常吃一個雞腿便當只要70塊,比之前念書在台北吃東西便宜,偶爾會跟朋友出去玩,這樣
加起來大概月花1萬元」,徐小姐補充說「3千塊的學貸對我來說,沒有造成太大的負擔,
目前在開銷上遇到最大的問題,就是我一直很想到外面住,但就算少付3千學貸也租不起
房子,所以會讓台灣人淪光月光族的原因,主要還是薪水太低。」
對於台灣目前的大學學費,徐小姐認為跟其他國家相比,已經算便宜,「之前在澳洲時有
打聽,據當地朋友說公立大學學費一學期是1萬塊澳幣,相當於台幣20多萬,而且他們是3
學期制,加起來費用很可觀。」
為緩解學生貸款壓力,教育部去年修正「高級中等以上學校學生就學貸款作業要點」放寬
緩繳條件,學生在開始償還的前一年,如果平均月收未達3.5萬元、或屬中低收入、低收
入戶,就可以申請緩繳貸款本金。另外,還增加最長4年的「只繳息期」,在此期間只需
要繳交利息,不用還本金,以貸款30萬元的學生為例,每個月要償還的金額是3273元,如
果申請「只繳息期」,在這期間就只要還288元,減輕約9成的負擔。
完整新聞連結 (或短網址):
https://www.setn.com/News.aspx?NewsID=551570
備註:
--
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薪水
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