School Teacher
| Use attributes for filter ! | |
| Artists | Jan Steen |
|---|---|
| Locations | Private collection |
| Created | 1668 |
| Periods | Baroque |
| Genres | History Painting |
| Date of Reg. | |
| Date of Upd. | |
| ID | 2594035 |
About School Teacher
Actors honour their drama teacher Anna Scher, who has died aged 78
... I learned more from Anna than any School Teacher that I ever had...
I'll still be paying my student loan off at 60
... She trained to be an early years School Teacher and also became president of the National Union of Students in Scotland...
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... In 2020, a School Teacher in France s capital, Paris, Samuel Patywas was beheaded after using cartoons of the Prophet Muhammad during a lesson about freedom of speech...
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... " I was groomed, " she tells the BBC: " It was by a School Teacher...
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... At Christmas, she would perform with the church choir; and eventually a School Teacher advised her to study singing as a soloist...
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... " On 3 July the primary School Teacher wrote that she had become so overwhelmed by the craziness of work she " wanted to let go"...
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... The 25-year-old primary School Teacher said she did not to like to see water being wasted...
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... Mr Bazoum is also someone who came from a fairly modest background and then gradually climbed the educational and career ladder, in his case at university and then as a secondary School Teacher and trade unionist, before going into politics in the early 1990s...
I'll still be paying my student loan off at 60
By David HendersonBBC Scotland business correspondent
Scottish graduates are seeing their student loan Debt rising at a rate of 6. 25% a year. For many, that's a higher rate than they would pay for a mortgage.
The rate has risen rapidly over The Past year or so, in response to The High cost of borrowing and soaring Inflation .
The soaring rate will not mean graduates have to pay more each month But it could affect how long it will take for many to repay that Debt .
Some fear they will reach retirement age without fully repaying costs incurred in their teens and 20s.
'I just don't think I'll ever be able to pay it off'Vonnie Sandlan went to Glasgow Caledonian University in 2002 to study Social Sciences.
After graduating she got a job But did a second stint as a student at The University of The West of Scotland.
She trained to be an early years School Teacher and also became president of The National Union of Students in Scotland.
Ms Sandlan took out a series of student loans to fund her studies and living costs.
She is now 41, and still has £35,000 in student loan Debt .
" I earn a decent wage But I'm still not paying enough for my student loan contributions to make an impact on that Debt and bring it down, " she says.
" I just don't think I'll ever be able to pay it off before I finish working. That's The reality of it. "
Vonnie is a home-owner so she is now paying a mortgage - But The interest on that Debt is currently 3. 69%. The rate of interest on her student loan Debt is 6. 25%.
" We need to see that interest rate coming down, 6% is just absolutely ridiculous, " she says.
" The notion I'm Still Going to be still paying it off at 60 is quite uncomfortable, to be honest. "
No tuition feesScottish students studying in Scotland do not normally pay tuition fees for university, saving them thousands of pounds of Debt each year when compared with other UK nations.
However, they can pay tuition for some further courses and often Take Out support loans through SAAS (The Students Awards Agency Scotland).
Ms Sandlan says: " I feel very fortunate I've been able to take advantage of university education which supported me to get a Good Job and pays me well. It allows me to support My Family .
" But I do think a 6% interest rate on that student Debt just feels excessive and unfair. And I hope The government reflects on this. "
She says The government could make The Choice to reduce The interest rates and adjust The terms and conditions of student Debt so it is fairer and more equitable.
How The interest rate is setThe interest rate on student loans in Scotland is set on The lower of two things. One is The retail price index - The RPI measure of Inflation - and The Other is The Bank of England base rate, plus 1%.
So as The Bank of England base rate has gone up to 5. 25% in The Last couple of years, students would have seen The interest on their loans increase.
Graduates in Scotland begin to pay back their student loans when they earn More Than £27,660.
They repay 9% of anything they earn over that threshold.
The amount comes directly out of their wages - which means it is not dependant on The amount they have borrowed.
So if a graduate earns £35,000, they would be eligible to repay 9% of £7,340, which is £660 a year (for maths students, here's The sum: £35,000 - £27660 = £7340 x 9% = £660 a year).
But The rate of interest on what they owe is now 6. 25% a year.
That means it's harder to clear The Initial Debt .
Raise The Payment Threshold?Kate Ogden, senior research economist at The Institute for Fiscal Studies think-tank, said: " The interest rate on student loans in Scotland was less than 2% throughout The 2010s, so this rise to 6. 25% may be a shock to Scottish graduates.
" What it won't mean though is anybody repaying more each month.
" The Way loans are repaid means that how much you repay depends on your earnings and not directly on The interest rate - unlike with a mortgage - so this won't be hitting students in The pocket now. "
Ms Ogden added: " The Student loan system's designed to make sure a majority of students will pay back their Debt - which protects The Scottish taxpayer - But also that no students are faced with unaffordable repayments.
" Now, despite The High interest rates, I still think The System will continue to do this. "
She Said she expected The interest rate to fall next year so it would no longer be at its historic high.
" If The government is really concerned about protecting students at this point In Time and making sure that none of them are put in a difficult financial situation because of these loans, The Most effective thing it could do is to think about The earnings threshold, above which students start to make repayments, " Ms Ogden says.
" Any increase in that threshold would have an immediate impact on The repayments that students make now. "
'Taking strong action'A Scottish Government spokesperson said: " The Scottish Government is taking strong action to help students through The cost of living crisis.
" Scotland has The lowest student Debt levels in The UK as a result of free tuition for Scottish-domiciled students studying at university here, which ensures they do not incur additional Debt of up to £27,750.
" The average Debt for students in England is now £44,940, which is almost Three Times The Level of Scotland. Scottish borrowers are also charged lower interest rates than most borrowers from The rest of The UK, where interest on student loans is as high as 7. 3%.
" We have also increased Higher Education student support packages by £900 for 2023-24.
" This raises support for students who may be disadvantaged, including Care Experienced, estranged students and those from The lowest household incomes from £8,100 to £9,000 as The Next step in our commitment to providing a package of support equivalent to The Living wage. "
Related TopicsSource of news: bbc.com
