{"id":35249,"date":"2026-02-12T08:33:48","date_gmt":"2026-02-12T08:33:48","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=35249"},"modified":"2026-02-12T10:29:55","modified_gmt":"2026-02-12T10:29:55","slug":"uk-imprumuturile-studentesti-din-nou-13-miliarde","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=35249","title":{"rendered":"UK : \u00cemprumuturile studen\u021be\u0219ti  &#8211; din nou: 13 miliarde"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>Oricum o dai, pare ( nu \u0219tiu dac\u0103 e a\u0219a, dar pare tot mai mult), c\u0103 \u00eemprumuturile studen\u021be\u0219ti pentru studii sunt o idee proast\u0103 . Cel pu\u021bin \u00een cele mai reprezentative 2 \u021b\u0103ri din lume pare c\u0103 \u00eemprumuturile \u0103stea sunt o idee proast\u0103. <br \/>\u00cen SUA , studen\u021bii <a href=\"https:\/\/educationdata.org\/student-loan-debt-statistics\">au acumulat datorii de 1.83 trilioane de dolari<\/a>; uite c\u0103  deja ne-am \u00eenv\u0103\u021bat \u0219i cu ordinul \u0103sta de m\u0103rime &#8211; trilion &#8211; \u0219i nu din consmologie\/ astronomie, ci din econmie, capitolul datorii. <br \/>Datele spun c\u0103 10% din datornici sunt r\u0103u platnici ( \u201ddelinquent\u201d \u00een articol), procentul e \u00een cre\u0219tere, iar propor\u021bional cu lipsa de performan\u021b\u0103, sau invers propor\u021bional cu perfoman\u021ba, cresc \u0219i dob\u00e2nzile la creditele alea, acum la <a href=\"https:\/\/finaid.org\/loans\/historicalrates\/\">6.39%<\/a>. Mare, b\u0103! 1.62% sunt \u00een default &#8211; nu pot pl\u0103ti &#8211; faliment personal &#8211; dar.<br \/>Celelate cifre \u00eengrijor\u0103toare sunt  urm\u0103toarele :  peste 40 de milioane de datornici pentru scoal\u0103, asta \u00eenseamn\u0103 12% din popula\u021bie.  Peste <a href=\"https:\/\/www.forbes.com\/sites\/michaeltnietzel\/2025\/01\/30\/percentage-of-adults-with-college-degree-hits-new-high-finds-lumina\/\">50% <\/a>( 54) din popula\u021bia din US are acum diplome superioare liceului &#8211; deci care poate genera \u00eemprumuturile \u0103stea. Asta \u00eenseamn\u0103 c\u0103 vreo 24% aproximativ , dintre cei cu educa\u021bie superioar\u0103 sunt ( \u00eenc\u0103, la momentul prezent) \u00een datorii de studii . Schema \u00een SUA e din anii 60, iar \u00een medie, <a href=\"https:\/\/www.luminafoundation.org\/history-of-federal-student-aid\/chapter-one\/\">66% din cei care studiaz\u0103 dup\u0103 liceu<\/a>, contracteaz\u0103 \u00eemprumuturi de studii. Asta \u00eenseamn\u0103 c\u0103 o treime din to\u021bi cei care iau \u00eemprumuturi  de studii \u00eenc\u0103 le mai au. <\/p>\n\n\n\n<p>Datoria medie pentru studii e undeva \u00eentre 30,000 \u0219i 40,000 de dolari, cam ca un \u00eemprumut la o rabl\u0103 medie. Un num\u0103r  \u00een cre\u0219tere de datornici a\u0219teapt\u0103 s\u0103-i ierte statul \u0219i e amuzant c\u0103 istoric nici m\u0103car nu puteau sc\u0103pa de datorie prin faliment personal , \u00eei b\u00e2ntuiau \u00eemprumuturile \u0103stea toat\u0103 via\u021ba. Acum se poate, dar nu prin procedura obi\u0219nuit\u0103 , trebuie<a href=\"https:\/\/www.forbes.com\/sites\/michaeltnietzel\/2025\/01\/30\/percentage-of-adults-with-college-degree-hits-new-high-finds-lumina\/\"> s\u0103 aplice separat \u0219i e un proces de decizie, care poate trece prin justi\u021bie<\/a>. <\/p>\n\n\n\n<p>Dar asta e doar un aspect. <\/p>\n\n\n\n<p>Noi cu UK avem treab\u0103 aici. <br \/>\u00cen UK, unde taxele de studii sunt, \u00een medie , mult mai mici dec\u00e2t \u00een US, \u0219i la o popula\u021bie de circa 6 ori mai mic\u0103, cu un procent de educa\u021bie postliceeal\u0103 de circa 45%, deci asem\u0103n\u0103tor, au datorii de aproape <a href=\"https:\/\/commonslibrary.parliament.uk\/research-briefings\/sn01079\/\">270 de miliarde de lire<\/a> ( <a href=\"https:\/\/gbp.currencyrate.today\/convert\/amount-270000000-to-usd.html\">367 miliarde de dolari <\/a>), care \u00een contextul \u0103sta reprezint\u0103 o proiec\u021bie de \u00eendatorare mai sever\u0103 dec\u00e2t cea a americanilor ( de aia am dezvoltat la \u00eenceput situa\u021bia \u0103lora, ca reper) &#8211; adic\u0103 dac\u0103 \u00eenmul\u021be\u0219ti cu 6 , ca popula\u021bie ( dac\u0103 ar avea popula\u021bie similar\u0103) , iese la 2,2 trilioane de dolari. Dac\u0103 punem \u00een context \u0219i faptul c\u0103 economia UK merge mai slab sensibil dec\u00e2t cea american\u0103, la GDP per capita este la 60% fa\u021b\u0103 de cel din US, cred c\u0103 ar trebui s\u0103 fie vizibil faptul c\u0103 situa\u021bia \u00een UK e un dezastru din punctul \u0103sta de vedere. Dar nu neap\u0103rat pentru popula\u021bie, c\u0103 \u00een UK exist\u0103 op\u021biuni \ud83d\ude00 . Pare c\u0103. <br \/>E important c\u0103 <a href=\"https:\/\/hotnews.ro\/sistemul-britanic-de-credite-studentesti-e-fraudat-370-000-de-absolventi-disparuti-cu-datorii-de-13-miliarde-autoritatile-dau-vina-pe-romani-2167306\">ho\u021bnews <\/a>a prins subiectul \u0103sta, c\u0103-s <a href=\"https:\/\/catalinx.ro\/wordpress\/?p=30870\">gr\u0103mezi de rom\u00e2ni care aplic\u0103 op\u021biunile \u0103stea<\/a>. <br \/>Sursa celor de la hotnews, Daily Mail, au scris articolul ca un fel de critic\u0103 la faptul c\u0103 Starmer vrea s\u0103 creeze din nou condi\u021bii avantajoase pentru tinerii din Europa s\u0103 studieze \u00een UK \u0219i o dau cu uite, b\u0103, <a href=\"https:\/\/www.dailymail.co.uk\/news\/article-15537085\/Britain-student-loan-scammed-370000-graduates-missing-13billion.html\">\u00een ce c\u0103cat suntem deja<\/a>, nu mai da\u021bi bani. <br \/>Mai exact , au o gaur\u0103 de 12 miliarde prin ceea ce ei cred ( cu motive solide) c\u0103 reprezint\u0103 fraude, de la 370,000 de studen\u021bi, care nu pl\u0103tesc nimic, sau au \u00eentrerupt pl\u0103\u021bile \u0103lea. E un volum destul de \u00eensemnat &#8211; un fel de 5.7% sunt \u00een default, dar n-ai ce s\u0103 le faci. E \u0219i faptul c\u0103 condi\u021biile sunt mai bune dec\u00e2t \u00een US. Aici nu te poate obliga nimeni la plat\u0103, dac\u0103 nu ai venituri <strong>verificabile , <\/strong> \u00een suma de peste 30k lire anual, sau ceva de genul. Corect! P\u0103i ce pula mea am \u00eenv\u0103\u021bat dac\u0103 nu fac bani cu asta. \u0218i c\u00e2nd devine un pericol s\u0103 ai venituri verificabile \u0219i s\u0103 fi tras la plat\u0103, lumea mai pleac\u0103, c\u0103 na, nu e chiar ca \u00een Statele Unite aici. \u0218i muie.<\/p>\n\n\n\n<p>Iar Dil\u0103ii Mail zice c\u0103 domne, uite, \u00een situa\u021bia asta Starmerul vrea s\u0103 ofere \u0219i pre\u021buri mai mici europenilor \u0219i s\u0103 le dea <strong> din nou<\/strong> acces facil la studii superioare \u00een UK. Ce nu zice  ziarul pizdii e c\u0103 universit\u0103\u021bile sunt un pic \u00een c\u0103cat, f\u0103r\u0103 studen\u021bii pe care deja \u00eei aveau  , c\u0103 educa\u021bia superioar\u0103 le producea ceva peste 6% din PIB iar acuma e parte din markerii care trag economia \u00eenspre recesiune &#8211; great success. <\/p>\n\n\n\n<p>De unde concluzia mea e asta &#8211; cred c\u0103 \u00eemprumuturile de studii, \u00een schemele rulate acum, sunt un e\u0219ec socio-economic major, \u00een ambele \u021b\u0103ri. <\/p>\n\n\n\n<p>Dar da,  problema Rom\u00e2niei e c\u0103 produce <strong> ieftin<\/strong> prea mul\u021bi medici care pleac\u0103 din \u021bar\u0103. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oricum o dai, pare ( nu \u0219tiu dac\u0103 e a\u0219a, dar pare tot mai mult), c\u0103 \u00eemprumuturile studen\u021be\u0219ti pentru studii sunt o idee proast\u0103 .&hellip;<\/p>\n","protected":false},"author":2,"featured_media":14860,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6,3499,1594,1],"tags":[1335,6739,288,7031,7032],"class_list":["post-35249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","category-economie","category-uk","category-uncategorized","tag-datorii","tag-de-criza","tag-educatie","tag-imprumuturi-de-studii","tag-student-loans"],"views":352,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/04\/Free-education.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9ax","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35249"}],"version-history":[{"count":4,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35249\/revisions"}],"predecessor-version":[{"id":35355,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35249\/revisions\/35355"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/14860"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}