Mae’r gyfradd chwyddiant, sy’n pennu’r llog a godir ar rai o fenthyciadau myfyrwyr wedi codi’n sylweddol. Heb gap mis Medi, byddai’r cyfraddau llog ar y benthyciadau hyn wedi codi i hyd at 12%. Rhaid i Lywodraeth Cymru sicrhau nad yw’r cyfraddau yn codi’n uwch na chyfradd y farchnad, a gweithredodd deirgwaith yn ystod 2021 i osod cap ar gyfradd benthyciadau a diogelu myfyrwyr.
The rate of inflation, which determines the interest charged on certain student loans, has risen significantly. Interest rates on these loans would have risen to up to 12% without the September cap. The Welsh Government must ensure that rates do not exceed the prevailing market rate and took action three times in 2021 to cap the rate on loans and protect students.