Translate the text from English to Welsh.



 
The first of its kind in the UK, it will support students when they most need it, recognising that costs such as accommodation are the main barrier for those making the choice about whether to go to university.

 The new student finance package launched by the Welsh Government is the most generous in the UK and is designed to give more help towards living costs by providing the equivalent to the National Living Wage through a mix of non\-repayable grants and loans. This means students can focus on their studies rather than worry about making ends meet.

 With National Student Money Week approaching (12\-16 February), the Welsh Government has launched an awareness campaign to promote the benefits of university with the help of more financial support available. The campaign features “Money Monster”\- a personification of money. The character's sole purpose is to stop students getting to university, and if they do, to disrupt their student life adding unnecessary pressure.

 A key element of the new student finance package is that it offers a stronger package of support for students who want to study part\-time, ensuring that undergraduate full\-time and part\-time students have the same opportunities. Wales will be the first county in Europe to provide equivalent living costs support – in grants and loans – to full\-time and part\-time undergraduates, as well as post\-graduates.

 This has been done to encourage students from all backgrounds to enter higher education, whether they’re in full\-time work, raising a family or have caring responsibilities. Part\-time students will receive equivalent support on a pro\-rata basis.

 The latest National Income and Expenditure Survey\* shows that more than one third of Welsh\- domiciled students have overdrafts, nearly one fifth have commercial credit and one tenth are in arrears.

 The new student finance package for 2018/19 undergraduate entrants addresses these issues by easing financial barriers for students, meaning that full\-time and part\-time students have enough money to meet their day to day living costs while studying.

 Every eligible student can claim a minimum grant of £1,000 they will not have to pay back, regardless of their household income. This is part of an overall mix of grants and loans for living costs equivalent to receiving that National Living Wage, available to every eligible student while they study.

 Grants will be means\-tested to support those who need them most. Students from homes with lower household income will receive the highest grant – up to £10,124 in London and £8,100 in the rest of the UK. It is likely that around a third of full\-time students will be eligible for the full grant.  Students who receive a smaller grant can access a loan to top up the amount they receive equivalent to the National Living Wage level.

 The average household income for a dependent student in the current system is around £25,000\. Under the new system such a student will receive around £7,000 a year in a grant they won’t need to pay back.

 The new financial support package for Welsh students was designed following recommendations of a higher education funding review led by Professor Sir Ian Diamond. Living costs were found to be the main barrier for those making the choice about whether to go to university.

 The latest figures from Welsh Government show that students in Wales spent 46% of their student income on their course and 37% on living. Housing came in at 18%.

 Wales’s Education Secretary, Kirsty Williams said: 

 
> “Money is clearly a very important factor when deciding when to go to university, and for those who are already studying, money is found to be a major cause for stress. 
> 
>  “With this in mind, we have designed a new package of support to alleviate these concerns that both parents and students share. This will allow students to focus on their studies without having to worry about how they are going to afford their day to day living costs. 
> 
>  “The support that Welsh students, studying anywhere in the UK, can apply for is now equivalent to the National Living Wage.  In addition, most students will have no upfront costs to pay as a tuition fee loan can be taken out to cover their course. 
> 
>  “It is important to remember that student loans are only repayable when borrowers’ earn more than £25,000 per year. Repayments can start from as little as £30 a month. 
> 
>  “Living costs must not be a barrier to going to university. I want everyone who has the talent, potential and ambition to have that opportunity. Whether it’s studying full\-time or combining it with your career and studying part\-time, university should be an option for everyone, no matter what your background or income.”

 The TV adverts will appear on ITV Wales, S4C, Sky Regional, ITV Player and All4 from 5 February.

 For more information, visit gov.wales/studentmoney







Translation:


 
Dyma’r cyntaf o’i fath yn y DU, a bydd yn helpu myfyrwyr pan fyddan nhw angen hynny fwyaf, gan gydnabod mai costau fel costau llety yw’r prif rwystr i’r rhai sy’n ceisio penderfynu a allant fynd i brifysgol ai peidio.

 Y pecyn cyllid newydd i fyfyrwyr, a lansiwyd gan Lywodraeth Cymru, yw’r pecyn mwyaf hael yn y DU a’i fwriad yw rhoi mwy o gymorth tuag at dalu costau byw drwy ddarparu’r hyn sy’n gyfwerth â’r Cyflog Byw Cenedlaethol drwy gyfuniad o grantiau nad oes rhaid eu had\-dalu a benthyciadau. Mae hyn yn golygu bod myfyrwyr yn gallu canolbwyntio ar eu hastudiaethau yn lle poeni am gael dau ben llinyn ynghyd.

 Gydag Wythnos Genedlaethol Arian Myfyrwyr yn agosáu (12\-16 Chwefror), mae Llywodraeth Cymru wedi lansio ymgyrch ymwybyddiaeth i hyrwyddo manteision prifysgol yn sgil y ffaith fod mwy o gymorth ariannol ar gael. Mae cymeriad sy’n fwystfil arian yn cyflwyno’r ymgyrch. Unig bwrpas y cymeriad yw atal myfyrwyr rhag mynd i brifysgol, ac os ydynt yn mynd i brifysgol, amharu ar eu bywyd drwy ychwanegu pwysau diangen arnynt.

 Elfen allweddol o’r pecyn cyllid newydd i fyfyrwyr yw ei fod yn cynnig pecyn cryfach o gymorth i fyfyrwyr sydd am astudio’n rhan\-amser, gan sicrhau bod myfyrwyr israddedig llawn amser a rhan\-amser yn cael yr un cyfleoedd. Cymru fydd y wlad gyntaf yn Ewrop i ddarparu cymorth cyfwerth ar gyfer costau byw – mewn grantiau a benthyciadau – i fyfyrwyr israddedig llawn amser a rhan\-amser, yn ogystal ag ôl\-raddedigion.

 Nod hyn yw annog myfyrwyr o bob cefndir i fynd i addysg uwch, waeth a ydynt mewn gwaith llawn amser, yn magu teulu neu os oes ganddynt gyfrifoldebau gofalu. Bydd myfyrwyr rhan\-amser yn derbyn cymorth cyfwerth ar sail pro\-rata.

 Mae’r Arolwg Incwm a Gwariant Cenedlaethol\* diweddaraf yn dangos bod gan un o bob tri myfyriwr sy’n hanu o Gymru orddrafft, bod gan bron i un o bob pum gredyd masnachol a bod un o bob deg mewn dyled.

 Mae’r pecyn cyllid newydd i fyfyrwyr ar gyfer y rhai sy’n cychwyn fel israddedigion yn 2018/19 yn mynd i’r afael â’r materion hyn drwy ysgafnhau rhwystrau ariannol i fyfyrwyr, sy’n golygu bod gan fyfyrwyr llawn amser a rhan\-amser ddigon o arian i dalu eu costau byw bob dydd wrth astudio.

 Gall pob myfyriwr cymwys hawlio isafswm grant o £1,000 na fydd yn rhaid ei ad\-dalu, waeth beth fo incwm y cartref. Mae hyn yn rhan o gymysgedd cyffredinol o grantiau a benthyciadau ar gyfer costau byw sy’n gyfwerth â derbyn y Cyflog Byw Cenedlaethol, sydd ar gael i bob myfyriwr cymwys pan fydd yn astudio.

 Bydd grantiau yn dibynnu ar brawf modd er mwyn cefnogi’r rhai sydd eu hangen fwyaf. Y rhai o gartrefi â’r incwm isaf fydd yn derbyn y grant uchaf \- hyd at £10,124 yn Llundain a £8,100 yng ngweddill y DU. Mae’n debygol y bydd tua thraean o fyfyrwyr llawn amser yn gymwys i dderbyn y grant llawn. Gall myfyrwyr sy’n derbyn grant llai gael benthyciad i ychwanegu at y swm maent yn ei dderbyn, sy’n gyfwerth â lefel y Cyflog Byw Cenedlaethol.

 Mae incwm cartref cyfartalog myfyriwr dibynnol yn y system gyfredol tua £25,000\. O dan y system newydd bydd myfyriwr o’r fath yn derbyn tua £7,000 y flwyddyn mewn grant nad oes rhaid ei ad\-dalu.

 Cynlluniwyd y pecyn cymorth ariannol newydd i fyfyrwyr Cymru yn dilyn argymhellion adolygiad o gyllid addysg uwch dan arweiniad yr Athro Syr Ian Diamond. Canfu’r adolygiad mai costau byw oedd y prif rwystr wrth geisio gwneud penderfyniad am fynd i brifysgol ai peidio.

 Mae ffigurau diweddaraf Llywodraeth Cymru’n dangos bod myfyrwyr Cymru’n gwario 46% o’u hincwm myfyriwr ar eu cwrs a 37% ar fyw. 18% oedd yn cael ei wario ar lety.

 Meddai Ysgrifennydd Addysg Cymru, Kirsty Williams: 

 
> “Mae’n amlwg bod arian yn ffactor pwysig iawn wrth benderfynu pryd i fynd i brifysgol, ac mae arian yn un o’r prif faterion sy’n achosi straen ymysg y rhai sy’n astudio’n barod. 
> 
>  “Gan ystyried hyn, rydym wedi creu pecyn newydd o gymorth i leddfu’r pryderon hyn sydd gan rieni a myfyrwyr. Bydd hyn yn galluogi myfyrwyr i ganolbwyntio ar eu hastudiaethau heb orfod poeni am sut maen nhw’n mynd i fforddio eu costau byw bob dydd. 
> 
>  “Mae’r cymorth mae myfyrwyr Cymru, sy’n astudio’n unrhyw le yn y DU, yn gallu gwneud cais amdano nawr yn gyfwerth â’r Cyflog Byw Cenedlaethol. Yn ogystal, ni fydd gan y rhan fwyaf o fyfyrwyr gostau i’w talu ymlaen llaw gan fod modd tynnu benthyciad ffi dysgu o’r grant neu fenthyciad i dalu am eu cwrs. 
> 
>  “Mae’n bwysig cofio mai dim ond pan fydd benthycwyr yn ennill dros £25,000 y flwyddyn mae angen ad\-dalu benthyciad myfyriwr. Gall ad\-daliadau ddechrau ar gyn lleied â £30 y mis. 
> 
>  “Ni ddylai costau byw fod yn rhwystr i fynd i brifysgol. Rwyf am i bawb sydd â’r ddawn, y potensial a’r uchelgais i gael y cyfle hwnnw. Boed yn astudio’n llawn amser neu’n cyfuno hynny gyda’ch gyrfa ac astudio’n rhan\-amser, dylai prifysgol fod yn opsiwn i bawb, waeth beth yw eich cefndir neu’ch incwm.”

 Bydd yr hysbysebion teledu’n ymddangos ar ITV Wales, S4C, Sky Regional, ITV Player ac All4 o 5 Chwefror ymlaen.

 Am ragor o wybodaeth, ewch i llyw.cymru/arianmyfyrwyr