Translate the text from Welsh to English.



 
Mae’r cymorth sydd ar gael i’r rhai sy’n dechrau cwrs Meistr ôl\-raddedig wedi cynyddu o £13,000 yn 2018/19, gan ei wneud yn un o’r pecynnau cyllid myfyrwyr mwyaf hael yn y DU.


Mae’r pecyn newydd yn cael ei lansio drwy ymgyrch ymwybyddiaeth i hyrwyddo’r manteision o fynd i’r brifysgol gyda chymorth mwy o gefnogaeth ariannol ar gael.


Mae’r ymgyrch yn cynnwys Anghenfil Arian – sef arian wedi’i bersonoli – a’i unig nod yw atal myfyrwyr rhag mynd i’r brifysgol, ac os ydynt, mae e yno i aflonyddu ar fywydau myfyrwyr gan roi pwysau diangen arnyn nhw. Mae’r ymgyrch Anghenfil Arian yn cynnwys hysbysebion teledu, radio, awyr agored a digidol, ynghyd ag elfennau cysylltiadau cyhoeddus a’r cyfryngau cymdeithasol.


Mae’r cyllid yn gymysgedd o fenthyciadau a grantiau ac yn gymwys i fyfyrwyr llawn amser neu ran\-amser o Gymru sy’n astudio ar gyrsiau yn unrhyw le yn y DU.


Bydd pob myfyriwr cymwys yn derbyn grant cyffredinol nad oes angen ei ad\-dalu o £1,000 ynghyd â grant prawf modd o hyd at £5,885 ar gyfer myfyrwyr gydag incwm aelwyd o hyd at £18,370\. Bydd benthyciad ar gael hefyd, gan olygu bod cymorth o £17,000 ar gael i gyd.


Bydd gan fyfyrwyr rhan\-amser hawl i’r cymorth pro\-rata cyfwerth. Er enghraifft, mae cymorth o £17,000 ar gael ar gyfer cwrs sy’n para blwyddyn, £8,500 bob blwyddyn am gyrsiau dwy flynedd a £4,250 y flwyddyn ar gyfer cyrsiau pedair blynedd.


Derbynnir taliadau mewn tri rhandaliad ar ddechrau pob tymor.  

Bydd ad\-daliadau ond yn cael eu gwneud ar ôl i’r myfyriwr orffen neu adael eu cwrs ac ennill dros £21,000\.


Mae cymorth ariannol ychwanegol ar gael i fyfyrwyr gydag anabledd neu anhawster dysgu neu’r rhai â chyflwr iechyd hirdymor.


Daw’r pecyn cymorth fel rhan o ymateb Llywodraeth Cymru i adolygiad o gyllido addysg uwch dan arweiniad yr Athro Syr Ian Diamond. Yn 2018, cyflwynwyd pecyn ariannol newydd yn raddol ar gyfer israddedigion. O 2019, bydd gwell pecyn ar gael ar gyfer myfyrwyr gradd, i sicrhau pecyn cymorth teg ar gyfer myfyrwyr ar lefel israddedig ac ôl\-raddedig.


Yn ôl yr Asiantaeth Ystadegau Addysg Uwch, aeth nifer y myfyrwyr a oedd yn astudio ar gyrsiau gradd (https://www.hesa.ac.uk/news/17\-01\-2019/sb252\-higher\-education\-student\-statistics/numbers) yng Nghymru i fyny o 24,365 yn 2016/17 i 25,205 yn 2017/18\. Roedd tua dau o bob pum myfyriwr ôl\-raddedig yn astudio’n rhan\-amser, o gymharu ag un o bob pum myfyriwr israddedig.


Meddai Kirsty Williams, y Gweinidog Addysg:



> “Mae sawl rheswm dros astudio gradd Meistr – newid gyrfa, cynyddu eich potensial o ran cyflog neu awch i ddysgu.
> 
> 
> “Mae gan gymwysterau ôl\-raddedig hefyd rôl bwysig yn ein heconomi, gan gyflenwi ymchwilwyr dawnus sy’n datblygu’n arbenigwyr blaenllaw yn eu meysydd ac sy’n rhoi’r sbardun sydd ei angen i greu swyddi ar lefel uwch.
> 
> 
> “Rydym ni hefyd yn gwybod mai arian yn aml yw’r rhwystr mwyaf wrth benderfynu ai mynd i’r brifysgol ai peidio. Bydd ein pecyn ariannol newydd yn ei gwneud yn haws i bawb, beth bynnag fo’u cefndir neu incwm, i ddilyn eu dyheadau ac astudio ar lefel israddedig.”


I ddechrau, doedd Megan Wiltshire, 21 oed o Benarth, ddim yn meddwl y byddai’n gallu fforddio ei gradd Meistr, ond ar ôl gweld y cwrs delfrydol, penderfynodd asesu’r opsiynau ariannol a oedd ar gael iddi hi.


Dywedodd Megan:



> “Roeddwn i ym mlwyddyn olaf fy nghwrs israddedig mewn Cyfryngau a Chyfathrebu ym Mhrifysgol Caerdydd. Roeddwn i’n bwriadu graddio a chael swydd. Doeddwn i heb ystyried gwneud gradd Meistr oherwydd doeddwn i ddim yn meddwl y buaswn i’n gallu fforddio hynny a’i fod y tu hwnt i fy nghyrraedd.
> 
> 
> “Gwelais fod benthyciad ôl\-radd gwerth £13,000 ar gael i dalu am ffioedd y cwrs a chostau byw. Rhwng hwnnw a fy incwm o weithio’n rhan amser, yn ogystal â chyllidebu gofalus, penderfynais y byddwn yn gallu fforddio ymgymryd â'r radd Meistr.”


Dechreuodd Megan ei gradd Meistr ym mis Medi 2018 a bydd yn graddio yn nes ymlaen eleni. Mae’n bwriadu dilyn gyrfa mewn cyfryngau cymdeithasol a marchnata digidol.


Dywedodd Megan: 



> “Roedd y benthyciad i fyfyrwyr ôl\-raddedig yn golygu fy mod i’n gallu fforddio gwneud fy ngradd Meistr. Mae rhagor o gymorth ariannol ar gael i fyfyrwyr newydd nawr, gan gynnwys grant, sy’n golygu ei fod yn well byth.
> 
> 
> “Mae cost astudiaethau ôl\-radd yn gallu ymddangos yn frawychus i ddechrau ond mae’n werth chweil yn y tymor hir. Dim ond pan fyddwch chi’n ennill dros £21,000 fydd yn rhaid i chi ei dalu’n ôl, a byddwch yn ei dalu mewn rhandaliadau. Rydw i wedi cael cymaint o fudd o fy astudiaethau, ac rydw i wedi dysgu cyllidebu.
> 
> 
> “Un peth fyddwn i’n ei ddweud, oherwydd y gost, yw y dylech chi wneud yn siŵr eich bod yn ymchwilio i’ch cwrs Meistr i wneud yn siŵr mai hwnnw yw’r un i chi. Os ydych chi’n teimlo eich bod yn buddsoddi ynoch chi eich hun, mae’n werth ei wneud heb os.”


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







Translation:


 
The support available to those starting a postgraduate Master’s course has gone up from £13,000 in 2018/19, making it the most generous postgraduate student finance package in the UK.


The new package is being launched through an awareness campaign to promote the benefits of going to university with the help of more financial support available. The campaign features a Money Monster \- a personification of money. The character's sole purpose is to stop students getting to university, and if they do, he is there to disrupt their student life adding unnecessary pressure. The Money Monster campaign features TV, radio, outdoor and digital advertising, as well as PR and social media elements.


The finance is a mixture of loans and grants and applies to full\-time or part\-time Welsh students on courses anywhere in the UK.


All eligible students will receive a non\-repayable universal grant of £1,000, plus a means\-tested grant of up to £5,885 for students with a household income of up to £18,370\. A loan will also be available, taking the total support up to £17,000\.   

Part\-time students will be entitled to the equivalent support pro\-rata. For example, support of £17,000 is available for courses lasting one year, £8,500 each year for two year courses and £4,250 a year for four year courses. Payments are received in three instalments at the start of each term.


Repayments are only made once the student has finished or left their course and is earning over £21,000\.


Extra financial support is also available for students with a disability or learning difficulty or those with a long\-term health condition.


The support package is the Welsh Government’s response to a higher education funding review led by Professor Sir Ian Diamond. In 2018, a new financial package was rolled out for undergraduates. From 2019 an enhanced package is available for postgraduates, to ensure a fair and equitable package of support for students at both undergraduate and postgraduate level.


According to the Higher Education Statistics Agency, the number of students studying postgraduate courses (https://www.hesa.ac.uk/news/17\-01\-2019/sb252\-higher\-education\-student\-statistics/numbers) in Wales went up from 24,365 in 2016/17 to 25,205 in 2017/18\. Around two in five postgraduates studied part\-time, compared to one in five undergraduates.


Minister for Education, Kirsty Williams, said:



> “There are many reasons to study a Master’s degree \- to change career, increase your earning potential or simply because you have a passion for learning.
> 
> 
> “Postgraduate qualifications also play an important role in our economy, supplying talented researchers who become world\-leading experts in their field and provide the innovation needed to create high\-end jobs.
> 
> 
> “We also know money is often the biggest barrier when choosing whether to go to university. Our new financial package will make it easier for everyone, no matter what their background or income, to follow their aspirations and study at postgraduate level.”


### Case study


Megan Wiltshire, 21, from Penarth, Vale of Glamorgan, initially thought she couldn’t afford the cost of a Master’s degree but after spotting the perfect course decided to assess the financial options available to her.


Megan says:



> “I was in the final year of my undergraduate degree in Media and Communications at Cardiff University. I was planning to graduate and get a job. I hadn’t considered doing a Master’s degree because I didn’t think I’d be able to afford it and so it was out of my reach.
> 
> 
> “I found out there was a postgraduate loan of £13,000 to cover course fees and living costs. With that, plus my income from working part\-time, plus careful budgeting, I decided I could afford to do the Master’s degree.”
> 
> 
> Megan started her Master’s degree in September 2018 and will graduate later this year. She plans to pursue a career in social media and digital marketing.    
> 
> Megan says: “The postgraduate student loan meant I could afford to do my Master’s degree. The fact that there’s now increased financial help for new students, including a grant, is even better.
> 
> 
> “The cost of postgraduate study seems daunting at first but it’s worth it in the long run. You only pay it back when you’re earning above £21,000 and you pay it back in instalments. I’ve benefitted so much from my studies and I’ve learned to budget.
> 
> 
> “I would say make sure you research your Master’s course to make sure it’s the right one for you because of the cost. If you feel like it’s an investment in yourself then it’s 100 per cent worth it.”


For more information, visit www.gov.wales/studentmoney