English: I thank the Member for his point. It's a really important question. He might have seen some of the remarks I made last week in particular about access to all kinds of education for young people from perhaps some of our most disadvantaged backgrounds. For the first time this year, and in each subsequent year, we will be able to provide - obviously, subject to the consent of the individual - for example, data through UCAS on the free school meals eligibility of individual learners to enable contextualised offers to be made. He's making a slightly different point about the costs of going to university. I agree with him; the measures that we see the UK Government taking are a great concern, as well as some of the changes they are mooting in relation to requiring different grade thresholds for GCSE, which I think are regressive and have no place in any policy that is based on widening access to university. As he may know, although the ability to fund student finance is devolved to Wales, some of the choices we make are constrained by our ability to be able to liaise with HMRC and the Student Loans Company, which are not, obviously, devolved. We continue to have in Wales the most progressive student finance support package of any part of the UK in terms of the mix between loans and grants, but also - which is not very often remarked upon - in Wales, as soon as you start to repay your debt, you immediately get a £1,500 discount on your repayment, which is the only part of the UK in which that happens. But, I take very seriously the point that he's made. Whatever we can do, we will do. Obviously, we are committed to our progressive system here in Wales. On the point of interest rates in particular, what I would say is that that doesn't affect the monthly outgoing, it's the length of the loan that that affects. I don't diminish for a second that it's a very important point, but in terms of the immediate affordability, it won't have that immediate increase on the monthly outgoing. But, it's an important point, as it does extend the cost of tuition overall.
Welsh: Diolch i'r Aelod am ei bwynt. Mae'n gwestiwn pwysig iawn. Efallai ei fod wedi gweld rhai o'r sylwadau a wneuthum yr wythnos diwethaf yn benodol am fynediad at bob math o addysg i bobl ifanc o'r cefndiroedd mwyaf difreintiedig. Am y tro cyntaf eleni, ac ym mhob blwyddyn ddilynol, byddwn yn gallu darparu data - yn amodol ar gydsyniad yr unigolyn wrth gwrs - drwy UCAS, er enghraifft, ar gymhwysedd dysgwyr unigol i gael prydau ysgol am ddim fel bod modd gwneud cynigion cyd-destunol. Mae'n gwneud pwynt ychydig yn wahanol am gostau mynd i'r brifysgol. Rwy'n cytuno; mae'r mesurau a welwn gan Lywodraeth y DU yn bryder mawr, yn ogystal â rhai o'r newidiadau y maent yn eu crybwyll mewn perthynas â gwneud trothwyon graddau gwahanol yn ofynnol ar gyfer TGAU, sydd, yn fy marn i, yn anflaengar ac nid oes unrhyw le iddynt mewn unrhyw bolisi sy'n seiliedig ar ehangu mynediad at addysg prifysgol. Fel y gŵyr efallai, er bod y gallu i ariannu cyllid myfyrwyr wedi'i ddatganoli i Gymru, mae rhai o'r dewisiadau a wnawn wedi'u cyfyngu gan ein gallu i gysylltu â Chyllid a Thollau Ei Mawrhydi a'r Cwmni Benthyciadau i Fyfyrwyr, nad ydynt wedi'u datganoli wrth gwrs. Ni yng Nghymru sydd â'r pecyn cymorth cyllid i fyfyrwyr mwyaf blaengar o hyd o gymharu ag unrhyw ran arall o'r DU o ran y cymysgedd rhwng benthyciadau a grantiau, ond hefyd - er na cheir sôn am hynny'n aml iawn - yng Nghymru, cyn gynted ag y byddwch yn dechrau ad-dalu eich dyled, fe gewch ostyngiad o £1,500 ar unwaith ar eich ad-daliad, sef yr unig ran o'r DU lle mae hynny'n digwydd. Ond rwy'n rhoi ystyriaeth ddifrifol i'r pwynt y mae wedi'i wneud. Fe wnawn beth bynnag a allwn. Yn amlwg, rydym wedi ymrwymo i'n system flaengar yma yng Nghymru. Ar fater cyfraddau llog yn benodol, yr hyn y byddwn yn ei ddweud yw nad yw hynny'n effeithio ar y gwariant misol, mae hynny'n effeithio ar hyd y benthyciad. Nid wyf yn gwadu am eiliad ei fod yn bwynt pwysig iawn, ond o ran fforddiadwyedd uniongyrchol, ni fydd yn achosi cynnydd uniongyrchol yn y gwariant misol. Ond mae'n bwynt pwysig, gan ei fod yn ymestyn cost dysgu yn gyffredinol.